• Aetna Insurance Denies Disability Benefits to Fed-EX Employee Approved for SSDI Benefits

Does Social Security Approval Mean Disability Insurance Benefits Will Be Paid?

The answer to this question is NO and a recent case brought by a FEDEX employee against Aetna insurance company is an example of an SSDI approval and a long term disability denial. In a recent case, a Fed-Ex employee filed a lawsuit against AETNA following the denial of long term disability benefits. Aetna paid long-term disability benefits for 24 months and then denied benefits when his definition of disability changed from own occupation to any occupation.

In this case the claimant argued that he was approved for social security disability benefits and therefore should be able to work. This claimant suffered with severe knee and other orthopedic conditions. This employee’s disability had a very restrictive definition of disability requiring him to be unable to work at least 25 hours a week. The definition of disability was much different than the SSDI definition of disability, whereas in most disability policies the SSDI definition of disability is similar to the long term disability definition. In this case the court ruled that AETNA conducted a reasonable review of the claim, especially since they reviewed and distinguished the SSDI opinion from Aetna’s opinion. The court upheld the denial. From our experience, if a claimant is approved for SSDI, then they usually satisfy the definition of disability in their own disability policy. This particular policy for FEDEX employees is a terrible definition of disability and makes it very difficult for FEDEX employees to collect long term disability. Our law firm did not handle this claim. We have helped thousands of AERNA disability claimants nationwide and we welcome you to contact us to discuss your long term disability claim. We offer a free immediate phone consultation with an attorney and we represent claimants nationwide.

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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   *****

David F. (Hawaii)

My experience with Dell & Schaefer was beyond my expectations and during a very stressful time. Stephen F. Jessup was eager to help us when we first contact the office about 5 years ago. He was stellar with this follow up, extremely knowledgeable in the Cigna arena, and had some great out of the box ideas. What I appreciated the most about Stephan and Dell & Schaefer was how they stuck with us the entire time we were fighting the Cigna machine. There was times I was ready to give up but Stephan encouraged us to keep going.

We ended up settling a few days ago and it was well beyond our wildest dreams! To top it off, we were about 4,000 miles away from Stephen as we lived in Hawaii when we started working with Stephen and even though our time zone was 6 hours a part he was able to stay connected and represent us from afar.

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