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Doctor files a Disability insurance lawsuit against Guardian Life Insurance

Disability Attorneys Dell & Schaefer filed a disability insurance lawsuit against The Guardian Life Insurance Company of America in a New Jersey Federal court. The lawsuit involves a New Jersey OB/GYN’s claim for long term disability benefits following injuries he suffered in a car accident.

According to the disability lawyers involved with the lawsuit, Guardian Life Insurance paid the doctor for approximately two years prior to discontinuing benefits. Guardian initially paid the disability claim on the basis that the doctor was working only as an OB/GYN prior to becoming disabled. Through basic internet searches, Guardian learned that the doctor was not only engaged in Obstetrics and Gynecology, but he also was earning money from his work with a laser hair removal machine. Guardian conducted an investigation in order to determine how much pre-disability work was from OB/GYN services versus Cosmetic services. Guardian had further questions about both past and future disability earnings of the doctor. Despite making disability payments for two years, Guardian made a determination that the doctor was no longer eligible for benefits.

“This is a case where the Doctor bought a disability insurance policy that he thought would protect his income if he could not work as an OB /GYN,” said Attorney Gregory Dell of the disability law firm Dell & Schaefer. “This is classic case of total disability versus residual disability.”

The case serves as a warning to Doctors and other medical professionals nationwide that there are multiple factors that an insurance company will consider when it comes time to file a claim for disability income benefits. Disability insurance policies are complex and can be subject to multiple interpretations. Every doctor should purchase a disability insurance policy, but it is important that any disability claimant understands the terms and conditions of their disability policy.

The Law Firm of Dell & Schaefer is known for their representation of physicians and other business professionals in disability insurance cases. The Disability Income Division, managed by Gregory Michael Dell, represents disability insurance claimants throughout the nation.

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FAQ

Do you help Guardian claimants nationwide?

We represent Guardian 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 Guardian disability insurance policy?

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

How do you help Guardian claimants?

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

  • 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.

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