• Assurity Disability Benefit Overview and Legal Tips To Get PaidAssurity Disability Benefit Overview and Legal Tips To Get Paid

Assurity Disability Benefit Overview and Legal Tips To Get Paid

The disability insurance attorneys at Dell & Schaefer often work with long term disability insurance claimants preparing (or in the process of litigating) a disability claim with Assurity. Unlike many of the biggest long term disability insurance carriers that primarily offer ERISA or group disability policies through employers, Assurity is a little different – by offering individual disability policies at competitive prices, it is able to tap into a market that often doesn’t have the same access to disability insurance policies. Learn how our disability attorneys help you navigate disability insurance benefits with Assurity.

Individual Disability Policies Have Significant Advantages Over an ERISA Group Disability Policy

Most Assurity long term disability insurance policies will provide coverage for a two-year period. This is a longer coverage period than offered by many short term disability carriers, but on the short side for a long term disability policy. This essentially makes Assurity a carrier of “short long term” disability insurance policies. In offering these products, Assurity targets a market that many insurance companies don’t – individual policies at a competitive price.

There are a number of different advantages when it comes to submitting disability claims under an individual disability insurance policy versus a group disability insurance policy. The rules of litigation are different, and the stakes are far higher for the disability insurance carrier when a case goes to court, which makes these companies more willing to work with claimants to seek an agreeable resolution.

Individual disability policies are generally litigated in state courts, while ERISA policies are litigated in federal court. To recover benefits under an individual disability policy, the claimant will need to show only that they are disabled according to the terms of the policy. On the other hand, recovering benefits under an ERISA policy requires that the claimant show they’re disabled and that the insurance carrier acted in an “arbitrary and capricious” way by denying their first claim for benefits. This is a very steep standard that’s often tough for disability claimants to meet and doesn’t provide the insurance carrier with much of an incentive to settle a disability claim.

Strong Medical Documentation is Essential for Obtaining Approval of Assurity Benefits

Although Assurity doesn’t necessarily want to litigate a long term disability claim in court, that doesn’t mean it simply rubber stamps approvals on the disability claims it receives. Disability claimants must have medical records that support their argument that they’re entitled to long term disability benefits. If you wait to seek medical treatment for a particular issue until after you stop working (or even after you submit the disability complaint), your application may be rejected as providing insufficient proof of disability.

On the other hand, if you get a head start by working with your doctor(s) and an experienced long term disability attorney)before you ever submit your first application for benefits, you’ll be in a far better position to establish your disability. Because long term disability policies don’t pay out for an open-ended period of time, the sooner you have a comprehensive application (and the sooner you submit it), the more quickly you’ll begin receiving benefits under your policy.

At Dell & Schaefer, we often start working with Assurity long term disability insurance claimants before a claim is ever filed. By gathering documents and making appointments with specialists before Assurity is even aware there’s a claim pending, claimants can ensure the disability claim process is made as streamlined and efficient as possible. Give us a call today to set up a FREE consultation to discuss your case.

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FAQ

Do you help Assurity Life claimants nationwide?

We represent Assurity Life clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Assurity Life disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Assurity Life. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Assurity Life.

How do you help Assurity Life claimants?

Our lawyers help individuals that have either purchased a Assurity Life long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Assurity Life:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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   *****

Craig (California)

Cesar and Michal helped me through my case against Prudential. That only touches the surface. I suffered a bad injury which made me a challenge as I often didn’t recall what was said and to whom.

Cesar took the leap of faith to help me but he didn’t treat me like a client but more as if I was part of your family. I don’t know how you were able to get transform the team to have such a great attitude but by far I must say I am treated well from the moment I called, retained your firm it helped me through the minute I faced IME’s. Cesar demonstrates empathy and cares for his clients. I know that I made the right decision to select your firm and am fortunate that firms such as yours are around to help go up against big companies.

I truly am happy to send you a note to advise of my complete satisfaction.

The first and most important matter you have at hand is to take care of your health and let your retained lawyers handle the information needed to not only be approved for long term disability but also to make sure that your claim is managed for the duration of your disability. The disability is a matter that may last a lifetime.

A thorough online yelp review was held prior to conversations with Cesar Gavidia Esq. and Michal Mizrahi from the firm of Dell & Schaefer. I decided to retain them to handle my disability claim. The law-firm has an elaborate web page that demonstrates their ability to go up against all the largest insurance with a stellar track record.

The ERISA law is complex and if you decide to battle the insurance company without representation the odds will be stacked against you. An insurance company has one goal alone and that is to generate profits. The representation of Cesar Gavidia Esq. and Michal Mizrahi were responsible for the successful appeal and approval of my case.

An insurance company typically will deny or delay the claim as the penalty for denial or delay is non-existent. In my case, I was prepared with retained council Cesar Gavidia Esq and Michal Mizrahi who prepared and submitted the ERISA appeal. The document was complete and included information to demonstrate that I was disabled and overturned a previous denial from Prudential.

I’m not only happy to say that I picked the right firm but that I have developed a trusting relationship with combination of Cesar Gavidia Esq. and Michal Mizrahi from the firm of Dell & Schaefer.

Cesar Gavidia Esq. or Michal Mizrahi will pick up calls and take the time to explain what is being done by the insurance company or return the call in a timely basis if they were busy. This was after I had signed to be represented.

I never met Cesar Gavidia Esq. or Michal Mizrahi in person but I consider them my friends versus just attorneys that have been hired.

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