• Can the disability insurance company call my doctors without telling me?Can the disability insurance company call my doctors without telling me?

Can the Disability Insurance Company Call My Doctors Without Telling Me?

The answer to this question depends on how your disability claim is being managed and the extent of the medical authorization you have provided to your disability carrier.

Watch our video to learn more about this common occurrence.

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  • Liberty Mutual is the LTD carrier for my former employer provided group LTD policy. I rolled onto LTD from short term disability. Liberty Mutual presented me with an open ended authorization, which included; granting them access to my employee records, driving record, credit report, bank accounts, etc. I created separate auth forms of my own in my own language and filled each in with a doctor or facility that was treating me. I signed each one and sent these back to Liberty Mutual. I threw out their open-ended auth form. On forms that I had to return, I crossed out the offending statements with heavy black ink and signed the forms.

    Three months after I started to receive the LTD, I pulled my credit report to discover that Liberty Mutual had accessed my credit report history without my consent at the exact time my LTD had kicked in. The reason they listed was Insurance underwriting. I was not shopping for Insurance, therefore, Insurance Underwriting is not correct. Are they able to continue to do these things at will. without my consent? Do I have any recourse?

    ChristineSep 26, 2017  #1


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   *****

Karen F. (New York)

I applied for and was denied my LTD insurance a little over two years ago. I was distraught, I had no idea they could just refuse you. My Social Security disability lawyer gave me Dell & Schaefer’s name and phone number. I called the next day, and they immediately called me back and set up an appointment the next day, for me to speak to Alex Palamara on the phone. They are located in Florida.

He was extremely empathetic and friendly. He took all of my information and he and Danielle Lauria, who works with the lawyers, prepared a statement to the insurance carrier. They also send me copies of everything that they send out. They sent a very professional and informative letter explaining why I should not be denied the insurance. The insurance company immediately decided to pay me the insurance that I signed up for.

I have always received quick information and phone calls, whenever I request assistance. They did have to do another appeal for me, recently. It was very involved, but written up extremely well. I was offered a settlement, and they were even able to get the in Insurance company to increase it for me. I would recommend Mr. Palamara and this law firm to anyone who has a problem with their LTD insurance. I don’t have a single complaint about the way I was treated. I’m extremely thankful for their help over the last few years.

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