• Equitable Disability Claim Benefits Overview and Legal Tips

Equitable Disability Insurance Claim Benefits Overview and Legal Tips

Equitable is one of many disability insurance carriers that offers long term disability policies to employees (through their employers) and individual purchasers. But unlike some of the other big names in the disability insurance business, Equitable relies on a third-party administrator to manage its claims approval process, which means you won’t be dealing directly with your insurance carrier. Having your claim managed through a “middleman” can create some inefficiencies you’ll need to learn to work around. Read on to see what you should expect from an Equitable disability claim and how you may be able to improve your odds of being approved for disability insurance benefits.

Equitable Long Term Disability Insurance Claims and Tips For Getting Paid Disability Benefits

Equitable enlists third-party contractor Disability Management Services (DMS) to investigate disability insurance claims and make a final recommendation on whether to approve or deny disability insurance benefits. Because DMS deals exclusively in claims investigation, its process can be painstakingly thorough, much to the frustration of many disability insurance claimants and their employers. Prevailing in an Equitable disability claim can require attention to detail and thorough documentation of your medical issues.

There Are Many Advantages to Having a Private Disability Policy that is Not Provided by an Employer

When it comes to claiming long term disability benefits, the type of policy a claimant has – individual or group – can make far more of a difference in how a disability insurance claim proceeds than who administers the disability insurance policy. Individual policies allow the claimant to request a jury trial and litigate their claim in state or federal court. Group or ERISA policies don’t allow for a jury trial or witness testimony and may be litigated only in federal court.

Equitable Has Historically Sold Good Disability Policies But You Must Be Prepared to Get Paid

Some disability policies are so rife with exceptions and exclusions that they’re hardly worth the money paid for them. Equitable policies, on the other hand, tend to be fairly high quality as far as long term disability insurance policies go. They have few limitations on the types of disabilities that are eligible for benefits and define “disability” broadly. But because of Equitable’s thorough claims investigation process, claimants must be well-prepared before filing their disability claim to prevail.

The Equitable Disability Policies Usually Give Clients Options and We Want to Achieve Your Goals

Around 90 percent of disability insurance denials that are appealed ultimately settle before trial. Settlements can benefit both parties; the disability insurance claimant can have “a bird in the hand,” as the saying goes; meanwhile, the disability insurance carrier eliminates the risks that can come with trial and can set a dollar amount on their liability, close the claimant’s file, and move on.

Most disability insurance settlements involve a lump sum payout instead of a series of future payments. Again, this can provide a win-win scenario: disability claimants have full control of all the money they’re being awarded, while the insurance carrier can close the door on this long term disability claim without maintaining any ongoing financial obligation to the disability claimant.

You Don’t Need to Stop Living Your Life in Order to Collect Equitable Disability Benefits

One common misconception among disability claimants is that if they can drive, travel, or perform other basic activities, they’re not “disabled” enough to receive long term disability benefits. But this isn’t the case, especially with Equitable disability insurance policies. Because Equitable’s definition of disability is so broad and usually will allow for benefits so long as the claimant can’t perform their current job, the ability to perform other non-job-related activities isn’t usually seen as relevant.

If you need help navigating your Equitable policy, you’re not alone. Dell & Schaefer can provide disability claimants with a FREE no-obligation consultation, so don’t delay – get in touch with one of our experienced long term disability attorneys today.

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Questions About Hiring Us

Do you help Axa Equitable claimants nationwide?

We represent Axa Equitable clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Axa Equitable disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Axa Equitable. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Axa Equitable.

How do you help Axa Equitable claimants?

Our lawyers help individuals that have either purchased a Axa Equitable long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Axa Equitable:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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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I was pleased with the effort and professionalism of both Mr. Alex Palamara and Ms. Danielle Lauria. It is sad how CIGNA treats sick people like me who after years of payments, refuse with what they promised. I for one would much rather be healthy and able to work. But since that is no longer the case, it is a wonderful service Attorneys Dell & Schaefer Chartered provided me through Alex and Danielle and I am truly grateful. They got the job done.

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