• An ERISA Long Term Disability Appeal Is Challenging

Do You Know What Is Needed To File An ERISA Appeal?

Disability insurance claimants naively believe that managing their own disability claim is a simple process. There are disadvantages of managing your disability insurance matter, especially when filing your own appeal. The goal of an appeal is to overturn the insurance companies decision and to strengthen your case if you have to file a lawsuit.

With an ERISA governed policy an appeal is filed because your initial claim has been denied.

Group disability insurance policies have an internal appeals process when an unsympathetic decision has been made on your claim. At this point, the claimant must challenge the decision of the insurance company that just denied your claim.

Once you have been denied, it is up to you to use your appeal to strengthen your claim file and it is the claimants responsibility to show proof of loss and the only times you are able to do that is when your claim pending or at the appeal stage. If a vital piece of information is not included in your appeal, you will not be able to add that information to your lawsuit.

Remember, the insurer is seeking information to be utilized to deny or terminate benefits. Know the significance of what you tell and provide the insurance company. We are experienced ERISA attorneys and we understand what information needs to be included in your appeal. If you have been denied, please contact any of our lawyers for a free consultation.

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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   *****

Esha P.

Just when I thought all hope of collecting on my LTD policy was over I came in contact with with Ms. Alters. She worked to get me a settlement that previous lawyers where unable to achieve. Ms. Alters and her staff exhibited professionalism and great knowledge of the law. I truly appreciate Ms. Alters & the staff at Dell & Schaefer!

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