• Guardian & Berskhire Life Long Term Disabilit Insurance Claims (Ep. 9)

Guardian & Berskhire Life long term disability insurance claims

It is not often we say positive things about disability insurance companies, but Guardian Insurance Company and Berkshire Life Insurance Company are two companies that usually try to do the right thing for their policy holders. Guardian has been in existence since 1860 and has over 5,000 employees. In 2001 Berkshire Life merged with Guardian. Berkshire Life sells individual ERISA exempt disability policies and Guardian sells Group disability insurance policies. Guardian has over 42 billion dollars in assets under management and revenues have exceeded 7 billion dollars.

In this episode disability insurance attorneys Gregory Dell & Stephen Jessup of Attorneys Dell & Schaefer discuss Guardian and Berkshire Life Disability Insurance Companies and their handling of long term disability insurance claims.

More specifically we will discuss:

  1. A New York disability insurance case about a dentist that was claiming total disability but Berkshire Life was claiming the dentist was residually disabled.
  2. What is a “dual occupation”?
  3. A Florida case against Berkshire Life discussing how to determine what a person’s “own occupation” is at the time he is or she becomes disabled.
  4. The ability to be collect total disability benefits and continue to work in a different occupation.

Comments (6)

  • SSI, once the lump sum settlement goes through, you will be able to return to work or collect SSI. However, please contact us so that we can review their offer. There is a very good chance we can convince Guardian to offer you more.

    Alex Palamara Jul 2, 2019  #6

  • I just had 2 back surgery and have been collecting Ltd through guardian. I’m being told now that my ins claim ends at age 67 and offers me a lump sum payoff. My question is if I do this will I be able to work or collect ssi?

    SSI? Jul 2, 2019  #5

  • Robin, you can always contact the carrier and explore the option of a lump sum buy-out of your benefit. Each carrier has its own internal guidelines as to what types of claims can be referred for a buy-out review. If you have additional questions please feel free to contact our office and speak with one of the attorneys to discuss your situation in more detail.

    Jay Symonds Apr 11, 2018  #4

  • My name is Robin, I am interested in terminating my ltd insurance with Gardian. I am 64 years old and will be 65 in June. I have a small pention from Tidewater Marine as a chief engineer, in which will be deducted from the 1622.00 a month that I have received for over 20 years now. I am not sure if I have to collect my S.S or if I can be given the choice to wait and collect at 67. If I collect at 65 then I would receive with my pention almost 400.00 more a month but it would cancel out my Guardian insurance.

    My question for you is since I am on an old plan that is for life (I’ve been told to not let that go) would there be any settlement I can make before drawing my S.S?

    Thank you for your time, much appreciated.
    Robin C.

    Robin C. Apr 10, 2018  #3

  • Leslie,

    Please feel free to contact our office to discuss how we may be able to assist you.

    Stephen Jessup Nov 7, 2013  #2

  • I was denied my short term term disability. I will like a free consultation.

    Leslie Nov 6, 2013  #1

Leave a comment or ask us a question

Questions About Hiring Us

Do you help Berkshire claimants nationwide?

We represent Berkshire 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 Berkshire disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Berkshire. 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 Berkshire.

How do you help Berkshire claimants?

Our lawyers help individuals that have either purchased a Berkshire 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 Berkshire:

  • 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.

Dell & Schaefer Client Reviews   *****

Robert C.

After being denied initially, I searched our local area for an attorney who specialized in disability claims and found none. I spoke to a couple law firms that said they had “experts” in ERISA claims but after talking with them I determined they were no experts. I did a search on the internet and found Dell & Schaefer (Thank God.) After one phone call with Steve Jessup I knew that I had the attorney I was looking for. He had the “backbone” to stand up to the insurance company and was not the least bit afraid of going toe to toe with them. We won our appeal and have hired Steve to continue to represent me for help with the benefit distribution process. I highly recommend Steve and his staff.

***** 5 stars based on 202 reviews

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