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Disability lawsuit filed against The Standard Insurance Company for denial of disability benefits to man suffering with hepatitis C

Our Client, Mr. B worked as a Traffic Central Worker II, often for long hours installing traffic sign throughout Broward County. Despite his strong ambition to work, Mr. B suffered disabling symptoms arising from chronic hepatitis-C, which in turn prevented him from continuing the job he maintained for a number of years.

Mr. B made a claim for disability benefits under his group long-term disability policy with Standard Insurance Company.

Mr. B’s group long-term disability policy was issued through his employer, the Broward County Board of County Commissioners, a governmental entity. Even though Mr. B’s policy was issued to him through his employer, because he worked for a governmental entity, his claim for long-term disability benefits was exempt from the Employee Retirement Income Security Act (ERISA), and governed by Florida law.

The long-term disability policy contained the following definition of disability:

During the Benefit Waiting Period and the Occupation Period you are required to be Disabled only from your own occupation. You are disabled from your own occupation if, as a result of Sickness, Injury or Pregnancy, you are unable to perform with reasonable continuity the material duties of your own occupation.”

Within two months and without so much as having his claim reviewed by a physician, Standard denied Mr. B’s claim for disability benefits.

Mr. B retained Attorneys Dell & Schaefer to pursue Standard for payment of his disability benefits. Attorneys Gregory Dell & Cesar Gavidia have filed a lawsuit in Broward Circuit Court seeking all past due disability benefits, attorney fees, cost and interest.

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FAQ

Do you help Standard claimants nationwide?

We represent Standard 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 Standard disability insurance policy?

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

How do you help Standard claimants?

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

  • 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   *****

Kenneth R., DDS

Straight forward, knowledgeable, professional and very well versed in the intricacies of disability insurance policies.

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