Disability lawyers win ERISA long term disability appeal against Hartford

Disability Insurance Lawyers Dell & Schaefer prevailed in an ERISA appeal filed on behalf of their client when The Hartford Insurance Company wrongfully terminated her long-term disability benefits. The client was suffering from severe, progressive axial chronic back and leg pain related to degenerative disc disease for several years. She underwent several epidural steroid injections and physical therapy sessions with little or no relief. She then underwent a lumbar fusion from L3-S1. She could not perform the essential duties of her occupation as an Executive Administrator due to the severe pain she was experiencing in her back and lower extremity. The Hartford determined that she was disabled as of February of 2008 and began paying her benefits in July of 2008. In November of 2009, Hartford terminated her benefits claiming she was no longer disabled.

Even though the claimant’s treating physicians clearly stated that she was in severe pain and could not work, was suffering from cognitive impairment due to the side effects of her medication and her nerve conduction studies showed she has S1 radiculopathy, Hartford decided to terminate her benefits. Hartford claimed that they performed video surveillance on four separate occasions and observed her sitting for an extended period of time on one occasion. They also observed her walking without a limp on occasion. Despite a litany of medical evidence that undeniably showed that the claimant was disabled, Hartford claimed that our client was able to work 40 hours a week sitting at a desk 8 hours a day without physical or cognitive limitation.

After her claim was denied, the claimant was in so much pain she consulted with another neurosurgeon to find some answers. He determined that her pain was caused by a previous spinal fusion that had failed. The claimant underwent another surgery, a revision of her previous fusion, in June of 2010 to help alleviate her pain. Attorneys Gregory Dell and Rachel Alters filed an appeal on behalf of our client in July of 2010. In our appeal we were able to show that the claimant was disabled and unable to perform the essential duties of her occupation. This was evidenced by a functional capacity examination which revealed that her work tolerance was below the sedentary physical demand level and that returning to work could not be recommended; a CT scan which showed pseudarthrosis at L5-S1; a nerve conduction study revealed S1 radiculopathy which was consistent with her chronic pain; and the opinions of several of her treating physicians that she was unable to work due to severe pain and cognitive impairment.

In August of 2010, Hartford informed our client that her disability benefits would be reinstated as they determined that she was disabled and unable to perform the essential functions of her occupation. Our law firm continues to handle our client’s disability claim on a monthly basis.

Questions About Hiring Us

Do you help Hartford claimants nationwide?

We represent Hartford 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 Hartford disability insurance policy?

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

How do you help Hartford claimants?

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

  • 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   *****

Brenda P.

Attorney Alex Palamara was a delight, and most cordial, efficient and timely in responding to my questions and concerns. The staff was professional and also a delight to work with. The entire law firm most definitely looked out for our best interests. It was a burden lifted off us not to have to deal with the insurance company and which gave us peace of mind. There’s no price tag that could be put on that.

***** 5 stars based on 202 reviews

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