Do I Have To Allow My Disability Insurance Company To Contact My Employer?

For all intents and purposes, yes. Despite any concern an insured may have with their employer knowing any information about their disability, or concerns over what an employer/former employer might say, understanding your occupational duties is paramount to the claims review process.

Generically, disability insurance policies define Disability to mean (1) a medical condition (2) prevents you from performing the duties of your occupation (or any occupation). This has led to the theory that Diagnosis does not equal Disability. Meaning, just because you have a diagnosed medical condition does not mean you are disabled under the terms of your policy. There has to be a nexus between how your medical condition impacts your ability to work. One of the only ways for an insurance company to determine this is by understanding your job duties and verifying same with the employer. This can often only be done by speaking with your employer.

If you refuse to allow an insurance company to speak with your employer it can adversely affect your claim, including a possible denial of benefits.

Leave a comment or ask us a question

There are 2 comments

  • JJ, if you are already on disability from the employer’s policy then your company going out of business should not affect your claim at all.

    Stephen JessupAug 9, 2017  #2

  • What happens if my employer goes out of business after I am disabled?

    JJAug 2, 2017  #1

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.

Reviews   *****

Jack B.

I called Dell & Schaefer the day I received the LTD denial letter, and immediately spoke with attorney Cesar Gavidia. From our phone conversation he understood what I was up against. After my denial I was feeling hopeless and was ready to throw in the towel. Cesar explained to me the next step was to file a lawsuit and take the case before a federal judge. We settled the case at mediation with the insurance co. rep and their counsel.

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