ENT doctor receives $225,000 and continues to work in his same occupation while collecting disability

Our client, an ENT doctor injured his finger during an automobile accident. As result of the injury to his finger our client was no longer able to perform a majority of the surgeries that he was once able to do. Our client had both a personal disability policy and a business overhead policy. Our client continued to work as an ENT, but his partner handled all of the surgeries that our client was once able to perform. The revenues and profits of the practice continued to stay the same for the practice, but our client was now only generating about 30% of the income for the practice. The disability carrier attempted to argue that even though our client was claiming residual/ partial disability benefits, his business did not have a greater than 20% lost of income and therefore he was not entitled to any disability benefits.

The disability carrier did not understand that in calculating the monthly income for our client, the disability policy stated that they must only consider “the revenues generated for services performed by the insured.” In order to present the revenues earned by our client we prepared a detailed analysis of all the procedures performed by our client both before and after his disability. We then worked closely with our client’s accountant and office manager to prepare profit and loss statements for each month that specifically identified the revenues generated by our client. After several meetings with the claims examiner and their financial consultants we were successful in getting the carrier to understand the appropriate calculation of monthly benefits for our client. In addition to recovering in excess of $225,000 in past due benefits for our client, we were also successful in making the carrier pay our attorney fees plus interest on the past due disability benefits.

We continue to represent this client on a monthly basis as he continues to work as an ENT and collect almost 100% of his disability benefit on a monthly basis. This claim was handled by Attorney Gregory Dell and continues to be handled by Mr. Dell on a monthly basis.

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FAQ

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   *****

Chris K.,MD

Responsive, effective, legal assistance that is clearly on your side when advocacy is most needed, when your self-confidence can be at an all time low. This firm comes through. Don’t know how I could have been more fairly represented. A real value in the legal services industry.

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