ERISA disablity insurance claim: pre-existing condition denial overturned for executive

Our client suffered from Post Traumatic Stress Disorder and applied for long-term disability insurance benefits under the terms of his group disability policy. His insurance carrier denied his claim, asserting that because he took anti-depressant medication and was also diagnosed with a personality disorder within the three months prior to obtaining insurance coverage, his condition was pre-existing.

After researching his psychological documentation, our firm determined that his prior condition, for which the medication was prescribed, was separate and distinguishable for his current disability. Our firm submitted a lengthy appeal, citing applicable case law and providing significant psychological documentation. Based on this, our client’s insurance carrier reversed its denial of benefits. Our client remains on claim today.

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   *****

Michael F.

I hired Greg Dell to handle my LTD claim with the most horrendous insurance company in the world; The Hartford.

It is difficult, if not impossible, to find a firm/attorney that specializes in LTD claims. Greg has always been available for consultation, and brings an ease and no nonsense approach to the arena. He brings the experience and perspective to your case that one needs because it is difficult to remove yourself from the emotional knee jerk responses that are typical in these situations.

He is very fair with his time and efforts and is not an attorney that will bill you to death every time you look his way. I really appreciate that.

I highly recommend Greg, and feel more secure with my LTD claim knowing I can turn to him when I have questions, concerns, and when The Hartford behaves badly.

***** 5 stars based on 202 reviews

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