• Chubb Disability Insurance Claim Help To Get Paid BenefitsChubb Disability Insurance Claim Help To Get Paid Benefits

Chubb Disability Insurance Claim Help To Get Paid Benefits

Chubb Limited is an insurance company that sells a broad range of different insurance products, including long term disability insurance. But because Chubb isn’t primarily known as a long term disability insurance carrier, it can be tough for claimants to find information about what to expect when seeking disability benefits. Unlike group long term disability policies that are offered through an employer (and must be litigated in federal court), Chubb policies are generally individual policies targeted toward specialty professions ranging from chiropractors to dentists. This can make these policies a little different from standard long term disability policies, and claimants must proceed quickly and efficiently when seeking disability benefits from Chubb. At Disability Insurance Attorneys Dell & Schaefer, our team of disability insurance attorneys has extensive experience in helping long term disability claimants secure their benefits. Learn more about what your Chubb disability insurance claim process may look like.

Chubb Uses Third Party Claim Handlers to Review and Administer Your Disability Claim

Chubb’s range of insurance products is so extensive that when it comes to long term disability claims, it outsources the review and approval process to third party handlers, including the Lincoln National Life Insurance Company. These handlers work exclusively in long term disability products, but that doesn’t necessarily mean any one reviewer is familiar with the language of a particular claimant’s disability policy. Claimants can benefit from legal advice before they ever file a claim to ensure the claim packet is as comprehensive and complete as possible.

Then, after a disability claim has been approved, these claim handlers will continue to administer the benefits and monitor the case. Over time, a claimant is likely to be asked for additional medical records or other documentation to prove the long term disability benefits should continue. Some policies are written to terminate benefits at a specific age (like 60 or 65), while others provide a “lifetime” of benefits.

An Immediate Lawsuit is not Always the Best Option for a Client Seeking Disability Benefits

Because Chubb doesn’t administer its own long term disability claims, there are some potential claims that can be asserted against both Chubb and the third party administrator – but a lawsuit isn’t always the best option for disability claimants. In many cases, there may be some deficiencies in the administrative record that should be corrected or supplemented before the denial is appealed. By seeking out additional medical records, outside evaluations like an independent medical exam or vocational assessment, or other evidence supporting a disability claim, the claimant can significantly improve their odds of approval on appeal.

A civil lawsuit is usually the option of last resort after a claim has been denied initially and denied again on appeal.

We Help Claimants Apply for Benefits to Give the Best Chance for Claim Approval

Chubb long term disability insurance policies can include complicated language and strict time limits for applying for benefits. These administrative burdens can come at the exact wrong time, as few who are dealing with disabling injuries or conditions have the time and mental energy to devote to creating a disability claim file. And once a claim is denied at the initial stage, the claimant must take a certain route through the appeal process to avoid waiving their right to receive benefits later.

Seeking legal advice from the disability insurance attorneys at Dell & Schaefer can help offload these responsibilities to professionals who are well-equipped to manage them. Our experienced long term disability insurance attorneys have helped thousands of disability claimants receive their benefits (and continue receiving their benefits), and we can help you. If you’re wondering about your rights under a Chubb long term disability policy, give us a call today to set up your FREE consultation with a member of our team.

FAQ

Do you handle ERISA Chubb appeals?

If your disability income claim has been denied by Chubb and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Chubb. Our law firm has handled thousands of ERISA appeals against Chubb and we will prepare a very strong appeal on your behalf.

Do you help with Chubb applications?

The application for disability benefits with Chubb is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Chubb. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Chubb. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Chubb.

Do you file Chubb lawsuits?

If Chubb has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Chubb. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Chubb. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Chubb.

Can you help with a Chubb disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Chubb and we know the unreasonable denial tactics used by Chubb to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Chubb.

Do you manage Chubb monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Chubb disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Chubb. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Chubb. Chubb only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Chubb lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Chubb. Our disability lawyers have established relationships with the people at Chubb that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Chubb. Our goal is to get you the highest buyout possible.

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   *****

Randy K.

From the first conversation I had with Steve there was a level of confidence that I heard in his voice which calmed my initial hesitation of calling for legal assistance. During the entire process, Steve, Danielle and others at the firm kept me informed and encouraged every step of the way. Without his knowledge, experience and determination to fight for me, I would have been another unfortunate statistic that lost their long term disability benefits. If you are in need of an advocate to fight for your rights, call Steve immediately. I guarantee you will not regret making that call.

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