Disability carrier denies disability benefits to chiropractor after paying for 8 years, yet Attorneys Dell & Schaefer file lawsuit and obtain lump-sum buyout

Dr. Z, a chiropractor, suffered an injury to both of his wrists while performing work in his backyard. As a result, Dr. Z was forced to discontinue his profession as a chiropractor and file disability claims under his three long-term disability insurance policies. Wanting to insure his financial future in the event that he became disabled, Dr. Z maintained three individual disability policies with three different insurance companies. Initially, the disability carriers approved Dr. ‘s claims and began paying him monthly disability benefits.

Over the years, Dr. Z’s hands and wrists continued to degenerate, developing arthritis and becoming deformed. He also developed osteoarthritis, rheumatoid arthritis, herniated discs and multiple lumbar and compression fractures of the spine. There was no question that Dr. Z was totally disabled from the practice of chiropractic and that his health was only getting worse. This was evidenced further by the fact that all of his disability carriers paid and accepted liability for his claims.

Shortly after stopping the treatment of patients, Dr. Z began working part time providing consulting services approximately 4-6 hours per week and began working part time doing billing and public relations earning $7.00 per hour. At no time did he return to the practice of chiropractic.

Despite being provided with volumes of medical documentation supporting Dr. Z’s total disability, one of Dr. Z’s disability insurance carriers decided to terminate Dr. Z’s claim for benefits after paying him for several years. The insurance company also alleged that Dr. Z committed fraud by allegedly working during the period of time which he claimed he was totally disabled and unable to treat patients. The disability carrier further claimed an overpayment of disability benefits. Dr. Z maintained that he never treated patients after he became totally disabled and that the insurance company was merely taking advantage of the fact that bad times had befallen Dr. Z.

Dr. Z retained Dell & Schaefer to represent him against his disability insurance company. Dr. Z’s attorneys, Gregory Dell and Cesar Gavidia began by sending a letter to the insurance company demanding that they recommence the payment of total disability benefits and threatening suit if benefits within a specific time frame. After several communications, the parties agreed to sit down and informally attempt to resolve the dispute through mediation prior to the commencement of a lawsuit. Although neither side conceded any arguments, the parties agreed that it was best to settle the matter as opposed to initiating a lengthy and contentious lawsuit. To this day, Dr. Z’s remaining two disability carriers have continued to pay disability benefits without interruption.

Questions About Hiring Us

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   *****

Amy W.

My disability claim had reached the 10 year “any occupation” point. The appointed insurance claims representation began calling and asking several questions and requiring that I answer, while indirectly threatening that my claim would be canceled if I did not answer immediately. It was very unkind and stressful to be threatened in this manner.

My claim was then set for cancellation after my medical records identified a temporary period of remission. They used one sentence of ten years of records that was based upon how I felt that day during that appointment. I contacted Dell & Schaefer and Attorney Gregory Dell responded to my e-mail within hours and on a Sunday. I was assigned to Rachel Alters. The insurance company asked me to do some pretty unsettling things, a physical capacity test that was being requested by LTD carrier to confirm their cancellation. Rachel was honest, direct and comprehensive while being timely and efficient. That is a hard find in any business to client relationship.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us