• 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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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.

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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.

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Randy K.

This was the second time my LTD provider (Prudential) terminated my coverage. Steve got my coverage back the first time the provider terminated it. I contacted Steve and Danielle immediately when I was notified of the second termination.

Even though the LTD provider was to use Dell & Schaefer as a conduit of communication to me, they superseded this agreement and communicated this fact directly to me. Steve and Danielle began gathering the supposed facts behind the termination and saw they were bogus. My case file was sent to an independent physician in a different state who simply read documents to determine that my symptoms were falsified and upheld the termination. Steve contacted the provider and drew exception to that entire process.

Since I am not an attorney I can’t begin to imagine the legal wrangling that took place to contradict that opinion. An actual “hands on” IME was scheduled by the LTD provider to see if it would concur with the other physicians findings. The findings of the “hands on” physical examination disagreed in nearly every way with the report delivered by the physician that simply read a report and didn’t lay a hand on me.

As a result of the dedication of Steve and Danielle my LTD was reinstated this month, along with all the back benefits dating back to the date of termination in June of 2015. Steve and Danielle went, in my opinion, above and beyond the call of duty to see that I got back what was rightfully mine. They have my eternal admiration and respect!

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