Executive assistant recieves confidential settlement from USAA Life for long-term disability policy

Our client was an executive assistant for a leasing company who became disabled after developing fibromyalgia. In April 2007, she filed a claim with USAA Life, with whom she had taken out a personal long-term disability policy in 1995.

Our client’s occupation as an executive assistant required her to spend long hours in front of a computer. However, her job required her to be able to multi-task and perform a large variety of tasks beyond those of a typical assistant, including preparing reports and financial data, training and supervising other support staff, and making travel arrangements.

With our client’s conditions – fibromyalgia and depression – she was unable to spend the time necessary to perform her job as she once had, and left work in an effort to get better. While she continued to treat with a number of doctors, including a chiropractic neurologist, three rheumatologists, her ob/gyn, and primary care physician, all of whom supported her diagnoses, she was unable to find relief from the pain that prevented her from working in her job.

Our client’s definition of disability stated:

You will be considered Disabled once you are under the care of a Physician for an Injury or Sickness and such Injury or Sickness results in one of the following conditions:

USAA Life denied her claim on June 22, 2007, asserting that she was not disabled. Four days later, our client contacted Attorneys Dell & Schaefer to represent her against USAA Life. Dell & Schaefer filed an appeal with USAA Life in an attempt to settle our client’s claim without having to file suit. After USAA Life refused to overturn their denial of the claim, Attorneys Cesar Gavidia and Robert Kerr filed a lawsuit in Circuit Court demanding all past due benefits, attorney fees and interest. Following several months of extensive litigation, Dell & Schaefer secured a confidential settlement on behalf of our client.

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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.

Dell & Schaefer Client Reviews   *****

Amy W.

My disability claim had reached the 10 year “any occupation” point. The appointed insurance claims representation began calling and asking several questions and requiring that I answer, while indirectly threatening that my claim would be canceled if I did not answer immediately. It was very unkind and stressful to be threatened in this manner.

My claim was then set for cancellation after my medical records identified a temporary period of remission. They used one sentence of ten years of records that was based upon how I felt that day during that appointment. I contacted Dell & Schaefer and Attorney Gregory Dell responded to my e-mail within hours and on a Sunday. I was assigned to Rachel Alters. The insurance company asked me to do some pretty unsettling things, a physical capacity test that was being requested by LTD carrier to confirm their cancellation. Rachel was honest, direct and comprehensive while being timely and efficient. That is a hard find in any business to client relationship.

***** 5 stars based on 202 reviews

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