• 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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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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There are not enough words to describe how delighted I am with the representation that I received from the law firm Dell & Schaefer. During this, the lowest point in my life, when I felt nothing but despair, completely hopeless and as though my world was coming to an end, Steven J. Dell, his colleagues and their support staff were all there for me each and every step of this terrible journey that I’ve had to traverse.

As an attorney myself, I always tried to provide superior representation to my clients. That meant not only being well versed on the technical side of the law, but also understanding the emotional impact that led the clients to come to my office. I can not think of a better complement but to simply say, that Steven J. Dell has been the type of attorney that I always tried to be. To the people at Dell & Schaefer, I want to thank you for all of your help. I don’t know where I would be today without you.

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