Cameraman suffering from chronic knee problems receives long-term disability benefits from the Mutual of New York Life Insurance Company

After several month of attempting to handle his long-term disability claims on his own, our client contacted Attorneys Dell & Schaefer. Mutual of New York Life Insurance Company claimed to be conducting an evaluation of his claim, but had not yet paid any benefits. Disability Management Services (“DMS”), a third party administrator, was retained by Mutual Life to administer and process our client’s claim for disability benefits.

Our client’s disability policy contained a residual disability definition which provided benefits if he had a 25% loss of income and unable to perform one or more of his material duties. As a professional cameraman and business owner, he had to carry heavy cameras when on photo shoots and move around with these cameras constantly. Having suffered a knee injury, he now had to hire outside cameramen to perform the filming. Thus, he was unable to perform all the substantial and material duties of his occupation, and was suffering a loss of income due to his increased cameraman expenses.

After retaining Dell & Schaefer, Attorneys Gregory Dell and Robert Kerr worked diligently with the client, his personal attorney, and his accountants to properly document the client’s financial losses as a result of his disabling condition. This work involved months of careful documentation of the client’s earnings and repeated contact with the insurance company to ensure they had everything needed to evaluate the disability claim.

After providing the requested documentation on multiple occasions, Mutual Life appeared unable to make a decision, despite a clear loss of income in the years following his knee injury. Just prior to the filing of a lawsuit, Mutual Life approved our client’s claim for long-term disability benefits.

Dell & Schaefer continues to monitor our client’s claim to ensure Mutual Life has all the documentation it needs and that the proper amount of benefits are paid to the client every month.

Questions About Hiring Us

Do you help New York Life claimants nationwide?

We represent New York 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 New York Life disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from New York 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 New York Life.

How do you help New York Life claimants?

Our lawyers help individuals that have either purchased a New York 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 New York 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, 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.

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Kim K. (Florida)

Rachel was recommended to me by a lawyer friend. I am also an attorney. So, needless to say… probably not the easiest of clients… with tougher than normal expectations. Rachel did a really great job. She listened to what I wanted and delivered what I asked for, in record time.

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