• A disability insurance claim caused by a pain disorder is not a depression disability claim

Can the disability company limit my disability benefits to 24 months if I have been diagnosed with depression as a result of my physical disability?

This is an issue that our disability lawyers face on an almost daily basis. Disability insurance companies, such as Prudential Insurance Company, will often argue that a claimant is disabled by a mental condition and not a physical condition. This is done so that they can limit the payment of disability benefits to a limited pay period of either 12 or 24 months.

In this video Attorney Stephen Jessup discusses this common insurance company denial tactic and things that can be done to overcome it.

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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   *****

David B.

I was faced with a very difficult situation. Being disabled was bad enough but being accused of faking my condition just added to all the stress, not to mention the obvious financial shortfalls of not being able to work. Soon my claim was cut off. My insurance company had me right where they wanted me.

I have come to learn that the laws that apply to large insurance companies have been lobbied by them. The deck is stacked against the claimant. I also learned that when you make an appeal to your insurance company that is your whole case. If you go to trial, ERISA laws are in place to make your appeal your whole argument and it can’t be added to after the fact. Your initial appeal is vital if you are to succeed.

Your appeal is key. There is no doubt in my mind that had I tried to take my insurance company on by myself they would have prevailed without having to pay anything. I would have fallen into the trap that is set by them.

Dell & Schaefer’s very capable attorney Rachel Alters put a strong case together and knew all the potential pitfalls. Rachel was very patient with me and worked methodically to compile an 800 page appeal. We were able to beat them at their own game. I was able to receive a significant settlement because the case had been made on the terms that the law requires.

I can not stress enough the need for strong representation when and individual goes up against these huge companies with unlimited funds to fight paying what they should.

***** 5 stars based on 202 reviews

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