Do Disability Insurance Companies Pay Bonuses or Commissions to Case Managers if They Deny a Short Term or Long Term Disability Benefit Claim?

No disability insurance company will admit that they pay bonuses or commissions for claim denials. There are claims managers with many disability insurance companies that are paid a bonus based upon the overall performance of the company. We know this to be true from the numerous depositions and discovery request we have sent to every major disability insurance company.

Obviously, if the disability company denies more claims then the financial performance of the company will be better and the claim manager can receive a higher bonus. Claim managers are also always aware of the disability claim reserve for a block of disability claims. The reserve is a specific amount of money that an insurance company is required to maintain in order to pay the pending disability insurance claim. The reserve amount is usually at least 50% of the total value of the disability claim.

Every disability insurance claim has its own reserve depending upon the age of the claimant, amount of the benefit, and maximum duration of the claim. When a disability claim is denied, the Reserve amount comes off the company’s books and the company can now release a liability, which increases revenues and profits.

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FAQ

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   *****

Michael G., DDS, MS

On approaching age sixty-five, there was some question regarding continued benefits for disability resulting from accident as opposed to sickness. My insurers required extensive personal documentation as well as attending physician assessments to justify my claim for benefits beyond age sixty-five, i.e. lifetime benefits. It was then that I sought assistance from a firm specializing in Private Disability Insurance Law.

My search lead me to Dell & Schaefer where I’ve had the pleasure of working with Attorneys Steven and Gregory Dell. Their representation of my interests have resulted in a very smooth and efficient relationship with my insurers.

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