Our Lawyers Get Your Long-Term Disability Benefits Paid
98% percent of our clients collect disability benefits. We have helped thousands of disability insurance claimants throughout the USA to collect hundreds of millions of dollars of disability insurance benefits. Thank you for considering our law firm to help you.
You can greatly increase your chances of long term disability insurance benefit approval by learning all about the claim handling tactics of your disability insurance company.
Discover How Your Disabling Condition Should be Presented to Your Disability Company
Disability insurance companies always argue that Diagnosis does not equal disability. Proving that your medical condition is disabling is the most challenging aspect of any long term disability insurance claim.
Explore How Disability Companies Evaluate Your Occupation
Disability insurance companies are notorious for minimizing your occupational duties. This technique is used as a tool to prove that you can perform duties which differ from the job you actually performed while working.
Knowledge is Power. We Want You To Know Everything About Disability Insurance Claims.
We hope you enjoy these great resources and we invite you to ask our lawyers any questions or leave a review about your experience with your disability insurance company.
Established in 1979, we are a nationwide law firm that helps individuals collect disability insurance benefits. Through our experience of helping thousands of claimants throughout the USA to collect over $500 million in disability benefits, we know exactly what it takes to get your benefits paid. We welcome you to contact us for a free phone consultation with one of our lawyers.
Disability Insurance Tips for Financial Advisors and Planners
If you work as a financial advisor and are struggling with an illness, injury, or other disabling condition that is affecting your ability to continue working, you may want to know if you qualify for long term disability insurance benefits. In many cases, the answer is yes – and because long term disability insurance policies have some strict time limits when it comes to claiming benefits, time is often of the essence.
We provide some tips and strategies that can benefit financial advisors and financial planners who are considering whether to seek long term disability benefits. Should you have any questions or would like a free review of your long term disability claim, please contact us for an immediate free phone consultation with one of our disability insurance lawyers.
Disability carriers often ignore the cognitive demands and duties required to be a financial advisor.
Through our experience of helping hundreds of financial advisors nationwide, we understand the way in which all of the disability insurance companies will evaluate the duties of a financial advisor. Long term disability insurance carriers tend to minimize the duties of the job, placing special focus on the physical demands a financial advisor endures. Most disability companies ignore the tremendous cognitive demands required to be a financial advisor. Job duties such as multi-tasking, attending meetings, researching, earning’s calls, employer meetings, staffing responsibilities, and always being on-call for demanding clients make the job of financial advisor extremely demanding.
Because the job tends to be on the sedentary side, the focus on physical capabilities ignores the significant cognitive demands imposed on a financial advisor. Someone who is distracted by chronic pain or the side effects of certain medication won’t be able to maintain the focus and concentration necessary to advise clients on their finances, taxes, or investments. The ability to sit in a chair for 6 out of 8 hours a day should not be the standard as to whether a financial advisor can perform the duties of their job.
The definition of “disability” will vary from one disability company to another.
Not only does every disability insurance carrier have a slightly different definition of “disability,” but even within the same carrier, group and individual long term disability policies can be very different. Group disability policies are governed by the federal Employee Retirement Income Security Act (ERISA). Most of these policies will classify a claimant as disabled if they’re unable to perform their “own occupation” – or the position they enjoyed before their disability. After about two years of benefits, the definition of disability switches to “any occupation,” allowing benefits to continue only if the claimant is unable to perform any occupation. This stricter standard can lead to more denials.
Individual long term disability policies, on the other hand, generally have a more expansive definition of disability that allows more claimants to qualify for benefits. Unfortunately, even these policies tend to shift the definition of disability over time, requiring the financial advisor to keep their medical records up to date to be prepared for this shift. Most financial advisers have individual disability insurance policies and these policies usually have an “own occupation” definition of disability.
Diagnosis does not equal disability and you need to have strong documentation to win benefits.
Being diagnosed with a serious or chronic medical condition isn’t the end of the story when it comes to qualifying for long term disability benefits. In addition to providing medical evidence supporting the disability, the claimant also will need to show how this disability affects their ability to work as a financial advisor. Some chronic conditions like multiple sclerosis may not initially impact a claimant’s ability to do their job, but can progress over time and impact the claimant’s ability to concentrate, comprehend, or perform even the limited physical functions of the position.
Proper medical record documentation is very important for claim approval.
Many financial advisors who seek disability benefits are dealing with “hidden” disabilities that aren’t apparent to the naked eye. These conditions, ranging from chronic pain to autoimmune disorders, can be tough to document in a way that will capture the insurance carrier’s attention. As a result, financial advisors must have sufficient medical documentation to support their claim for benefits. In some cases, this may require extra testing, including cognitive testing, that can better demonstrate the impact the disability is having on your physical and mental performance.
We’ve helped hundreds of financial advisors and financial planners recover the disability benefits they’re entitled to, and we can help you too. Get in touch with one of our attorneys today so that we can discuss your long term disability claim.
Reviewed by Unknown on September 12th 2023 Verified Policyholder | July 2020 date of disability
This place has no idea what day it even is. First they attach my claim to my previous claim in which was a new claim. They messed up and denied me then made me wait yet ag... read more >
I am sorry to hear what you are experiencing. Make sure you deal with Sunlife writing and follow up every day. If you would like assistance please contact us.
Reviewed by Bunny on August 9th 2023 Verified Policyholder
I believe if Sedgwick would have moved on my Claim. They absolutely did everything not to answer my calls, change dates. I had already been through WV comp. Ins. Sold out,... read more >
Reviewed by Allen Cox on August 8th 2023 Verified Policyholder | September 2013 date of disability
PLAY THEIR GAME FIGHT FIRE WITH FIRE.....after getting a copy of the insurance policy from my HR. I nipped a lot of the headaches quickly by calling their bluff word for w... read more >
Reviewed by Jeff Allsop on July 27th 2023 Verified Policyholder | February 2023 date of disability
They avoided sending the documents needed for the claim for two weeks. I had to escalate with a call from my company's HR and Sedgwick (the only way I was ever able to get... read more >
Reviewed by Hana K. on July 13th 2023 Verified Policyholder | December 2022 date of disability
The Hartford does not pay claims. The Hartford only collects premiums. The Hartford doesn’t care if you are terminally ill. I’ve been employed at my employer since 201... read more >
Reviewed by MartyG on June 29th 2023 Verified Policyholder | May 2023 date of disability
All terms and conditions of receiving a claim benefit not made available when enrolling. Hidden elements of eligibility... not fully transparent with issues that might eff... read more >
Reviewed by Cezes on June 15th 2023 Verified Policyholder | March 2020 date of disability
I been battling Sedgwick about my claim. I was to get paid today and I did not get paid.Sledges is the worse company I ever had to deal with. I been fighting with my b... read more >
At Dell & Schaefer we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few thi... Read More >
In 2014, our client, Michael, received the terrible news that he had squamous cell carcinoma of the alveolar ridge (Mandibular Cancer), and as... Read More >
The road to long term disability benefits is far too often a difficult and arduous journey for many insured. Our client's story is a testament... Read More >
Our client was a successful, independent financial advisor who owned her own business. On December 21, 2008, while stopped at a red light, her... Read More >
Our client, a financial advisor, was first diagnosed with fascioscapulohumeral muscular dystrophy (FSHD) in 2002. FSHD is a neuromuscular dise... Read More >
A former Manager of Quality Assurance at Walmart is again receiving Long Term Disability (LTD) benefits following an appeal filed by Dell Disa... Read More >
In Winkler v. Principal Life Insurance Company, Thomas Winkler, a financial planner, collected 24 months of disability benefits when he was un... Read More >
In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly te... Read More >
In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limit... Read More >
Companion Life tried to play games and deny long term disability benefits, but thankfully a New Mexico Federal Judge made them pay disability ... Read More >
I have nothing but deep, sincere thanks for the way in which you have taken care and protected me and my LTD income since April 2014. I am forever grateful to you both and your staff. You took a frightened man who was being hoodwinked by the Hartford who was fearful of losing his income, to one who was confident. I had a Lion protecting me and indirectly my dear wife Deborah. I will always be humbled by how you all treated me with reverence and professionalism. Your company is the standard to what all others should emulate.
Attorney Alex Palamara and paralegal Danielle are both consummate professionals. Since the inception of my experience with them both they were very attentive thru the entire process and settled my case in a timely fashion.
Why would you recommend Dell Disability Lawyers? I would unequivocally recommend attorneys Dell Disability Lawyers.
What could we do to improve? They don’t need improvement.
I have a rare genetic condition that my insurance company didn’t want to acknowledge. Stephen and his aide Sonia worked tirelessly for over a year and successfully forced The Standard into covering my policy. They are both empathetic and effective, the best combination.
Dell Disability Lawyers is an excellent law firm for dealing with disability companies. I tried for 18 months to get disability for a medical condition. I found Dell Disability Lawyers and spoke with Mr. Jay Symonds about my case. He was very understanding and explained how he could help me in a simple and easy to understand manner. Within 6 months of him taking on my case he was able to resolve the case to my satisfaction.
I could concentrate on my health instead of worrying about money to pay my bills. Mr. Symonds staff were all very kind and helpful. I never had a problem with contacting them for help and they were quick to respond to issues. I would highly recommend Mr. Symonds and his firm to anyone who needs assistance with disability claims with insurance companies.
After exhausting all efforts to find a local disability law firm to assist me with submitting claims for LTD non-ERISA and ERISA disability insurance policies, I resorted to a Google search for disability law firms. I decided to contact Dell Disability Lawyers after reading their clients reviews and watching videos on their website. Within 24 hours of contacting Dell Disability Lawyers, I received I call back and an appointment was made with Steven J. Dell, who after hearing my story decided to personally work with me.
He told me that he would put 100% effort to get me on claim. Mr. Dell and his assistant, Merlin Bryan were always available via phone or email to answer any questions that I had regarding my application for long term disability. He was meticulous in guiding me through the process leaving no stone unturned. My claims were approved on the initial application! I know that it was due to the diligence of my attorney, Steven J. Dell. Without Mr. Dell, my application for long term disability would have been rejected. I am very grateful to have had the representation of attorney, Steven J. Dell.
Why would you recommend Dell Disability Lawyers? Experts in non-ERISA and ERISA disability law. Dell & Schaefer Law Firm have a well-deserved reputation of taking on big disability insurance companies and winning for their clients. If you find yourself in need of a disability attorney, I highly recommend this firm. You will not be disappointed!
What could we do to improve? Not a thing. I am a satisfied client.
Awesome, super quick email response to my initial request, followed up by a phone call from the attorney to discuss details of my claim, all in the same day, and all free of charge.
Why would you recommend Dell Disability Lawyers? Very responsive and super helpful, in addition I am very impressed at the level of service I received free of charge with no pitch to retain them.
What could we do to improve? Nothing, perfect service.
This firm does exceptional work. I worked with them for my application for long term disability. My claim was approved on the initial application with one of the most notoriously difficult insurance carriers in the business. I’m 100% sure that this was due to my attorney Steven Dell. He was meticulous in shepparding me through the process making sure everything was done with precision and done correctly.
My anxiety thought this process was through the roof and Mr. Dell was always there to reassure me and peal me of the ceiling if needed. Mr. Dell and his assistant Merlin were always diligent and immediately responsive when I needed reassurance, help or something needed to be done. If you have a disability claim hire Mr. Dell and this firm. It will be the best money you ever spend.
Efficient, energetic, experienced, and prompt. Quickly and cleanly dealt with. Each call was on time, outcomes reviewed, and confirmed. Highly professional and polite. I strongly recommend his services!
Why would you recommend Dell Disability Lawyers? A professional dealing with professionals. Every time I thought … ”I wonder what our status is?” I received an update, he provided great communication with awesome engagement.
What could we do to improve? Advertise more so more people knew about your firm.
Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.
Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.
If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.
Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.
98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.
We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.
Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.
Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.
Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.
We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.
In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.
We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.
Who do you help?
Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.
Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.
A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.
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 phone, email, fax, GoToMeeting 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 800-698-9159 or by email. Lawyers 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.