Chiropractor receives total disability benefits despite neck exclusion language in a Trustmark Insurance Company disability policy

Our client, a chiropractor, was severely injured as a result of a mountain bike accident, which left him temporarily paralyzed. While he was only temporarily paralyzed, this accident has left him with permanent spinal cord and lower back injuries that render him unable to work as a chiropractor. The days that he once spent running from room to room, greeting people, and adjusting and manipulating his patients were now filled with various doctors appointments, different kinds of therapies to aide his pain, and even surgery.

However, this client’s disability policy has an exclusion for any injuries related to the neck, and the insurance carrier was working to try to have our client’s injury fall under this exclusion to avoid payment of his disability claim.

Our Firm fought tirelessly, working with his treating doctors and the insurance carrier to show how his disabling condition was more than just his neck; that his back and shoulder conditions were equally disabling, and thus that his medical condition was not excluded from coverage. As a result of our representation, our client’s total disability claim was approved and he continues to receive long-term total disability benefits.

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Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Trustmark. 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 Trustmark.

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Our lawyers help individuals that have either purchased a Trustmark 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 Trustmark:

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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.

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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.

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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.

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Mickey C. (Texas)

My experience with Dell & Schaefer was positive in all aspects. I called on the firm after I had appealed my disability insurance companies decision to drop my disability benefits. If I could go back, I would have let them take care of not only my appeal, but my long term disability claim from the start of my claim. I was totally satisfied with Dell & Schaefer.

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