Dell & Schaefer successfully appeals denial of benefits to maintenance technician

Pre-disability

Before going on disability, our client, Mr. C, was working as a Maintenance Technician for a residential community. His job required him to spend the majority of his time outdoors. Naturally, Mr. C’s job often required him to work through extreme heat or cold and otherwise exposed to the weather. Mr. C used tools ranging from common hand and power tools, such as hammers, hoists, saws, drills, and wrenches to precision measuring instruments and electrical and electronic testing devices. A certain level of coordination and manual dexterity was required to effectively handle the day-to-day tasks required of his job as maintenance tech.

Disability and Claim for Short Term Disability Benefits

Unfortunately, Mr. C was had been suffering from a number of conditions including Systemic lupus Erythematosus, Severe Raynaud’s, and Sjogren’s. His various medical conditions would cause him to experience Severe Sensitivity to Sunlight, chronic headaches, fatigue, and muscle and joint pain among other symptoms. His symptoms were aggravated with changes in the weather and his overall condition began to regress and worsened with age.

Initially, despite his symptomatology, Mr. C was able to work using sun blocker and gloves to protect his skin from the elements and with the help of certain medications to alleviate some of his symptoms. However, eventually Mr. C’s symptoms worsened to the point that his doctor restricted Mr. C to working indoors only.

On November 1, 2013 Mr. C was forced to stop working as he was no longer able to continue working. With the help of his treating physician, Mr. C filed a claim for short-term disability benefits, which was initially approved. Lincoln National, the insurer responsible for making claims determinations, paid benefits to Mr. C until January 4, 2014. By way of letter dated December 19, 2013, Lincoln Financial Group, denied Mr. C’s continued claim for benefits contending he no longer qualified for benefits.

First Appeal and subsequent denial

Mr. C took on the burden of appealing Lincoln’s denial of benefits. With his appeal, he included medical records supporting his claim including x-rays of his hands and statements from his doctors corroborating his disability. Unfortunately, Lincoln denied Mr. C’s appeal by letter dated March 6, 2014. Lincoln acknowledged that Mr. C’s doctors had advised him to avoid working outside but explained that “reasonable solutions” for this problem would be “warm clothing, gloves in cold weather, and wearing UV protective clothing with a hat and sunscreen in the outdoors.”

Mr. C contacts Attorneys Dell & Schaefer

Luckily, Mr. C had a second appeal available under his policy and he contacted Attorneys Dell & Schaefer to assist him with his claim. We took on the task of handling Mr. C’s second appeal. We were able to sift through the medical records and Lincoln’s claim file to determine the best course of action. The appeal presented additional medical records supporting Mr. C’s disability and tactically addressed the errors made by Lincoln during its review.

Within two months of submitting the appeal, Lincoln overturned its decision and paid all back benefits owed. Dell & Schaefer remains on Mr. C’s claim ensuring that Mr. C has the best chances of remaining on claim and receiving long-term disability benefits for as long as his disability continues.

Read more about Lincoln Financial disability claims on this page.

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FAQ

Do you help Lincoln Financial claimants nationwide?

We represent Lincoln Financial 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 Lincoln Financial disability insurance policy?

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

How do you help Lincoln Financial claimants?

Our lawyers help individuals that have either purchased a Lincoln Financial 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 Lincoln Financial:

  • 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   *****

Susan (Virginia)

Dear Michal & Rachel,

Thank you so very much for everything you do help me and my family. I cannot express how much it means to me to know that you both look out and after all things legal, insurance and administrative for us. Your service and attention to detail has always been beyond my expectations – as a former VP in the Architecture and Construction Industry, thoroughness and follow-up are so important. In all the pain I suffer, knowing that you and your team are in my corner provides me immeasurable peace of mind.

My sincerest gratitude.

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