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.

Type your question here (Required)

Explain your situation

Choose a nickname (Required)

Email (to be notified of an answer) (Required)

Filter Answered Questions

Showing 121–140 of 736 Answered Questions

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 ...

Q: Would a diagnosed condition of psoriatic arthritis qualify me for a LTD?

Answered on December 20th 2023 by Attorney Rachel Alters

A: The diagnosis alone doesn’t qualify you. Your doctors would need to document that your condition was so seve...

Q: Unum stopped my COLA benefits at age 65

Answered on December 19th 2023 by Attorney Rachel Alters

A: Unum policies usually only pay COLA increases until you turn 65 even if the policy pays longer.

Q: Survivor's benefits

Answered on December 15th 2023 by Attorney Gregory Dell

A: Cindy: A few things come to mind. Your disability policy will have a section called deductible sources of inco...

Q: FMLA and my LTD claim

Answered on December 6th 2023 by Attorney Gregory Dell

A: Unum doesn’t consider FMLA as they only care if you meet the terms of your disability policy with Unum.

Q: Is the recipient responsible for overpayment when they had nothing to do with the reporting?

Answered on November 30th 2023 by Attorney Gregory Dell

A: Jeanne:The beneficiary, which would be you, is responsible for a legitimate overpayment regardless of who ...

Q: How far behind in payments does Metlife have to be to take legal action?

Answered on November 21st 2023 by Attorney Rachel Alters

A: Make sure you put all of your requests in writing so there is a record should you end up in court. It’s best...

Q: Change in Occupation

Answered on November 22nd 2023 by Attorney Rachel Alters

A: The date is usually the date in which your LTD payments began.

Q: Can a disability company record my phone calls?

Answered on November 23rd 2023 by Attorney Rachel Alters

A: Kansas bars the recording, interception, use or disclosure of any private conversation without the consent of ...

Q: Can the LTD insurance company refuse to provide the claimant a copy of the IME report? If so what course of action can the claimant take to get a copy for their medical records?

Answered on November 23rd 2023 by Attorney Rachel Alters

A: Yes, they can refuse. A copy will only be provided when your claim is denied. Have your treating doctor reques...

Q: My employer terminated me 11/14/23 while my LTD claim is being appealed by the Hartford. Does my appeals process get terminated as well?

Answered on November 20th 2023 by Attorney Gregory Dell

A: Mark:Your termination of employment in the facts you describe has no impact on your Hartford claim. Be ver...

Q: Orthopedic surgeon refuses to complete physicians statement form for my long term disability.

Answered on November 10th 2023 by Attorney Jay Symonds

A: Diana: This is a common problem with treatment providers. There are some steps you can take, including having ...

Q: Do I have to sign agreement to pay back difference in LTD payment and SSDI payment?

Answered on November 10th 2023 by Attorney Gregory Dell

A: You do not need to sign the agreement to pay back SSDI. Disability companies try to make you do this and you a...

Q: Can I sue the Hartford for something other than claim denial or outside of ERISA?

Answered on November 8th 2023 by Attorney Gregory Dell

A: If you have an employer provided policy then your only remedy is to seek denied benefits in a lawsuit, attorne...

Q: Are VA disability payments considered “other income” by Reliance Standard?

Answered on October 25th 2023 by Attorney Cesar Gavidia

A: The disability policy may allow Reliance Standard to deduct and offset your monthly benefit payment by your VA...

Q: Does Metlife pay Disability payments ahead? Example: December payment is for January.

Answered on October 25th 2023 by Attorney Cesar Gavidia

A: Peg, most disability insurers pay monthly disability benefits in arrears, in other words, payments are made fo...

Q: Does UNUM periodically review Group Long Term Disability Insurance claims/payments? For example, do they verify medical eligibility every five or ten years?

Answered on October 24th 2023 by Attorney Gregory Dell

A: Great question. The answer varies on the type of claim you have. On average Unum reviews medical eligibility e...

Q: Unum is cross plan offsetting

Answered on October 15th 2023 by Attorney Alex Palamara

A: Tom, I am sorry to hear of this situation. Please contact us at 954-620-8300 so that we can learn more about t...

Q: Is my wife being abused?

Answered on October 16th 2023 by Attorney Alex Palamara

A: Dave, with regards to her doctor, I do not believe she has any type of complaint to file. With regards to the ...

Q: Unum reduced my benefits

Answered on October 17th 2023 by Attorney Alex Palamara

A: I am sorry to hear how Unum is treating your claim. Typically, if you provide proof of your claim for SSDI ben...

Request a Free Consultation

Our Lawyers Respond Same Day

Your full name (required)

Your email (required)

Your phone number

Occupation prior to disability?

Monthly disability amount?

Age on date of disability?

What are your disabling conditions and how can we help you?

Are you receiving any other benefits such as state disability, social security, worker's compensation?

By submitting this form you agree to receive SMS from Dell Disability Lawyers. Carrier and Data rates may apply. Message frequency may vary. Reply STOP at any time to end messaging or Reply HELP for more information.

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!

View All Reviews (503)