• Does Having A Disability Insurance Attorney Raise A Red Flag?

Does having a disability insurance attorney raise a red flag?

I regularly get asked by claimants: well, does it raise some kind of a red flag, the fact that I have an attorney? And my response to all of these potential clients is that the disability insurance company has attorneys advising them and so you’re able to as well.

The other thing is that, you may not look at your policy like this; you’re seeking hundreds of thousands of dollars through your insurance policy, if you now have a disability that’s going to prevent you from being able to do the duties of your occupation. It’s no different than if you were going to go buy a house that was several hundred thousands of dollars and not have a real estate attorney look over your contract for you.

Your disability policy is a contract and if a disability carrier doesn’t pay you, they’re in breach of that contract. Unless you are trained in understanding all the terms and conditions of your disability policy, you should have an attorney who can explain to you every single one of those terms.

Comments (4)

  • JAB,

    There is no harm in telling Unum or HR about the private disability policy you own. There may be a setoff provision in your disability policy which may offset payments from one of the policies.

    Gregory Dell Oct 22, 2012  #4

  • I have been on employer-purchased short term disability with Unum for three weeks. I also have a Unum long term plan I have owned for over 25 years, that has a one month exclusion clause. I am thinking about filing on that policy as it looks like I will be off work for at least another month.

    Should I tell my HR dept I own a personal Long term policy with the one month exclusion. Should I tell my current Unum case worker I have the personally purchased Unum policy?

    I just has some surgery that will lay me up for at least one more month, and I also have a separate health issue that will require a follow up CT scan, (Pannicultis Mesenteritis). If I am lucky I might be back at work in few weeks, but only God knows…

    JAB Oct 21, 2012  #3

  • Sandra, lump sum buyouts are handled by our disability attorneys for a flat fee and there is never a fee unless a recovery is made. The amount of fee is fixed based upon the amount of the recovery obtained.

    Gregory Dell May 4, 2011  #2

  • If I am considering a lumpsum buyout, how much do I have to pay for attorney fees for negotiation? How much can I expect to pay the attorney if case is successful? Your reply is appreciated. Thanks.

    Sandra Apr 28, 2011  #1

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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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I have been a client of Stephen Jessup since early last year and have to say he’s an amazing attorney whose direct approach and attention to detail are second to none. My case presents a difficult challenge in that we have to manage my LTD policy, workers compensation, and SSDI all together. Attorney Jessup has been able to guide me through all the intricacies of all three and has gone out of his way to do so, even in dealing with workers compensation and SSDI, although he is not required to do so. He doesn’t embellish or overstate what he can do for you. I have never had an email go unanswered or an attorney conference call cancelled. His compassion and understanding about your situation and condition are genuine. He listens to all your concerns and never will respond with empty rhetoric or lip service. And let’s not forget Anneli De Cardenas, who is definitely a big part of Dell & Schaefer. She has been terrific to deal with and has been very empathetic regarding my case.

Dealing with the insurance company by yourself is not only stressful but also not recommended; since Dell & Schaefer have started managing my LTD policy, I have felt a tremendous sense of relief because they are always on the ball and I trust that they are handling it effectively. I have the utmost gratitude to Stephen Jessup and Dell & Schafer for everything they have done for my case.

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