Attorney Cesar Gavidia and Appeal Team at Dell & Schaefer Win Appeal Battle Against Unum to Reinstate Long-Term Disability Insurance Benefits to Disabled Software Engineer

Prior to disability Sam had a rewarding career as a software engineer for a large international corporation. Sam enjoyed solving complex problems for his employer through a language that few know as well as him, software engineering. Despite the love of for his job, Sam could not help but be affected by his battles with schizophrenia. For a long time it had been a constant struggle, but was more or less controlled enough through treatment and medications for Sam to go to school and start a career.

In 2015, Sam suffered through one of his worst schizophrenia periods to date. Sam reinitiated intense psychiatric care but his symptoms persisted and with the full support of his psychiatrist and treating physicians he filed his long-term disability claim through his employer sponsored long-term disability plan with Unum Life Insurance Company. After reviewing his records, Unum approved his claim noting that his doctor would reevaluate his ability to return to work in a few months and would continue to adjust medications.

Unum’s physicians would regularly contact Sam’s treating doctor to monitor his progress. Unum noted that his doctor continued to support that he was unable to return to full-time work, however, that he had been able to take a trip to another city and participate in online chess tournaments. Unum’s physician psychologist reviewed the claim file and determined that the medical records did not support a psychiatric impairment that would result in a loss of functional capability or impose any clinically warranted restrictions. They also stated that the medical records did not reveal substantial or enduring changes of a chronic nature and instead document a choice on Sam’s part to take three months off work.

Sam sought the assistance of Dell & Schaefer and retained Attorney Cesar Gavidia and his team to appeal Unum’s termination of benefits. Attorney Gavidia and his team attacked the impetuous paper review of Unum’s psychologist. Along with strongly supportive medical evidence, the team submitted compelling testimonial evidence from Sam’s brother, who lived with and cared for Sam during these schizophrenic periods.

Once received, Unum’s appeal team consisting of personnel who were not involved with the original decision to terminate the claim, reviewed the appeal and the over 600 pages of evidence that accompanied it, and overturned its prior termination decision. Attorney Gavidia and his team continuously monitor Sam’s claim and Unum’s activity. Sam continues to treat with his team of mental health clinicians and hopes to one day return to the career he loved.

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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, 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.


Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

Michael C. (Virginia)

Greg Dell and his assistant Anneli have been extremely responsive and helpful, not only our initial consultations, but in follow-ups 1 and 2 years later with the insurance company to ensure that they comply with their agreements (which they did), as well as a separate and only slightly-related inquiry about our health insurance. I always hear back from them very quickly, which is rare and greatly appreciated.

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