• Disability Company Medical File Reviews By Hired Gun Doctors Are A Sham

Are All Medical File Reviews By Disability Insurance Companies a Sham?

Not every medical file review by a disability insurance company is sham, because there are rare occasions when the disability company actually hires a legitimate doctor to review your disability claim.

In this video, disability insurance lawyers Alex Palamara and Gregory Dell discuss medical file reviews conducted by insurance companies and their experience in challenging these medical reviews. If you have any questions about your STD or LTD claim, please contact any of our disability insurance attorneys for a free consultation.

Comments (5)

  • To Attorney Stephen Jessup re: Henry’s question above: I believe he has gone from STD to LTD and that is why they changed companies.

    Marie Jan 30, 2018  #5

  • Nikki, if your claim has been closed/denied MetLife will have to send a formal denial letter detailing the reasons why. It may be in your best interest to contact them to get clarification. If you have received a denial letter please feel free to contact our office to discuss how we may be able to assist you.

    Stephen Jessup May 23, 2017  #4

  • I have been awarded a lump-sum Workers Compensation Settlement when I separated from my company after 22yrs.. I am receiving LTD from MetLife. They say I must give the mseveral thousand dollars from this as an offset. I am being phoned by a recovery company. I spoke to the company once without committing either way to paying or not paying them the money. MetLife sent a letter which states “benefits are reduced for periodic benefits for loss of time due to a work-related injury or illness or by reason of any Worker’s Compensation, occupational disease law or other similar law. It was my prior impression this referred to when I was receiving (as I had during my first absence due to this same injury prior to separation from the company before returning to work for 1 1/2yrs) the monthly disability checks from my companies wc insurance company. MetLife said they will deduct $200 per month from my check of $1658.30. They are also doing another evaluation only 7 months after doing a 2nd level denial appeal which I won. This after i received a phone msg from my adjuster saying it would b about a year. Interesting timing. The paperwork was a day late. it is postmarked 4 days before the cutoff date. I wasn’t very concerned about the close timing because MetLife never has before. So they closed my case. It said they do not have to reopen it. They received the info. Now someone has phoned me. Am I required to have a verbal discussion when I have provided documentation from 4 Doctor’s? Thank You

    Nikki May 22, 2017  #3

  • Henry, if you have been on disability for a period of time your claim should not change to another insurance carrier, as the company that was responsible for paying benefits would remain responsible regardless if your employer changed carriers.

    Stephen Jessup May 2, 2017  #2

  • To whom this may concern I am on disability and have been for sometime now. However my employer have switch my calm over to Liberty insurance. My understanding is that once you have been on disability for sometime they have the power to do this. The insurance company wants me to give them authorization to pull my medical records which I have no problem but I have an understanding that if I give them authorization they can pull more than my medical records is this true. The doctors that I am seeing say that I am in need of surgery to my lower back.

    Henry W. Apr 30, 2017  #1

Leave a comment or ask us a question

Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****


We all make, everyone of us, life altering decisions everyday that could and often do, save or change the course of our lives. Something as simple as driving to the market one rainy afternoon for groceries with the children carefully strapped and tucked into their car seats… safety belts secured around each one them and returning them home safely… intact – also very important… choosing the right early education program for one of those youngsters who is struggling to “keep up” in school – or maybe it’s a quality of life choice so very important to you personally like… choosing the surgeon who will repair a delicate to treat and painful spinal disc ailment that has caused you years of terrible suffering.

We regularly make decisions that affect our personal and family lives within the context of the times we are living in when we make them. We place our faith and trust in the professionals we select to advise us on these and other very important matters. These “coaches”, as I will continue to refer to them, are Physicians, Lawyers, CPA’s, Financial Investment Consultants, RealEstate Professionals, Insurance Experts, etcetera. These carefully chosen advisers keep us abreast of new opportunities for healing, financial growth and security while at the same time appraising us of the risks and dangers that occur minute to minute both over and under the world’s constantly changing landscape. When the unpredicted problem arises and a major problem will happen at least once in all of our lives, we might need to turn to the “law” – the law lives and breathes and changes by virtue of human, political and technical progress. Those “Coaches”, I mentioned earlier in this memo, also rely on legal experts to help them and their young as well as you and I who they might advise having been selected by one of “us” as a “coach”. We all in the final analysis, must navigate what is often a cloudy, murky, unsure world as part of survival in and of itself.

My legal “coach”… Cesar Gavidia, who has been helping me find my way in this unsure world, is a lawyer I’m very proud to know. After taking my troubling call about a serious insurance matter, Cesar immediately set about collecting the insurance policy information and after carefully studying the insurance policy language… language with which he was and is very familiar, gave me a “gift” that I cannot repay in kind… the “gift” was faith in the law and more importantly… faith in Cesar Gavidia. If you believe as I do, that a legal “coach” is needed to help flesh out your team of professional advisors… then consider talking to Cesar.

We live in a cynical world and we are all afraid of the “unknown”. Step into the knowledgable, kind, generous, professional world of “law” as practiced by Cesar… he really, really, really saved me. And although there are no absolutes… my insurance problems may need more care… a constant I can rely on and believe in is Cesar Gavidia. He will protect me by judiciously and honestly applying the “law”. As hard as it is to believe in anything we hear or read today… please believe me… because my still unfolding story just happens to be the unvarnished truth… and Cesar will get me through these insurance issues the right way, by employing the “truth” in the law… I just know he will… i just somehow know he will. Dan

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us