• An ERISA Long Term Disability Appeal Is ChallengingAn ERISA Long Term Disability Appeal Is Challenging
  • Can I Hire A Disability Lawyer to Help with my ERISA Appeal?Can I Hire A Disability Lawyer to Help with my ERISA Appeal?

Can I Hire A Disability Lawyer to Help with my ERISA Appeal?

Yes, it is in your best interest to hire an attorney to file your disability insurance appeal. The insurance companies have attorneys and actuaries working to protect their best interest – and so should you. Appealing a disability insurance denial is your right and an obligation before you can sue for benefits in court. Our attorneys are well versed with the rules of filing appeals and most importantly we know what evidence needs to be submitted as part of the internal appeal.

Your internal appeal is the last chance to include all necessary documentation. What does this mean? Your appeal is the ONLY evidence which can be used for subsequent litigation. In other words, once your appeal is submitted to the insurance company no additional evidence can be submitted in Court for a law suit.

Before you file an appeal on your own, speak with one of our attorneys. We always offer a FREE consultation.

Leave a comment or ask us a question

There are 5 comments

  • Douglas, it is unusual to receive a denial so soon after having a claim approved. Were the three months for Short Term Disability, and then they denied the Long Term claim? If so, that is a very common insurance company tactic. Please feel free to contact our office to discuss the denial, as well as the legal rights available to you.

    Stephen JessupFeb 17, 2018  #5

  • I recently received a denial from UNUMM after receiving 3 payments, who are these people. They told me from the beginning there was no problem with my benefits and then all of a sudden its gone. This is ruining our life the one thing we purchased the insurance to avoid. I had 15 years in my company, 5 years! to go and I loved my job why would I throw that away. They know if they ruin you financially you can’t afford a Lawyer. Everyone gets paid but the one person who needs it most, what a crock.

    Douglas J. S.Feb 16, 2018  #4

  • Joe, please feel free to contact our office to discuss the denial of your claim.

    Stephen JessupAug 10, 2017  #3

  • I got a denial letter from Unum after having had received benefits up until that point.

    There are two reasons given.

    In between stating the reasons, the letter says the decision is not based on my medical condition, which earlier in the claim had been an issue.

    I think I can successfully dispute the two reasons they give.

    Everyone has been nice to me but I feel like I always have a bad gut feeling anytime I interact with them. I’m sure others can relate.

    Because of this, my question is, can they come up with new reasons to deny me when they answer my appeal?

    That wouldn’t seem the least bit fair, and I would not have an opportunity to dispute it if they did, meaning I could not introduce any new information or evidence if I did have to file suit against them.

    I have already written the letter but am not sending it out for a couple weeks. I want to make sure I have all ducks in a row, because I know they will. I have not hired a lawyer but more and more am thinking I should.

    JoeAug 9, 2017  #2

  • After watching your videos on YouTube, I am fully convinced that I’ve been suckered into filing an appeal on my own by Aetna. Monday morning I will be calling your office .

    Otro RobinsonMay 6, 2017  #1

FAQ

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   *****

Cynthia B.

I learned in March 2014, that my LTD insurance provider was auditing my case. Two weeks later I received a denial letter. I didn’t even have time to provide the info requests to my doctors much less have them completed and sent back to the LTD company. I promptly called the rep who fumbled about for a few minutes then stated that the letter was mistakenly sent to me. The rep (I’ll refer to him as L) was often rude and aggressive even bordering on threatening on the phone.

They did not contact me from early June, I think, until September when L called me to inform me that my payments had already been stopped and a denial letter was in route. This letter informed me I had not complied in getting information from my Doctors and, he claimed in part that since they were not responsive to the insurance company, I was now in receipt of this denial letter. After all he claimed, I really was just fine (not quoted but implied in my opinion). I had not heard a word from L in 3 months prior to that call. I had been promised I no longer had to talk to L after I complained to the insurance company. How surprised I was to pick up a call from L. He seemed quite pleased to let me know they had already stopped my payments. Long story short, like you perhaps, I was scared and had no idea where to turn. Did I need to find a local attorney? That’s what I started doing. I quickly learned there were a lot of people who had or were currently going through the same thing. Misery really does seem to love company.

I started reading other people’s stories and often ran into the Dell & Schaefer name. I was skeptical. I mean, who chooses an attorney over the internet? I learned there were topics this law firm had placed on You Tube? I intently read everyone of them. I admittedly was impressed as they carefully described the process and what to expect. I read more than once. I called the national number listed. I made my choice when I spoke with Alexander Palamara, Esc. He was very informative, confident and encouraging. All of which I was not feeling prior to that call. I made my decision and never looked back. I knew without question that I would never be able to win this case on my own. I was so naive that I didn’t understand that what I thought was a very reputable and certainly well known Insurance company, would blatantly lie. They did. My attorney learned during the discovery process that they had, had much of the information they said they never got. They had had it for months. I never had to wait for response from Alexander, my attorney. If he was not available, his assistant would contact me. I was always in the loop and well informed. I was still shocked at the glaring discrepancies noted in my filing as opposed to what was noted by the insurance company’s denial letter. Some say, “Trust but verify”. I would Strongly recommend, “Don’t trust And Verify!” Act as early as you are able. Expect to provide your doctors names, addresses and phone numbers and dates. Then expect to be well represented. It’s well worth your time and money to pursue your case with Dell & Schaefer.

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