Can one application be submitted if the same insurance company administers both my Group Long-term Disability Plan and my Individual Disability Policy?

Generally, yes, most long-term disability insurance carriers allow you to submit one application if they administer both your Group and Individual Long-term Disability policies. Of course, as a rule of thumb, you never want to assume anything when it comes to the disability insurance company or your claim, and you should ask the claim representative if submission of one application is acceptable. Once your long-term disability application for your claims is received, your claims will likely be assigned to a special claim representative with experience managing both Group and Individual claims, and potentially consolidated. You should be aware that your individual and group policies may contain distinct terms and eligibility requirements. It is important that you are familiar with the requirements of both policies, since certain facts and circumstances may cause you to be eligible under one policy, at the cost of sacrificing your benefits under the other. If your claim is approved, the disability insurance carrier will require that you submit monthly claim forms and attending physician statements. It is unlikely that you will have to submit more than one set of forms, since one set should sufficiently satisfy your proof of loss requirements under both policies.

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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   *****

Pauline R.

It was a frustrating experience to deal with the impersonal folks at the insurance company when they were paying the benefits because they always were late or changed the requirements. Then they just stopped paying what was suppose to be a lifetime disability benefit.

Thankfully we found Dell & Schaefer who explained our recourse to us in detail so we knew exactly what to expect. We didn’t just lay down and play dead, we got the experts on our side. Dell & Schaefer were easy to do business with and kept us well informed.

***** 5 stars based on 202 reviews

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