Dell & Schaefer Successfully Appeals Denial of Benefits to Fedex Employee

We get calls every day from claimants seeking help with filing an appeal against their disability carriers. Often, people call us after their appeals have been exhausted and the only option left is to file a lawsuit. Lawsuits can be costly and time consuming and, under ERISA, limited to recovering back benefits owed. It is not uncommon for a disability insurer to pay short term disability benefits for some time and then terminate benefits before reaching the long term disability phase. Where such a claim involves a permanent or long term disability it is important to contact an attorney before exhausting all administrative appeals at the short term level, mainly to ensure rights to long term disability benefits are preserved. In certain cases, exhausting all appeals at the short term level could prevent or make it difficult to recover long term disability benefits in a lawsuit.

Our Client, Mr. D, was denied disability benefits at the short term level, and unfortunately, has been suffering from a permanent long-term disability. Before going on disability, Mr. D worked as a District Human Resources Manager for FedEx and was forced to stop working due to various conditions he had been suffering from for several years. Mr. D had Type 2 diabetes, Chronic Obesity, Congestive Heart Failure, Neuropathy, and various other conditions. He suffered from worsening numbness in his feet and hands which made it difficult to walk and use a computer. His medications caused him to become very fatigued and drowsy throughout the workday. Over time his conditions worsened and his symptoms made it impossible to continue working.

Mr. D’s Claim for Disability Benefits

Mr. D’s employer had a group disability plan, which covered Mr. D in the event he became disabled. The plan paid short term disability benefits for 6 months and then long term disability benefits thereafter if the disability continued. Mr. D filed a claim with Aetna, the claims administrator for the plan, and after being out of work for over a month he received a letter from Aetna denying his claim for benefits. In the short letter, Aetna acknowledged the presence of Mr. D’s various conditions yet stated that they were denying the claim “because, [they] were unable to obtain any abnormal examination findings to support [Mr. D’s] claim.”

Mr. D immediately contacted our firm. After the first discussion, it became clear that Mr. D was indeed disabled and needed help with his claim for short term as well as long term disability benefits. Fortunately, Mr. D had contacted Dell & Schaefer with enough time for us to gather the information needed to secure disability benefits. Additionally, Mr. D did not wait until after exhausting his appeals before contacting an attorney. This ensured that the proper steps could be taken to ensure the best chances of securing long term disability benefits.

Aetna Overturns Denial on Appeal

After collecting all pertinent information, we drafted the appeal in a way that made it simple for Aetna to see that Mr. D was totally and continuously unable to do any and every part of his job. Aetna overturned its short term disability denial and paid all back benefits owed to Mr. D. In the appeal, we demanded that Aetna also evaluate Mr. D’s eligibility for long term disability benefits. An approval letter for long term disability benefits followed.

Mr. D continues to be disabled and Attorneys Dell & Schaefer continues managing Mr. D’s claim for long term disability benefits. Mr. D’s decision to contact an attorney as soon as he received his denial letter played an essential part in securing his long term disability benefits. Had he chosen to file his own short term disability appeal and/or wait longer before contacting a lawyer, his claim may have ended with a different result.

Read more about Aetna disability claims.

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FAQ

Do you help Aetna claimants nationwide?

We represent Aetna clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Aetna disability insurance policy?

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

How do you help Aetna claimants?

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

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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   *****

Jo Ann M.

I contacted Stephen Jessup when I was appealing the decision to terminate my LTD benefits. I did not proceed with his services at that time but because of his encouragement, kindness and expert guidance, I called back after I lost my appeal. Happily, he was able to obtain a settlement for me which was a Godsend and helped me get back on track financially. I would not have given a thought to pursuing any course of action if it weren’t for Stephen’s advice and guidance. I am so grateful for what he did for me. It was a life changer. Thank you.

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