• Should I Return the "Medical Authorization Release" Form to the Disability Insurance Company?

Do I need to send the “medical authorization release” form to the disability insurance company?

Disability attorney Gregory Dell discusses why a claimant must be careful when returning the “medical authorization form” to their disability insurance company.

You need to be extremely careful in returning these medical authorization forms to the long-term disability carriers. The disability carriers have the right to obtain any of you medical records that they want. The problem is, and what I consider to be a trick that they’re looking to play on disability claimants, is that these medical authorization forms are not just “medical authorizations.”

What they actually include in them, if you read them closely, is they ask for all of your financial information, they ask for permission to speak with any of your employers, they ask for tax records, they’ll ask for any kind of employment records, they’ll ask for the right to pull your driver’s license, and they’ll also ask for the right to pull your credit report. Many of these things have absolutely nothing to do with your long-term disability claim, and you do have the right to modify the medical authorization form should you desire to. So I would encourage you to read your medical authorization form very closely and cross out anything that you do not want the long-term disability carrier to get.

Comments (95)

  • Ada: Carriers are entitle to record they feel are relevant to the disability claim. You can certainly try having your providers submit a summary first to see if that satisfies them. If they continue to push for the full records I suggest you contact our office and speak with one of the attorneys to discuss in more detail your circumstances and your options.

    Jay Symonds Jul 22, 2022  #95

  • Private, expensive disability policy since 2016. Now disabled as of 2022 of long covid. Symptoms started with Feb 2020 covid illness that was misdiagnosed, not properly treated. Condition worsened but continued working until the tremors and brain fog were so bad, it became impossible. Policy has a mental health exclusion rider. Docs (there are quite a few) confirm long covid with brain fog and Itreating it now for several months. However, because psyche therapists were involved last year (before the time period of the disability claim) treating for prior PTSD/Anxiety and depression (certainly being so ill is depressing), the insurance company Metlife is demanding therapy notes. I suspect that is overreacting and if the docs are willing to provide the SSDI type summary of treatment including diagnosis, results of tests, frequency of visits, the private therapist notes are not something they can insist on getting.

    Ada Jul 21, 2022  #94

  • Deneen, I’m sorry you are having such difficulty with your treating doctor. I would keep trying to contact him, possible send a certified letter. I would ask Metlife for an extension due to your inability to get hold of your doctor. Also you can ask them if a buy out is possible.

    Rachel Alters Aug 7, 2021  #93

  • I need help so badly. I am really sinking into a dark place over all of this LTD stuff w MetLife.
    I have been on SSDI for 2 years. I did not win back pay, I had to start my claim all over again, it wasn’t that important. Well I somehow got messed up and MetLife paid me what I gather was 3 months extra while I got SSDI. My son was in charge of my financials and said it was just a mix up because when they pay and what month it covers and same w SSDI. I also had to pay my attorney $1800, so some of the “overpayment” went for something.

    That back story is so you can understand they BS I have had to go thru. MetLife will pay me $202 a month for every month until December 2030. Because I owed them money, metlife has been getting paid back with the $202 I will get once paid should be sending me. The biggest issue is they tacked on the attorney’s fees and even with proof, refused to remove it from the total amount owed. They insisted on having a letter go from the SSA approving the $1800. It took SSA over a year but MetLife got their letter. Having them give me the balance without the $1800 was so hard. They finally did. The balance will be paid off son.
    I’m sure you hear nightmare stories about MetLife often but at this point, I’m not sure who is causing this issue. MetLife has the right to reevaluate my case and they do once a year. I have schizoaffective bipolar. I’ve been sick most of my life but worked most of my life as well. Moot point.

    MetLife sent forms in April. They are for me to fill out and my doctor has to either fill out forms or he can send the most recent office notes from my last 3 visits. I did mine, I filled mine in snf

    My psychiatrist, of over 6 years, is familiar w this process and has given me no issue. The deadline was mid April.

    MetLife contacted me 2 weeks ago by phone to let me know they had nothing from my psychiatrist and it was my responsibility to get that information. They also made an odd comment…we do not send the request directly to the psychiatrist, only to me. It was only odd because they have sent many things to my psychiatrist in the past. I told them okay, I’ll call him. I thought he did it. I Signed HIS release form.

    I have contacted my psychiatrist by phone only able to leave a meessage with his administrative assistant. I’ve sent 4 emails messeges sent thru his patient portal
    But no response. He has no building because left the practice he was with just one employee and opened his own practice. I have since gotten a letter from MetLife telling me I have until aug 21. On that letter it says if there are issues obtaining the information from my provider due to COVID, let them know.

    I know what kind of attorney you guys are. I’ve watched you on YouTube. Y’all are so smart and I am in a state of panic, the anxiety is wearing me down, I obviously have ADHD, the blah blah blah of my plea for help. My doctor has just stopped being my doctor. I mean I haven’t seen him in over a year, he does phone appointments and I have waited until the following day the last two times for him to call. 36 hours after my scheduled time. Then he just cuts me off.

    How could he possibly have office or treatment notes about those kind of appointments. MetLife will cancel my claim. And when they do, I have no way to get it back.

    My therapist is too new to help me but she said she would get me another psychiatrist but it doesn’t solve the issue. MetLife wants my current doctor to fill out forms or send notes.
    He doesn’t even seem to know who I am.

    Is there a way that I can get MetLife off of me.

    I had so hoped that the him having his own practice would make him easier. Less BS and more personal care.

    I’m being neglected by my doctor and that is right up there with neglect by a friend No response at all means he doesn’t care. MetLife doesn’t care. I’m going to lose. I fought from October 2015 for SSDI. The first attorney was with the biggest injury law firm in the country-they may do injury but SSDI. That man met me once for 20 minutes. My psychiatrist had put me on lithium and I was not well. I was confused. He knew I wasn’t well. The ALJ knew it. That hearing was a joke.

    I’m going to now lose a small fraction of money because no one cares. Why couldnt MetLife just offer a buyout. I would’ve taken next to nothing to never have to deal w them again.

    Help me.

    Deneen Aug 7, 2021  #92

  • Kat: The carrier is entitled to request any information/documentation they believe is reasonably necessary to make a determination on your claim. In many cases the Authorization they request is overly broad and intended to cover any scenario that may come up during the claims process, regardless of how unlikely. That said, even if you request the records to submit yourself you cannot redact, edit or change the information in the notes. I suggest you contact our office and speak with one of the attorneys to discuss the specific questions you have and your options moving forward.

    Jay Symonds Jul 24, 2020  #91

  • I filed a short term disability claim with an insurance company. They initially took my application over the telephone after I had asked for the paper form. They said it was much faster. After that, several representatives contacting me asking about my disability symptoms and other intrusive questions. They asked me for my employer contact and doctors information, so they could contact them. After receiving my first payment, another representative contacted me asking for me to complete a medical release form and an additional form that was contained in the initial claim forms. I expressed concern with the information that I would be releasing in the medical release. The rep told me I could retrieve the information from the doctor myself. She sent me an initial claim form stating that they needed information from the beginning of the claim until present regarding my disability. I thought the form had replaced the medical release request. Today, I was told that the release is needed in addition to the claim form. My doctor is a psychologist I am not comfortable disclosing any private information that my medical records may pertain. Is there any way around this? I live in California.

    Kat Jul 24, 2020  #90

  • Elizabeth, you may be able to limit what information is available to the insurance company as their request must be with regards to your claim and reasonable. However, without more information regarding your claim, there is no way we an advise you on what you can and are able to limit with regards to your claim. Please keep in mind that any potential limitation you attempt to impose on the authorization should not have any bearing on their ability to investigate your claim to determine whether you are disabled or whether your claim is a pre-existing condition. We need to know more about your claim. Please feel free to contact us for a free consultation so we can learn more about your pending claim.

    Alex Palamara Apr 26, 2020  #89

  • Can I stipulate the start and end period that they can request Medical records? ie I went on STD 10/22/19 thru present & What else can I limit? And do I attach a separate sheet of paper making the authorization conditional?

    Elizabeth P. Apr 26, 2020  #88

  • Nancy: Prudential can request any information or documentation it feels is reasonably necessary to review the claim and make a determination on benefits. You do, however, have some options as it relates to the authorization such as requesting specific authorizations with the name of the recipient (e.g., doctor, medical facility, imaging facility) already filled in on the form so it can be used solely to obtain records from that recipient or you can strike through and initial items you believe to be outside the scope of your particular claim – this is a little more tricky as what the carrier believes is relevant may not match you think is relevant – such as tax records or bank records. I suggest you contact our office and speak with one of the attorneys to address any specific questions you may have.

    Jay Symonds Mar 18, 2020  #87

  • Prudential Insurance Company of America is conducting a routine review of my Long Term Disability claim. Prudential states that I MUST sign their Authorization for Release of Information – if I do not sign they say they can refuse to review my claim and refuse to make benefit payments. The Authorization is extremely global in saying what info it wants (any and all records, the entire medical record, all information and documents) and who it wants it from (any and all physicians, institutions, agencies, clearinghouses, data warehouses…). I do not want to sign and agree to such global requests form anyone Prudential can think of. Do I legally have to sign? Can Prudential legally deny payment of benefits if I do not sign?

    Nancy Mar 18, 2020  #86

  • Nicole, if you signed a Hippa release with the insurance carrier they are able to obtain your medical records and speak to your physician.

    Rachel Alters Feb 3, 2020  #85

  • Can my doctor discuss my medical case with my disability company without an authorization of medical release form?

    Nicole Feb 3, 2020  #84

  • Victoria, you ask several relevant questions. One thing that jumps to mind is that because this is a private, individual policy and “new” coverage and appears to be within the initial two-year contestable period they may be doing a contestability investigation to see if full disclosures were made during the application process. I suggest you contact our office and speak with one of the attorneys to address the specific questions you have regarding your situation.

    Jay Symonds Aug 25, 2019  #83

  • In regards to longterm disability insurance claim: I purchased a private disability insurance coverage seceral months ago. I was involved in an accident recently leaving me severely injured/disabled. My doctor provided a thorough summary of my condition along with completing the insurance claim for required for doctor to complete. The insurance carrier is requesting all my previous medical records specically from my doctor along with requiring medical/financial/employment/etc. authorization releases to be signed by me.

    Do I have to sign this authorization form? If so, can I cross out everything not telated to my injury?

    If my doctor provides a thorough summary of my treatment for my injury, diagnosis, expected duration of my disability, and medical history stating my medical history is not related to my current injury claim– is that not sufficient enough for the insurance carrier or could they still deny my disability claim?

    Is there a timeframe the insurance carrier must give approval or denial after initial claim is filed?

    Victoria Aug 25, 2019  #82

  • Robert, we would like to view the document that the insurance company has sent you and we would like to speak with you to get more back ground. Please call in for a free consultation. We look forward to speaking with you.

    Alex Palamara Feb 2, 2019  #81

  • What does this mean? “A written revocation is not effective with respect to actions a covered entity took in reliance on a valid Authorization, or where the Authorization was obtained as a condition of obtaining insurance coverage and other law provides the insurer with the right to contest a claim under the policy or the policy itself.”

    Robert Feb 1, 2019  #80

  • Robert, I would write a letter to the carrier revoking your HIPPA. Send a copy of the HIPPA with the revocation. The Privacy Rule gives individuals the right to revoke, at any time. The revocation must be in writing, and is not effective until the insurance carrier receives it. A written revocation is not effective with respect to actions a covered entity took in reliance on a valid Authorization, or where the Authorization was obtained as a condition of obtaining insurance coverage and other law provides the insurer with the right to contest a claim under the policy or the policy itself.

    Rachel Alters Jan 29, 2019  #79

  • Hi DIA attorney,

    Am I able to revoke authorizations to short and long term disability companies once my benefits expire (expired meaning I received maximum length of benefits according to the plan)?

    I want to revoke any authorizations I signed for short & long term disability providers, once my benefits expire & they are no longer paying me. It allows them to access all types of information about me: medical, financial, employment, credit, government, the list is extensive.

    (1) Can I do this? I am confused on whether a revocation in writing would even be valid after reading this on HHS.gov. It says a written revocation is not valid from “covered entities” which appears to include insurance companies. https://www.hhs.gov/hipaa/for-professionals/faq/474/can-an-individual-revoke-his-or-her-authorization/index.html.

    (2) if a written revocation is valid when sent to STD and LTD insurers, what is important to include in the letter? I don’t have copies of all the authorizations I signed. Can I just say “I hereby revoke all and any authorizations and releases I’ve signed for x?”

    (3) Can I revoke as soon as I receive my last payment from the insurer, or do I have to wait until the end of that month since technically the last payment I receive gives me coverage through the end of that final month?

    Here is what the one authorization I found said:
    “This authorization shall expire one hundred and twenty (120) days after the date appearing below or one hundred and twenty (120) days after my final treatment, whichever is later, unless law requires a shorter period. If I change my mind before that time, I can tell my Record Holder in writing that I do not want them to share any more information. If I tell them in writing to stop sharing information, it will not change any actions they took before I told them. ”

    Regarding the wording on the authorization… First of all, the authorization expiring 120 days after my final treatment could go on for years or lifetime, since my benefits/payments expired but my condition is not better. Hence me feeling the need to officially revoke. Second, upon first reading you would think the “record holder” is the insurance company who I signed the waiver for and I can easily revoke in writing. On the contrary, the “record holder” is considered anyone who has my information such as medical providers, holders of my financial/employment/government/credit records, etc. and is not referring to the insurance company themselves; the insurance company is called the “benefits manager” on the authorization.

    So the wording on this authorization basically does not give the option to revoke the authorization directly to the insurance company “benefits manager” I signed it for, it seems to be telling me I have to go to every and any source of who could have any type of record on me the insurer could possibly obtain, and ask them not to keep sharing my information.

    Suggestions how to properly and completely revoke their access?

    Robert M. Jan 28, 2019  #78

  • Maria, your carrier could use the fact they do not have a valid authorization as a stepping stone to a claim denial as they will certainly argue that their inability to obtain information impacts their ability to evaluate your claim. There is a definitive risk/reward to not returning the authorization. If you provide all requested information then it may not ultimately be an issue, but I would not definitely be able to say you shouldn’t have anything to worry about if you don’t. Please feel free to contact our office if you would like to discuss the language of the authorization.

    Stephen Jessup Oct 8, 2018  #77

  • I was on std for breast cancer which went into ltd. I got a request form a authorization to obtain information. They stated the other one expired. Do I have to sign this form? Its asking too much. I’m 60 and applied for ssd which I might get because they found another mass. Second can they stop my Ltd if I don’t sign?

    Maria J. Oct 7, 2018  #76

  • Christen, you should review your policy to see what you are required to provide Liberty to evaluate your claim. If you restrict too much then they could deny your claim. They are likely asking about your children to determine possible offsets that could limit Liberty’s liability under the policy. If you receive SSDI benefits, which would be an offset to your Liberty disability benefit then you will also receive SSDI benefits for any dependent children which are usually also offsets.

    Victor Pena Aug 21, 2018  #75

  • Liberty Mutual is asking for me to sign a release for everything you described. Im in Pennsylvania. Will they deny me if I cross out the personal information I dont want released that has nothing to do with my claim? They also want to know about family members meaning my underage children. They recieve survivors benefits. Why do I need to disclose that?

    Christen Aug 20, 2018  #74

  • Diane, I am sorry to hear of the issues you are having with Cigna. With all the continuing issues that you are having, one would hope that they would not deny your claim. But we are talking about an insurance company. That being said, please call me at your convenience. We can discuss your claim and set up a plan of action to keep Cigna from denying your claim.

    Alex Palamara Jul 10, 2018  #73

  • I’m 18 months into a Cigna Long Term Disability claim and just received a letter that included a Consent of Release of Information for Social Security form asking for all of my Social Security files, a very broad brush Disclosure Authorization basically asking that I disclose everything about my life that’s good for 24 months after the date it’s signed and also Disability Questionnaire & Activities of Daily Living. I feel that they should only have access to my medical information. I’ve been approved and am receiving SSDI since 1/2017. I don’t feel that I should have to sign releases for anything outside of my medical information. This is the charming last paragraph of the Disclosure Authorization.

    I understand that I do not have to give this Authorization. If I choose not to give the Authorization – or if I later revoke – I understand that the Plan, insurers, or other providers of services or benefits related to the Plan who rely on this authorization may not be able to evaluate or administer my request for Plan benefits, coverage or services and that my request for Plan benefits, coverage or services may be denied as a result. I may revoke this authorization by sending written notice to the Claim Manager handling my claim.

    It sounds like they’re trying to do anything they can to deny my claim and have stated that if after January 2019, the definition of Disability will change, and that they have begun to review to determine if you will remain eligible for benefits beyond that time.

    After Disability Benefits have been payable for 24 months, the Employee is considered Disabled if, solely due to Injury or Sickness, he or she is:

    1. unable to perform the material duties of any occupation for which he or she is, or may reasonably become, qualified based on education, training or experience; and

    2. unable to earn 80% or more of his or her Indexed Earnings.

    I have a high school education and had a job making a base rate of $70,000 yearly per the companies policy with Cigna. I’ll be 60 this year. I guess that means that I would have to have a job making more than $56,000 a year.

    I’ve been unable to work since July of 2016 and have had numerous surgeries with more in my near future.

    I’ve got an up coming surgery planned in September/October and another one or more in the future after that one. Will they be able to withhold my LTD payments if I have continuing medical problems and an unknown medical future? And information would be appreciated!

    Diane Jul 9, 2018  #72

  • Karen,

    She should contact Liberty and ask them if she can revise the form. She can cross off the information she does not want them to have access to.

    Rachel Alters May 4, 2018  #71

  • My niece just signed a “Liberty Mutual Authorization to Release Information” form and now regrets it as it gives permission to acquire all kinds of personal information… all past medical records, tax info, credit reports, etc. She is only going on maternity leave. Is it too late to ask for this form back and tell them she’s changed her mind? Can she make provisions to the form now that it’s signed or is it too late? Can her employer ever get a copy of her medical records now that she signed this? This is her main worry.

    Karen May 3, 2018  #70

  • I am in a civil lawsuit wherein I was sexually assaulted. I suffered an accident due fainting, panic, and depression related to this incident. I was dx’ed with PTSD and in treatment for years due to childhood sexual abuse and subsequent sexual assault in the workplace. The opposing lawyers wants me to revoke my HIPPA rights by signing a written authorization. My doctors will provide information, but not my progress/psychotherapy notes. I don’t agree with the release they have sent me to sign. Will I be forced to sign this authorization and if I do not is there any legal recourse for them taking any action against me? Thank you!

    Janliza Mar 27, 2018  #69

  • Jenny, they can request the psychological treatment notes, but I think it is imperative to get them all of your updated medical records with respect to your physical conditions. If you are more comfortable, you can request your therapist provide summaries of the treatment as opposed to the session notes.

    Stephen Jessup May 30, 2017  #68

  • I have been on disability since 2012. I have had little to no trouble with The Hartford until now. They have sent very aggressive PI’s to watch me, one ran me off the road when I tried to ask him why he is watching me! I am a survivor of domestic abuse and still have trouble with my ex. I believed at first that it was my ex following me- so I was evasive and tried to get away from the PI (my ex’s mother owns a PI firm, so he has disposable resources) My ex is a narcasistic sociopath, and even tho we were divorced in 2003, he had me and my new husband followed last year to intimidate us when I filed for back child support. I just assumed it was him at it again but there have been no court notions and I think its been the Hartford this time. They asked for my psychiatric records for past 1.5 years.

    My claim is medical – I was a critical care nurse and have failed back surgery syndrome with permanent nerve damage and permanent deficits (my doctor showed me the form he sent to them because he is sick of having to write the same things over and over to them). I am in pain constantly. Because of all the pain meds, I fall asleep often. The last IME they sent me to said that I could work for 2 hours if I had a 30 minute break, which is ridiculous. I have a new problem in my thoracic and cervical spine now and am waiting for a neurosurgeon appointment since my left side is weak and I am numb from my left side of my back down my arm and into my hand.

    They just sent a PI (former cop) for the home visit- he had to walk up my wheelchair ramp and saw the chair that lifts me up, the bars in the bathroom, my braces and arm crutches. I owed Hartford money and they will have to start paying me again in 2 months which is why they are probably doing this now. They want the psychiatrists records. I have a problem with this – she will send them her notes but called me first to clear it with me. I am going to read them myself this week before deciding.

    Are they privy to her notes because she is a medical doctor and NOT a therapist? Should I ask for a summary? Thank you!

    Jenny May 28, 2017  #67

  • Brandi, if your claim ended there is likely no chance your insurance carrier would take any additional action on your claim unless you are in the administrative appeal process. When you say stopped receiving benefits do you mean your claim was denied/terminated or that you went back to work and stopped receiving them?

    Stephen Jessup Apr 19, 2017  #66

  • I stopped receiving Ltd benefits through my employer in January of this year. I previously signed the form that allows them access to my financial information. Does the access stop once the claim is stopped? Will they have access to my tax return filed in 2017 for income in 2016 or other financials while receiving benifits now that it’s closed?

    Brandi Apr 18, 2017  #65

  • Kay, it is not unusual for a third party administrator to request detailed medical information. Have you discussed with them that it has nothing to do with anything except your rotator cuff?

    Stephen Jessup Mar 14, 2017  #64

  • I am going to have surgery for a tear in my rotator cuff. When I called to find out about my FMLA and STD, Hewitt(the benefits administrators for my STD) said they will need to know ALLof my medications and medical conditions. My STD will be strictly because of the shoulder surgury. Can they legally require info regarding unrelated conditions and medications?

    Kay Mar 12, 2017  #63

  • Jason, if your claim is based on Anxiety, then Aetna would need to see your records to verify if you are disabled on account of same. If they do not have access to your treatment notes then they will likely deny your claim for a lack of medical evidence. Please feel free to contact our office should you have any additional questions.

    Stephen Jessup Jan 10, 2017  #62

  • I have been asked by Aenta to sign authorization for all the psychologist//therapist notes. Is it ok to write on the form DO NOT AGREE and send it back to them? Will they be able to close down the claim? I was in a car accident involving a pedestrian and it wasn’t my fault. She was standing on a highway at 4:30 A.M. and the street lamps were not lighted. I’m in treatment and have been diagnosed with Anxiety, I’m also on prescription sleep aids and anxiety medication.

    Jason Jan 10, 2017  #61

  • Delores, yes, they can inquire about the doctors you treat with while on disability.

    Stephen Jessup Dec 30, 2016  #60

  • I have DJD with neuropathies. I have been disabled since 2011. I receive SSD and long term disability. Due to the stress of my condition and the inability to work , my Dr. Sent me to see a psychotherapist. Can the disability company ask for my psychotherapy notes?

    Delores Dec 29, 2016  #59

  • Johnny, you would not be committing any fraud by applying for the LTD. If you do not need the LTD benefit then the claim will simply close. However, if you are unexpectedly out longer than anticipated it would be wise to have that claim already started.

    Stephen Jessup Dec 13, 2016  #58

  • I have been on STD for almost the full amount of our contract. At first I was not sure I would be able to return, and asked for the LTD paperwork. They sent it and I filled it out, but never sent it in. Through exercise and physical therapy I began to feel much better. It now looks as though I wii be in great shape in time to return to work in time. I told Cigna as well as our HR department, medical department and my supervisor that I believe I will be back before I will need LTD. Cigna asked only for my Drivers License and or Birth Certificate and a signed release of information form. They said I don’t even have to fill out a LTD application. That. I would be evaluated for LTD by one of the managers in the LTD Dept, and that this would initiate my LTD Claim?!? Our HR dept Rep insists that I may need to and vehemently urges me to apply. Would I not be committing insurance fraud if I apply for LTD, if I do not feel I am in actuality going to be disabled for Long Term? Why the big push to get this authorization form?

    Johnny Dec 10, 2016  #57

  • Joe, you can certainly request copies from the insurance carrier.

    Stephen Jessup Oct 13, 2016  #56

  • I receive disability benefit from a personal disability policy I had when i was hurt. I am trying to obtain medical records from prior operations I had 10-12 years ago. Several of my prior doctors have destroyed those records. Can i request this information from my disability insurance company since they collected this records to make decision on my claim.

    Joe Oct 4, 2016  #55

  • Joy, we have redacted portions of authorizations for clients that had no bearing on a claim for benefits and advised the carrier that we would be willing to consider providing information based on specific request. That being said, the carrier is certainly within its legal rights to draft the authorization as they have. The most important information to be provided to is the medical information and information ancillary to same, that establishes ongoing disability for purposes of the waiver of premium benefit.

    Stephen Jessup Aug 16, 2016  #54

  • My husband has been disabled since 2003. His life insurance policy contained a clause indicating his premiums would be waived upon verification of disability. Every couple years the insurance company sends forms for his doctor to complete updating his condition. This year I noticed a Compliant Authorization-Insurance Claims. Authorization for Release of Information which includes permission to review any & all financial information as well as criminal background. This information has absolutely nothing to do with waiver of his life insurance premiums, plus allowing them to review financial records awards them access to my financial information. He spoke with an insurance representative that indicated he could not alter anything on the form. I understand they have the right to his medical & employment records, but can they legally require permission to check non related information? Can they refuse to continue to waive the premiums? I’ve read the policy & found nothing that indicates this is required. Thank you for your help.

    Joy S. Aug 15, 2016  #53

  • Joao, you can certainly get your own records to be submitted to RSL as part of your appeal.

    Stephen Jessup Jul 19, 2016  #52

  • After trying to get an attorney to appeal for on my behalf against reliance, and since I was told to do it myself, can I get the medical records instead of the insurance, I don’t like the form that they ask me to sign, I’m waiting for there response, I left them a message that I already have medical records ready to be sent to them. I want to have control of the documents they are asking for. Is this ok for me to do it.

    Joao V. Jul 15, 2016  #51

  • Carrie,if you don’t have psychiatric treatment or notes I don’t see how they could reasonably deny your claim for failure to sign the authorization.

    Stephen Jessup Apr 19, 2016  #50

  • Bill, we would not be able to advise you as to any potential ramifications this may have with your employer. You would need to consult with an employment attorney.

    Stephen Jessup Apr 19, 2016  #49

  • If you are not being treated for any kind of psychological issues can you be forced to sign an authorization form for psychotherapy notes? My health issues are all medical. Can they deny your appeal even if you have no psych issues / aren’t being treated for any… if you don’t sign the authorization for psych notes?

    Carrie Apr 18, 2016  #48

  • I filed a short term disability. I was in a car accident that wasn’t my fault. I have in my medical records previous drug abuse that my employer doesn’t no about. If I sign an authorized release form to the insurance co could my employer fire me?

    Bill Apr 17, 2016  #47

  • Pam, you can ask your therapist to write a summary of the notes. If you do not supply any “proof of loss” (as in notes and documentation of disability) then the carrier can very well terminate your claim due to lack of information.

    Stephen Jessup Mar 8, 2016  #46

  • I am on long term disability and suffer from PTSD the insurance company is asking for my therapist notes for when im in session. I am not comfortable giving them tjis information. Can the3cut off5my benefits for me not wanting to provide that information. Isn’t that a HIPPA violation.

    Pam Mar 4, 2016  #45

  • Tony,

    They shouldn’t be able to secure the information- but that doesn’t mean that a doctor’s office wouldn’t accidentally send the records if requested. You may also want to contact your treatment providers to advise them not to send records to the carrier without your authorization.

    Stephen Jessup Dec 4, 2015  #44

  • I am on LTD. I did not sign authorizations to allow the company collect my medical or other data. The previous one expired about a year ago. Can the insurance company collect the information without my authorization?

    Tony s Dec 3, 2015  #43

  • Jami,

    You are free to limit the authority of the authorization to obtain information.

    Stephen Jessup Nov 24, 2015  #42

  • Aetna want me to give them the right to credit, work, education and all kinds of information that has nothing to do with this claim, what should I do? I feel my civil rights are being violated for grocery money. Please help.

    Jami Nov 24, 2015  #41

  • Dwayne,

    Typically an authorization is provided with initial claim forms. Additionally, please be advised that under the law it is ultimately your duty to provide the carrier with medical proof of disability (your records). I would strongly recommend you contact your claims person for an update and to find out what information may still be outstanding.

    Stephen Jessup Sep 28, 2015  #40

  • I am 25 days into the 45 days that LTD Insurance Company has to inform me of their decision to restore my benefits. What’s puzzling to me is that they have requested an “Authorization to Obtain Information” (Medical records and other Information). Don’t they already have this information about me; and if so, why are they requesting it again?

    Dwayne H. Sep 27, 2015  #39

  • Eric,

    Unfortunately, in the context of a medical insurance related claim I am not sure what the ultimate outcome could be if you refuse to sign. There does stand a chance your insurance company could attempt to avoid to cover the cost of treatment. It may be worth a call to your carrier to find out.

    Stephen Jessup Aug 28, 2015  #38

  • Stephen,

    not for disability claim just to cover my doctor visit. They did only x-ray and may be therapy in the future.

    Eric Mandoza Aug 27, 2015  #37

  • Eric,

    Is this request related to a disability insurance policy/claim?

    Stephen Jessup Aug 26, 2015  #36

  • The insurance company that is dealing with my doc visit for my wrist problem want me to sign a form that will authorize them for access to medical records. What happens if I refuse to sign? They want me to list the name of the providers that I have seen in the past 10 years.

    Eric Mandoza Aug 25, 2015  #35

  • Anneliese,

    You do not have to sign a release for psychiatric records if it does not relate to your claim.

    Stephen Jessup Jul 30, 2015  #34

  • Has ths law makers changed HIPPA Law?? It seems they have.. I am on short term disability for a broken foot. Liberty Mutual is asking for medical release of Psychiatric Records. Pretty sure my broken foot is not all in my head.

    thanks, Anneliese

    Anneliese Jul 29, 2015  #33

  • Rebecca,

    Typically private policies are own occupation in nature, but it appears from what you’re indicating that yours has an occupation definition switch. If so, the information in the SSDI claim file could be helpful to your claim. Please feel free to contact our office should you have any questions.

    Stephen Jessup Apr 19, 2015  #32

  • I receive benefits from my Group LTD plan as well as a private LTD policy I purchased. I was awarded SSD benefits (group LTD plan provided a company that filed the claim on my behalf). My group LTD benefit is now off-set by the SSD benefit. However, now my private LTD carrier has asked I sign a release so they can obtain a copy of my SS claim file. As there is no off-set provision in the private policy, I don’t know why they want this information.

    Their letter states “In order to determine the effect your award of Social Security disability benefits may have on your claim, we need your authorization to obtain a copy of your Social Security claim. If you do not provide us with your signed authorization to obtain a copy of your Social Security claim file, we cannot apply significant weight to the Social Security decision. However, we will consider the facts available to us at the time of our decision regarding your Social Security award”.

    Should I sign the release allowing them to receive a copy of my SS claim file? I already provided a copy of the SS award letter. I believe SSD is awarded only if you are unable to do any job whereas my private policy provides benefits for 12 months for “your job”. Following the first 12 months they will only provide benefits if I am unable to do any job. So, is it likely that providing them with a copy of my SS claim file could only help me rather than hurt me with regard to my future benefits? I have received benefits for 9 months to date so am still in the “your job” phase.

    Rebecca Apr 18, 2015  #31

  • Samantha,

    It is certainly your prerogative not to sign the Authorization. You can certainly advise them as to your concerns and notify them that you are more than willing to provide any and all information requested as it relates to SSDI.

    Stephen Jessup Mar 10, 2015  #30

  • I’ve been asked to give my LTD carrier full authorization to interact with SS regarding my SSDI claim which isn’t due for any review for at least 2 years due to my disability. They already have all the documentation and judge’s decision from my recent hearing where I was given a fully favorable result, the best result.

    I’m very uncomfortable giving anyone carte blanche access to my SS file, especially given the ambiguous writing in their privacy policy. My LTD policy only states they may ask for documentation from SSDI,IRS etc to be sent when requested from me, the only clear authorization is for medical disclosure which they already have.

    I’m concerned because my ex wife made a claim (without my knowing as we haven’t talked in a long time) on her own for my child who she has full custody of and lives with in a different state, and that my LTD carrier will try to get details of this claim from SS. SS have told me since I didn’t make the claim I can’t get any information on what my ex wife gets due to my disability and it’s against the law for me to access anther persons SS claim (even if it’s linked to my file for disability), but I’m not sure if the carrier can access more info than the SS department is willing to share with me? I would hope that my carrier will be told the same thing I was told, that there is a claim but no details can be shared whatsoever?

    I would prefer not to sign this authorization especially when the policy doesn’t state I have to.

    Samantha Mar 9, 2015  #29

  • Carol,

    Both forms are common practice for disability carriers. If your SSA file contains helpful information in support of disability then it would be to your benefit to provide the contents of same or allow Unum to obtain. With respect to the second release – the language used is standard.

    Stephen Jessup Feb 24, 2015  #28

  • I received a SSA-3288 form from my Long term disability Company that they want me to sign wanting all my records from Social Security including complete medical records, denial letters, diagnostic testing an SS consultation exams, my question is do I have to sign this form giving them that information? I am awaiting a hearing date which I am is in the works. I know and understand if I receive SSD I will have to give the long term disability company that money but not sure if I should sign these forms so they have the right to my file.

    One more thing I just thought about, my long term disability company is wanting me to sign a Medical release for HIV results, Alcohol and/or drug abuse treatment and Psychiatric records which I don’t have any of these problems and there are no records. I am on long term disability for complications following back surgery including severe back, shoulder, neck, and arm pain and headaches. I do see a therapist because of the pain issues but this is not the reason I am on LTD. Should I sign these authorization requests?

    Thank you.

    Carol Feb 23, 2015  #27

  • Carol,

    I would most certainly not hang your hat on that. If you do not provide sufficient evidence of disability Cigna will more than likely deny your benefit for not having evidence of a disabling condition. Many psychiatrists/psychologists will not release session notes, but will usually provide summaries and opinions.

    Stephen Jessup Dec 14, 2014  #26

  • My psychiatrist shared the following with me.

    Psychotherapy notes: Insurance companies cannot require your authorization as a condition of coverage nor penalize you in any way for your refusal to provide it. It’s a statement they put on the privacy notice.

    So, my question is, where does this statement come from in law and can I hang my hat on it and tell CIGNA they cannot deny my LTD claim because I refuse to give them access to my psychotherapy notes?

    I think your answer to this question will help a lot of people who are frightened to death about this. Thanks.

    Carol Needs Help Dec 13, 2014  #25

  • Yelena,

    You will need to review the form you signed to see what the rights of revocation are. You can also contact the carrier in writing advising them you wish to revoke portions of the authorisation.

    Stephen Jessup Dec 2, 2014  #24

  • I have been on LTD (after a car accident) since Aug 2014. I signed two authorization forms that were part of the initial claim package: medical records authorization and “Financial”. This financial form included my credit history, any financial institution and tax info, Working Comp, former employers and education details. Now I understand that I gave them too much of authority. Can I revoke some items from the previously signed “financial” form? Thank you sooo much for helping us!

    Yelena Dec 1, 2014  #23

  • Carol,

    I am not familiar with the form you reference by the number alone. It is not uncommon for an insurance carrier to seek authorization to obtain information from the SSA as it relates to a claim for disability. If the information in the SSA file is helpful to your ongoing claim for benefits with Unimerica, then it may be in your best interest to make sure they have the information.

    Stephen Jessup Nov 12, 2014  #22

  • I am going on 2 years of receiving long term disability from my insurance company Unimerica. I have just received a form OMB NO 0960-0566 which they are wanting me to sign to give authorization to SS for any SS Consult exams. Should I sign this?

    Carol Nov 11, 2014  #21

  • Sarah,

    Ultimately, an insurance company can chose to provide or deny coverage based on its evaluation of forms and applications. Failure to comply with requested information could result in the company denying to provide you coverage. I would discuss your concerns with your HR department.

    Stephen Jessup Oct 2, 2014  #20

  • My workplace insurance just changed companies. The new form included the paragraph below, which I was uncomfortable with and crossed out before signing my name to the overall form and handing it in. Two months later, the insurance company is now strongly implying that they will deny me coverage if I don’t sign a clean form (they have already paid some claims). They claim that without this paragraph, they cannot use the clearinghouses to process my medical claims. I was under the impression that HIPPA already allowed release of the forms as necessary to process claims, and explicit permission from the patient was not required to perform these tasks.

    I submitted an addendum that looks very like the paragraph below but with the phrase “as required to process current medical claims” in a couple places, and this change near the end: “I understand that information I authorize a person or entity to obtain and use, **beyond the need to process my claims and other uses expressly permitted by HIPPA,** may be re-disclosed and no longer protected by federal privacy regulations.” The insurance company will not accept my addendum in place of the original wording.

    Two questions:

    1) Do insurance companies require this explicit permission from me to perform their job of filling my claims; and

    2) Is it legal for them to deny me coverage if I do not sign off on the statement below?


    I authorize *** Insurance Company and its affiliates (“***”) to obtain, use and disclose my current medical, claim, or benefit records, including any individually identifiable health information contained in these records. I understand these records may contain information created by other persons or entities (including health care providers) as well as information regarding the use of drug, alcohol, HIV/AIDS, mental health (other than psychotherapy notes), sexually transmitted disease and reproductive health services. I authorize any health care provider, pharmacy benefit manager, other insurer or reinsurer, hospital, clinic, or other medical facility, health care clearinghouse, and any of their affiliates, representatives, or business associates, to disclose my information to ***. I understand the purpose of the disclosure and use of my information is to allow *** to make decisions regarding eligibility, enrollment, underwriting and premium risk rating. I understand this authorization is voluntary and I may refuse to sign the authorization. My refusal may, however, affect my ability to enroll in the health plan or receive benefits, if permitted by law. I understand I may revoke this authorisation at any time by notifying my *** representative in writing, except to the extent that action has already been taken in reliance on this authorization. As required by HIPPA, *** also request that I acknowledge the following, which I do: I understand that information I authorize a person or entity to obtain and use may be re-disclosed and no longer protected by federal privacy regulations. This authorization, unless revoked earlier, expires 30 months after the date it is signed.

    Sarah Oct 1, 2014  #19

  • Lucille,

    Unfortunately, I will not be able to give you any guidance as it relates to your employment action. You will need to discuss your concerns with your attorneys so they can best advise you of your rights.

    Stephen Jessup Sep 29, 2014  #18

  • I am a month away from a (deposition) wrongful termination, discrimination case with former employer. Their attorneys have requested medical history for last 10 years, tax documents, (last year) employment history. And it also states history of HIV, mental health, alcohol and drug use may not be kept private. I don’t understand what having disclosed has to do with my case. And if I refuse to agree to release personal info. Because I feel this has nothing to do with what was done to me. This in fact has overwhelmed me! And has added on to my stress and humiliation! Do I have to sign and release these forms? Don’t know what to do. I feel so violated! I am so angry! It is such an invasion of privacy by a company that allowed all the wrong doings to happen to me in the 1st place. Now I’m to place my entire life history in their hand. It is not right!

    Lucille Gilmore Sep 28, 2014  #17

  • Jason,

    If your claim for benefits is based on a mental health condition, then it is completely reasonable for them to request your mental health records to determine eligibility under the policy.

    Stephen Jessup Jul 23, 2014  #16

  • I have a private short and long term disability insurance with Liberty mutual and I live in California. I am in a chemical dependency program for mental health issues. Is it legal for them to ask for my medical records with mental health concerns?

    Jason Jul 22, 2014  #15

  • Mark,

    Provision 2 would relate in most cases to Prudential sending medical information to a reviewing doctor they hire to examine your claim. However, the authorizations are generally very ambiguous and broad in scope so no one can say with certainty who they will disclose information to.

    Stephen Jessup May 9, 2014  #14

  • I am applying for LTD though my employer’s Group Disability Plan from Prudential. The Authorization for Release of Information Form states it is intended to comply with the HIPPA Privacy Rule. Without typing the whole Authorization, here are a few of the excerpts:

    1) I authorize any insurance company, employer, the Social Security Administration, or other person or institutions to provide any information, data, or records relating to my Social Security, Worker’s Compensation, credit, financial, earnings, activities, or employment history to Prudential.

    2) I understand that any information that is disclosed pursuant to this authorization may be re-disclosed and will no longer be protected by the HIPPA Privacy Rule governing privacy and confidentiality of health information.

    When contacting Prudential concerning Item 2, they stated that disability was not covered under the HIPPA Privacy Rule and they don’t release information.

    Is release of information for LTD disability covered under the HIPPA Privacy Rule? Also, how do you believe Prudential will use Item 2? It appears they could release any of my information to anyone? As I said before, this is not the entire release as it also contains…

    3) This includes information on the diagnosis or treatment of human immune deficiency (HIV), infection and sexually transmitted diseases. This also includes information on the diagnosis and treatment of mental illness and the use of alcohol, drugs, and tobacco. But excludes psychotherapy notes.

    Your comments would be appreciated.

    Mark May 8, 2014  #13

  • Mindi,

    Presumably they would only seek to obtain medical information while conducting any review of a denial of benefits to determine eligibility. If they determine that benefits should have been paid, or in the alternative, to uphold their denial of benefits they would not continue to request any information.

    Stephen Jessup Apr 22, 2014  #12

  • How long after an LTD company has stopped paying a claim do they have the right to continue to obtain medical records? We were told that a claim would be continued if we continued to have the doctor send the requested forms, and now we are finding out that it isn’t. My husband put in 2 weeks noticed and then was injured outside of work. They paid his two weeks with his LTD and then said his employer would continue the claim until he was able to work… This seemed suspicious to us, but really needed the income since his injury delayed his start date with his new employer. They continued to ask for information and we gave it to them, and then we were told that it would be paid by his old employer through the 10th (the 2 extra weeks that he was unable to work and cleared to go back on the 11th). So now what? We have no idea if they are required to pay or if they even had the right to access those records since he was actually no longer employed by the company providing the LTD. Do you have any advice?

    Mindi Rose Apr 21, 2014  #11

  • Jan,

    Many life insurance policies contain provisions that benefits will not be paid if the cause of death was related to the use of narcotics / illegal activity or suicide. This is most likely the reason why they have sent the authorizations so they can rule out those incidences. You will need to check the policy language, as benefits could be precluded based on the cause of death.

    Stephen Jessup Feb 3, 2014  #10

  • My brother recently passed away and I am the beneficiary of his life insurance. Included in the claim form are three different forms that concern me. An Authorization for release and disclosure of health-related info, Authorization for release and disclosure of psychotherapy notes, and Authorization for release and disclosure of non-health-related information. My brother was an alcoholic. He had severe back problems and also took prescription meds. We may have to wait 90 days to get the death certificate so don’t yet know the cause of death, but are concerned that mixing the alcohol with prescription drugs may have contributed to his death. Do I have to complete these forms and if so, how might this affect the outcome of his life insurance?

    Jan Feb 2, 2014  #9

  • Kim,

    If your daughter’s Social Security benefit is dependent SSDI (DSSDI) based on your disability and If your American Life policy allows them to offset your monthly benefit by the amount she receives, then you could be potentially facing an overpayment. Chances are American Life will find out about the DSSDI at some point in the future.

    Stephen Jessup Jan 22, 2014  #8

  • Hello again,

    My daughter just received her tax information from Social Security. They paid her $8200.00. Long term disability “American Life” is not aware of this income. My personal SS records do not show this information. I am currently going on my 2nd year of LTD payments. Can you offer an opinion how to handle this?

    Thank you.

    Kim Jan 21, 2014  #7

  • Kim,

    Genex is typically hired to secure Social Security disability insurance benefits so that the insurance company can offset the monthly disability benefit by same. You do not have to use Genex for any services and are more than free to hire your own SSDI attorney. Pursuant to the SSA rules, any attorney fee is recovered from any award by the SSA.

    Stephen Jessup Dec 10, 2013  #6

  • First of all, thank you Mr. Dell,

    Thank you for helping out many people that are in the unfortunate position to have to rely on these insurance companies that look for ways to get out of their commitment. My husband paid into his LTD for 28 years. He has received his benefit for 1 year. Today we received the same pack that is mentioned above.

    Would it be best just to cross through mentioned items above and send it back with to package? Or prepare a letter.

    Do the insurance companies just count on people not reading these things and signing them. I was contacted by a company called GENEX and was advised not to respond to them. Same reason, I did not want to give a 3rd party personal information. Now the LTD company is doing an end around with this request. I read on the GENEX form, they can actually charge you in some instances for obtaining any information…

    This is a very stressful. My husband suffered a severe brain injury. If you were to look at him, you would say “you look great” no sign of injury there. But in reality he is a very sick person. His days consist of sitting around the house or on the porch. He cannot drive because of seizures. He does go on short walks. I am afraid someone will come spying on him taking a walk and say, he’s not disabled. Sorry for the ramble…

    Again, thank you.

    Kim Dec 10, 2013  #5

  • Keith,

    I think you should write to Aetna and tell them that you will sign medical authorisations that are specific to the medical providers that they want records from. Tell them that you are concerned about signing general authorisations. You will cooperate, but you want to protect your privacy. If they want any other records, then ask Aetna to send specific authorisations. They should send specific Authorisation for Worker Comp claim as well.

    Gregory Dell Mar 24, 2013  #4

  • This is also in regard to filling out the PHI, Protected Health Information.

    I have been on LTD since 2005 and I had filled out the PHI back then. The specific request to authorise then was:

    Any and all medical information including but not limited to information which relates to psychiatric or mental health, drug, substance abuse, and / or HIV infection, including AIDS and related illnesses, concerning health care, advice and treatment (including but not limited to, medical records, histories, physical or diagnostic examinations reports and treatment notes.

    By signing this form, you will authorise Aetna to request PHI described above from the following persons or organisations (or classes of persons or organisations):

    Providers, including but not limited, to physicians, therapists, medical practitioners, health care professionals, diagnostic facilities, hospitals, clinics (including individuals or facilities which provide rehabilitation services or treatment.

    I now received a new PHI form requesting it by the middle of April 2013.

    The difference being:

    By signing this form, you will authorise Aetna to request PHI described above from the following persons or organisations (or classes of persons or organisations):

    They added Workers Compensation Professionals, saying:

    Providers, including but not limited, to physicians, therapists, medical practitioners, health care professionals, WORKERS COMPENSATION PROFESSIONALS, diagnostic facilities, hospitals, clinics (including individuals or facilities which provide rehabilitation services or treatment.

    My questions are:

    1) I received this packet several weeks back and filled out the other forms with the physician statement and did not fill out the PHI. The reason is, it clearly states that you do not have to fill this out and this form is voluntary. Now, about a week after I sent in the other forms I received a letter from Aetna saying that they need this form filled out in order to continue authorisation of my LTD benefits. So, by the sounds of it, Aetna will shut off my benefits if I do not fill this out. Is this possible since it clearly states this is voluntary?

    2) As you stated before, these forms are to be for medical information only. Now they added Workers compensation professionals. I was involved in a workers comp claim, but I feel this is unnecessary. Is this going a little overboard on their part?

    Keith Mar 23, 2013  #3

  • Paul,

    We cannot provide a specific answer since we don’t represent you, but usually it is in a claimant’s best interest to limit the release to medical providers only. This means eliminate any request for financial and occupational information, or request to consumer reporting agencies. A medical authorization should be for medical records only. If the carrier needs something else, then they need to ask you for it.

    Gregory Dell Sep 15, 2012  #2

  • I noticed the information posted concerning “personal information authorizations”. The following is the terminology of the one I am to submit. Very uncomfortable with it. How do I limit without having benefits stopped?

    1. I authorize any physician, medical or dental practitioner, hospital, clinic, pharmacy, benefit manager, other medical care facility, health maintenance organization, insurer, employer, consumer reporting agency and any other provider of medical or dental services to release records containing the personal information of:
    – Claimant/Patient Name:
    – (Last) (First) (Middle)

    2. Personal information includes medical history, mental and physical condition, prescription drug records, alcohol or drug use, financial and occupational information.

    3. You may release information to:
    – Group Insurance Claims Management
    – Mutual of Omaha Insurance Company/United of Omaha Life Insurance

    4. I understand that the personal information that is disclosed will be used only by Mutual of Omaha Insurance Company and United of Life Omaha Insurance Company to evaluate my claim for disability benefit plan reimbursement and that if I refuse to sign this authorization my claim for benefits may not be paid.

    5. I understand that if the person or entity to whom information is disclosed is not a health care provider or health plan subject to federal privacy regulations, the personal information may be re-disclosed without the protection of the federal privacy regulations.

    Paul Sep 14, 2012  #1

Leave a comment or ask us a question

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   *****

Cecilia A. (California)

Very professional and personable. Kept me informed of my case and reassuring. Both Mr. Jessup and Ms. Lauria are wonderful people. It was a pleasure interacting with Attorneys Dell & Schaefer.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

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