Attorneys Dell & Schaefer win benefits for client under a catastrophic illness policy

Our client was diagnosed with renal cell carcinoma of his left kidney in June of 2007. Under the provisions of his catastrophic illness policy, he was paid the lump sum benefit of $50,000 under the policy shortly thereafter. The terms of his policy stated that if he received no treatment for this cancer for at least a year, he could receive additional lump sum benefits if he developed another critical illness, such as a different type of cancer, a heart attack, or a stroke.

Over a year later, in September 2008, our client was diagnosed with renal cell carcinoma of his right kidney. His doctor stated that this diagnosis was a new, separate, primary cancer unrelated to his previous diagnosis of cancer in his left kidney. Accordingly, our client filed for benefits under his critical illness policy due to his new cancer diagnosis.

The insurance company denied coverage for the new diagnosis of cancer in his right kidney. The insurer argued that because our client attended follow-up visits and underwent scans to make sure his left kidney cancer had not recurred following surgery, he was ineligible for additional benefits for renal cell carcinoma under the policy.

Attorneys Dell & Schaefer obtained a copy of the insurance company’s claim file and all of our client’s medical records. An extensive Appeal letter was prepared and the insurance company was given 30 days to reverse their previous denial or a lawsuit would be filed.

After reviewing the Appeal letter prepared by Attorneys Gregory Dell and Robert Kerr, the insurance company reversed their prior denial and agreed to pay the $50,000 policy benefit to our client under a confidential settlement. Additionally, the insurance company agreed to keep the policy in force for any future additional catastrophic illnesses except renal cell carcinoma of the kidneys.

The client retained Dell & Schaefer on a contingency fee basis and he received $30,000 after payment of attorney fees and cost.

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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, 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   *****

Rose L.

My husband had paid for private disability insurance from the first year he worked. 30 some years later he filed a claim, it was denied. Together we submitted the claim 3 times, all times denied. We had no income and were rapidly using up any small savings we had. I searched on the internet, specifically looking for success with my husbands disability provider and found this firm. Within 2 months we had disability payments and when, yet again, the company stopped them after a year with no warning, this firm kept going. We could always call or email and get answers. Everything was explained to us and if there were options, we were given them. It has been a long process but we have a settlement and our lives can move forward. We are grateful for the help we were given by this firm and we recommend them highly.

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