New Jersey Disability Insurance Lawyer Representation for Your LTD Insurance Claim
If you are a resident of New Jersey and would like assistance with your short or long term disability benefits claim, ERISA denial, long term care, life insurance or accidental death policy, there are several things you need to be aware of. Regardless of what stage of the claim process you are currently in, it’s usually best to consult a disability insurance lawyer and carefully go through your options before you file a disability benefits claim, appeal, or a lawsuit. In addition, it’s important to have an experienced lawyer who deals specifically with New Jersey law because there are certain state-specific aspects that may affect the case.
When seeking assistance from a disability insurance attorney in New Jersey, it is important to consider how much experience your lawyer has in dealing with your specific disability insurance company. At the Law Offices of Dell Disability Lawyers, we deal with every major disability company on a daily basis. We know every action that they will take. We have earned our reputation in both New Jersey and Nationwide as aggressive, competent, and reliable disability insurance lawyers. It is essential to hire an experienced attorney with a disability insurance law firm that has the resources, co-counsel network and experience to effectively represent disability insurance claimants against these nationwide disability insurance companies.
If you need attorney representation in New Jersey, please contact us for a free phone consultation. We handle disability benefits claims process at all stages: applications to disability, appeals processes, and litigation of disability lawsuits. We are available to help you with any claim in the United States and you will not be required to come to our office. If we cannot assist you, we will try to refer you to someone that can. We encourage you to look around our extensive website and download our free E-brochure to learn more about our legal services.
Was your claim for disability in New Jersey denied?
The initial application for benefits can be an intimidating process, but it can be even more daunting when you experience a wrongful denial of benefits. Once you receive notice of the denial, you have the option to file an appeal in an attempt to overturn the decision. It’s important to work with an experienced disability insurance attorney in New Jersey who has experience with cases like yours.
In order for a disability claimant to appeal, legal representation must submit a written request within sixty days of receiving the denial letter. Once this request has been made, the claim will move through four distinct levels of the appeals process – reconsideration, hearing by an Administrative Law Judge, Appeals Council review and Federal Court review. At any stage of this process, a benefits lawyer can provide invaluable assistance with helping claimants navigate their way through each level of appeals as quickly as possible.
If you need attorney representation, please contact us for a free phone consultation. We handle disability benefit claims at all stages: applications, appeals, and litigation of disability lawsuits. With decades of experience, the team at Dell Disability Lawyers understands the stress of a disability hearing. We will help you ensure the medical teams you see present the relevant evidence properly to help you receive the highest compensation benefits possible. We are available to help you with any claim in the United States and you will not be required to come to our office. If we cannot assist you, we will try to refer you to someone that can. We encourage you to look around our extensive website and download our free E-brochure to learn more about our legal services.
Why do I need a disability insurance lawyer in New Jersey?
The insurance claims process can be complex, and some consumers in New Jersey may miss out on potential compensation due to the challenges of appealing the insurance company’s decision and ensuring payment for their claim. A qualified attorney can help guide you through the process and protect your rights throughout. They can also work to ensure that all paperwork is completed correctly, and that any forms are filed on time. Furthermore, the lawyer may be able to negotiate with insurance companies on a consumer’s behalf in order to obtain the best settlement possible.
The majority of disability applicants seek out legal representation for the appeals process. An experienced disability insurance lawyer will ensure your medical evidence includes accurate information for the courts to review during a disability hearing. They can also help you to understand your legal rights and options, provide guidance on how to appeal a denial of benefits, and ensure that your case is presented in the most compelling manner. This includes gathering evidence from medical records and other sources, filing all necessary paperwork in a timely manner, obtaining a favourable judge for your hearing, and arguing the strongest possible case at the hearing. An experienced disability insurance lawyer will be able to examine all evidence and documentation thoroughly and present your case in an organized, well-structured way. Additionally, they can help you to understand any legal terms or concepts that may be unfamiliar to you, as well as provide advice and guidance on how to proceed with the appeals process.Having an attorney on your side in the disability appeal process can significantly improve your chances of receiving the benefits you deserve.
How does long-term disability work in New Jersey?
Long-term disability insurance typically pays a percentage of your salary, usually 50 to 60 percent, depending on the policy. The benefits continue until you return to work or for the specified maximum number of years outlined in the policy, which may be limited or until you reach retirement age. In the state of New Jersey, long-term disability is provided through an employer-sponsored plan or through a private insurance policy. If you are covered by an employer-sponsored plan, benefits are usually paid tax-free.
To be eligible for New Jersey long-term disability benefits, you must meet certain requirements set out by the state, such as being unable to perform any type of work for a minimum of six months. You must also have worked for the employer who provides the coverage for at least 18 months before you became disabled, and your disability must be caused by an illness or injury that is not a result of your job.
Answers to Questions About Working With Us
I need a disability insurance lawyer near me. Do you work in New Jersey?
Yes. We are a national disability insurance law firm with extensive experience and we are available to represent you regardless of where you live in New Jersey or anywhere else in the United States. We have partner long term disability lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits, and we deal with clients who have a wide variety of medical conditions or have experienced injury. There is nothing that our lawyers have not seen in the disability insurance world, so please do not hesitate to give us a call for a free initial consultation.
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 clients to make our attorney fees as affordable as possible. The three available fee options are a contingency fee basis (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, text or an online meeting tool. 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. Whether you need help with the initial application process, ERISA-governed policy issues, employer-sponsored Long-Term Disability (LTD) Insurance problems, insurance company denial, appeals, or litigation processes, we are happy to help remotely.
How can I contact you?
When you call us during normal business hours, you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Because we have extensive resources, our lawyers and staff return all client calls the 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.
Reviews From New Jersey Clients
Choosing a disability law firm to represent you in the application, appeals, or lawsuit stages is no easy task. You want to look for a law office with legal experts who have extensive experience in dealing with initial disability claims, appeals processes, and litigation, and have handled thousands of claims. It’s vital that your chosen disability insurance lawyers of New Jersey have extensive legal resources, a well-earned reputation, and a high client satisfaction rate. Be sure to review some of the client recommendations to make the best decisions:
Kenan A. from New Jersey
I was at a dead end with my disability claim. Cigna, after paying for a while discontinued it. I tried another lawyer, it was again denied. I was about to give up, unable to continue my Field Engineering job with medical problems and two special need children at home, not knowing what to do next.
A Friend recommended Dell Disability Lawyers and I called them. They responded quickly and went in to action. Five months later my disability claim was approved and one less thing to worry about in my life.
They are straight forward, there are no surprises as far as their fees and they communicate with you, explain everything to you along the way.
They know their business, they understand what you are going thru and they are results oriented. I am happy with everything they have done and the way it was done.
Michael D. from Jersey City
Alex and Sonia his paralegal are excellent. They represent Dell Disability Lawyers as a professional firm. I would recommend them to anyone. Very prompted and courteous. Thanks Again!
A professional firm. They do what they promise. No fooling around and excuses.
Jennifer S. from Newark
I contact Dell Disability Lawyers regarding my claim with Liberty Mutual. I was out on disability for 11 years and was helped to get back on claim. It was nice to have their guidance helping me all the way especially when Liberty did not send all records and delayed the date. Everyone responded quickly and we got the claim resolved on the first round. Thank you!
Frank A. from Atlantic City
Very professional and personal for the difficult path that comes with disability issues. Mr Kanter is not only knowledgeable in this field but extremely interested to see you receive what you deserve in disability issues. Overall I give a 10/10.
Great firm all around.
Catherine T. from Trenton
I had a wonderful experience with my attorney. She explained everything to me on what to expect from her and what she could do for me. She kept me informed all along the way. She answered all my questions anytime one would come about.
Sherri L. from Newark
I am very satisfied with my experience working with Dell Disability Lawyers. From the first intake call to the assignment of an attorney, I always felt that my questions and concerns were answered completely and timely. The attorney that handled my appeal made a very overwhelming, difficult process manageable and assisted us step by step. When dealing with illness and disability, you are not able to stand up and fight for yourself and this is where the vast experience and recommendations with LTD were relied upon. In addition, the legal assistant assigned to my case was a valuable asset to the outcome by always keeping me updated on the progress of the case and any necessary documentation that was required from me. Communication from this team was excellent.
Dell Disability Lawyers has the background and experience I needed for my LTD case. I would strongly recommend this firm to anyone experiencing issues with denial of a LTD claim.
Darrel H. from Princeton
Mr. Symonds, and all staff that I worked with at Dell Disability Lawyers, were professional in every aspect throughout the process of filing for a contested claim of Long Term Disability with The Hartford. After having approved Short Term Disability, and with no improvement in my condition, The Hartford somehow found that I was no longer disabled.
Mr. Symonds conducted research and collected collaborative documentation from all health care professional involved with my treatment, diagnosis, short/long term prognosis, and relevant history. In all aspects of preparation to submit my claim during the appeal process, Dell Disability Lawyers was diligent in tending to my interests and in preserving my privacy. Ultimately, my appeal was approved, Long Term Disability was retroactively enacted, and diligent service continues today, with Mr. Symonds and staff remaining accessible and responsive during every step of the way.
The attorneys at Dell Disability Lawyers were easy to work with, and are efficient and effective in all areas related to my claim against The Hartford. This, along with reasonable fees/costs, provides for an overall highly attractive value proposition.
Bottom Line: I would engage Dell Disability Lawyers, and specifically Mr. Jay P. Symonds, for any legal needs; especially any issues with Short/Long Term Disability with The Hartford or any of their kind. I really didn’t find any deficiencies; fees/costs, accessibility, effectiveness, total customer satisfaction were all met at a high level.
Top 5 Disability Insurance Cases Resolved by Dell Disability Lawyers in New Jersey
CIGNA reversed their previous decision and approved long term disability benefits for a New Jersey Account Manager. — Mr. W, a New Jersey Account Manager, had his long-term disability benefits denied by CIGNA despite suffering from physical and psychiatric conditions. He submitted claims for short and long-term disability benefits through his employer’s policies, both administered by CIGNA. CIGNA denied further benefits after seven months, claiming no ongoing functional deficits. Attorney Jay Symonds and his Dell Disability Lawyers team took on Mr. W’s case, finding issues in CIGNA’s denial letter and conducting a comprehensive ERISA appeal. The appeal highlighted Mr. W’s severe neurological injuries, orthopedic problems, cognitive difficulties, and unjustified malingering accusation. After a five-month review, CIGNA overturned its denial decision, paid full LTD back benefits, and reinstated the LTD claim. Attorney Symonds continues representing Mr. W for ongoing benefit security.
Lincoln Approves Disability Benefits Following Second Appeal — After a year-long fight against Lincoln Financial, a client with MS, assisted by Attorney Stephen Jessup, successfully secured her long-term disability benefits following two administrative appeals due to Lincoln’s denial of her claim. Despite experiencing severe symptoms of MS, the client, who previously worked as an IT quality assurance manager, was initially denied her disability claim due to the insufficient evidence of her MS-related symptoms provided by her doctor. Jessup’s legal strategy involved securing stronger medical support from a new doctor and arranging objective functional capacity and neuropsychological examinations, which evinced objective medical disabilities. Despite these successful measures, Lincoln continued to deny the claim, citing the client’s previous doctor’s assessment that she was fit to work. Ultimately, after preparing a second appeal with robust medical support and evidence, Lincoln approved the client’s claim over a year from the initial denial. Following this victory, Attorney Jessup is now aiding the client in maintaining her benefits in the face of Lincoln’s impending review of her situation.
CIGNA approved short term disability benefits for a New Jersey Project Manager after an appeal by Attorney Jay Symonds. — Mr. W, a Senior Project Manager in New Jersey, filed for short-term disability benefits and later long-term disability benefits due to multiple medical conditions. CIGNA initially paid out for three months but then denied further STD benefits, claiming Mr. W did not meet the policy definition of disability. Attorney Jay Symonds helped Mr. W challenge the decision, addressing issues in the denial letter and misinterpretations of his medical records. The appeal focused on CIGNA’s failure to recognize the physical challenges of Mr. W’s job. After a two-month review, CIGNA reversed its decision, reinstated and paid out the STD benefits, and approved the LTD claim. This success ensured Mr. W received the necessary finances and avoided a gap in monthly income.
Lincoln approved benefits for a project manager with chronic cluster headaches. — Attorney Rachel Alters won an appeal against Lincoln’s decision to deny long-term disability benefits to a severely incapacitated Project Manager. The denial was due to Lincoln’s misunderstanding of the claimant’s rare and debilitating headache condition. Despite two appeals and comprehensive medical evidence, Lincoln maintained its denial. Their review was substandard: they didn’t consult with the patient or her physicians and ignored conflicting opinions. Attorney Alters presented a second appeal, highlighting Lincoln’s shortcomings and providing additional supporting opinions. As a result, Lincoln reversed its denial, paid past benefits since 2012, and reinstated the claim. Dell Disability Lawyers are now overseeing the case to ensure ongoing benefits until the claimant is able to return to work.
Benefits Reinstated: Dell Disability Lawyers Successfully Appeals Cigna’s Decision to Deny Benefits for MetroPCS Wireless Employee with HIV — Dell Disability Lawyers appealed CIGNA’s denial of LTD benefits for a former MetroPCS Wireless employee with HIV/AIDS. CIGNA initially approved and paid benefits for 24 months but changed conditions, leading the employee’s claim denial in 2013. Dell Disability Lawyers used medical records, a capacity assessment, and social security disability approval to reverse CIGNA’s decision. As of April 2014, LTD and Waiver of Premium benefits were reinstated and will continue until the client turns 65 or can work in any capacity.
