Dell & Schaefer’s Client Awarded ERISA Long Term Disability Benefits After ERISA Appeal Filed

Dell & Schaefer was informed by Unum that a client’s claim for LTD benefits has been finally awarded. The client was previously employed as a Nuclear Security Officer for the Entergy Services, Inc. This occupation is a position of great responsibility. From controlling access, preventing intrusions, and thwarting industrial sabotage, the claimant had to be ready at all times to perform the material and substantial duties of his job. Unfortunately, the restrictions and limitations caused by lumbar radiculitis, lumbar degenerative disc disease, lumbar facet arthropathy and the related lumbar pain caused by these conditions prevented the client from performing his duties since May of 2012.

Shortly after leaving work due to these conditions, the client filed for but was denied Long Term Disability benefits by Unum.

Claimant Contacts Dell & Schaefer

After his initial appeal was denied, the claimant contacted Attorneys Dell & Schaefer with the hopes that their expertise would help convince Unum that he was truly disabled with the final disability appeal he possessed.

After having a chance to review the Unum’s claim file and the client’s medical records, Dell and Schafer was able to point out the strengths of the client’s claim and the weaknesses of Unum’s earlier reviews that led Unum to the previously incorrect decision to deny his benefits.

Dell and Schaefer’s Administrative Appeal

Armed with physician support that stated that the claimant could not perform his occupation as he could not lift more than 15 lbs, Dell and Schaefer was able to show Unum that there was no way this individual could ever perform the duties of a Nuclear Security Officer. Additionally, Dell and Schaefer pointed out that neither of the reviewers who were employed by Unum to review the medical records of the client had even treated, met with or even laid eyes on the claimant.

A few weeks after the appeal was filed, Dell and Schaefer was informed today that the client’s claim had finally been approved. The client will be receiving his long term disability benefits shortly. We at Dell and Schaefer will work to keep this client on claim until he is able to return to work or until his policy expires at age 65.

If you have a similar claim, please do not hesitate to call Attorneys Dell and Schaefer for a free consultation to discuss your case.

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Articles about Unum disability claims and denials

Questions About Hiring Us

Do you help Unum claimants nationwide?

We represent Unum 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 Unum disability insurance policy?

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

How do you help Unum claimants?

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

  • 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   *****

Thomas S. DVM

When I first thought about a disability claim and what was required to qualify, I met with Greg Dell and he clearly spelled it all out for me. He quickly advised me that with my problems I was definitely deserving of benefits. I was given a choice between an hourly or percentage compensation rate. I choose the percentage rate as I wanted Greg to be a partner in my claim and handle all the complexities associated with getting paid and the continued documentation required.

I have had my share of experiences with lawyers and I have to say Greg Dell was the most professional as well as honest and caring one I have ever met. He makes no promises but points out all the facts in your case and what he feels you need to be successful. The e-mails sent are always answered promptly. I have to mention that his staff specifically Vanessa is always available and helpful. I believe it is possible to do the whole process yourself, but I WOULD NOT RECOMMEND IT. It is my personal opinion that the insurance company does not want to pay you no matter what and a good attorney is essential to navigate all the road blocks put in front of you. Thank you Greg for guiding me and helping me financially protect my family.

Gregory Dell’s reply:
Your kind words mean a lot to Vanessa and I. Thank you for the opportunity to work for you and I will continue to do everything I can to make sure your disability benefits continue to be paid each and every month.

***** 5 stars based on 202 reviews

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