Ask Our Lawyers Your Disability Insurance Questions

Name: Dell Disability Lawyers
Brand: Dell Disability Lawyers
Rating: 5 (746 reviews)

On a daily basis our lawyers answer your questions. Please use the filter below as we may have already answered your question. For an immediate answer please contact us.

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Showing 101–120 of 735 Answered Questions

Q: Short term vs long term

Answered on February 14th 2024 by Attorney Jay Symonds

A: Nightwatcher, you and your treatment providers will be required to submit additional records and information a...

Q: Does the insurance company have to use your income from the time of a promotion/raise until the date of injury, or can they go back 9 mos. if that’s in the policy?

Answered on February 14th 2024 by Attorney Jay Symonds

A: The Group Policy/Certificate will define how your pre-disability income is calculated for purposes of your dis...

Q: My daughter died in 2019

Answered on February 12th 2024 by Attorney Gregory Dell

A: If your daughter was disabled prior to being terminated then she should have coverage.

Q: After 3 months my LTD approval, insurance company stopped LTD payment during review of continuity and also have argument with insurance company regarding offset of my son's disabled adult child benefits

Answered on February 5th 2024 by Attorney Gregory Dell

A: Yifan:Thank you for contacting us about a Hartford LTD denial. It sounds like there should not be a setoff ...

Q: Can I do anything to get my LTD ?

Answered on February 3rd 2024 by Attorney Gregory Dell

A: Jacqueline:You should call us to discuss your Hartford disability claim. It usually takes 60-90 days for Har...

Q: If I had a subsequent, related injury two weeks after returning to work can the insurance company use the date of the second, injury which lowered my pre-disability earnings?

Answered on February 4th 2024 by Attorney Gregory Dell

A: Very interesting fact pattern. Your second injury if it’s the same knee should relate back to the first and ...

Q: My LTD company says I owe them money now

Answered on January 30th 2024 by Attorney Gregory Dell

A: A nine year error seems outrageous. I would appeal the United Healthcare disability offset. There is something...

Q: Lifetime disability policy with Hartford

Answered on January 29th 2024 by Attorney Gregory Dell

A: Deb,Thank you for your question about a Hartford lifetime disability policy. In order to support your pos...

Q: Can I get disability for severe Gastroparesis?

Answered on January 30th 2024 by Attorney Gregory Dell

A: San,I am sorry to hear about how horrible you have been suffering. If your employer offers short or long ...

Q: Can the Hartford reduce my long term disability payment due to a rental income?

Answered on January 25th 2024 by Attorney Cesar Gavidia

A: Usually non-work that is not described a deductible source of income the disability policy would not reduce th...

Q: Should I accept the buyout from Lincoln Financial? I have 7 days to decide.

Answered on January 16th 2024 by Attorney Alex Palamara

A: Kendra, it was a pleasure speaking with you today. Thank you for reaching out for the free consultation. We ar...

Q: My father has been in STD Cigna and LTD with New York Life since Jan 2021, diagnosed Pulmonary Fibrosis due to Covid-19. Can insurance and ex job make him return to work?

Answered on January 16th 2024 by Attorney Alex Palamara

A: Walt, while no one can force your father back to work, NYL can certainly deny benefits if they believe there i...

Q: Do we have any legal action against Unum?

Answered on January 15th 2024 by Attorney Alex Palamara

A: I am sorry to hear of Unum’s actions here and how they have treated your claim, especially in their long del...

Q: Is it normal for “UNUM” to ask for a police report?

Answered on January 15th 2024 by Attorney Alex Palamara

A: Derrick, a simple answer to your question is Yes, if there was some sort of MVA accident which caused or contr...

Q: My mother has a John Hancock Long Term Care policy. She is in an assisted living facility in the memory care unit. Her claim has been denied.

Answered on January 9th 2024 by Attorney Stephen Jessup

A: We have handled cases against John Hancock as it relates to their Long Term Care policies. Please contact our ...

Q: When can I give notice to leave the company while on STD?

Answered on January 9th 2024 by Attorney Stephen Jessup

A: To avoid any potential overpayment of benefits you would want to advise the administrator of your STD claim as...

Q: Is there a specific video to help me prepare for a Hartford doctor appointment (IME)?

Answered on January 3rd 2024 by Attorney Gregory Dell

A: We have prepared a few videos on independent medical exams requested by disability insurance companies. Whethe...

Q: Can I sue Metlife for non payment of approved claim?

Answered on December 28th 2023 by Attorney Stephen Jessup

A: Unfortunately, the answer is "not liklely." I would assume your MetLife policy is an employer provided policy ...

Q: What is the best LTD policy to get?

Answered on December 28th 2023 by Attorney Stephen Jessup

A: We would recommend you speak with agents for Northwestern Mutual, Guardian, Mass Mutual and Principal or Stand...

Q: How does the disability provider look at a veteran that has multiple disabling conditions?

Answered on December 20th 2023 by Attorney Gregory Dell

A: The disability insurance company will look at all of your medical records and consider all medical conditions ...

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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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