Hartford and Unum approve long-term disability benefits for disabled radiologist

Our client, a radiologist and partner of a successful Florida medical group began experiencing significant burning tongue and mouth pain following a dental procedure. Complicating matters further, he also suffered from severe back pain from several disk herniations and degenerative disk disease. The burning tongue and mouth pain was severely distracting, to the extent that it impaired his ability to focus, concentrate, and interpret images and perform interventional procedures.

Understanding that the issues which arise with disability claims can be complicated especially when involving two disability carriers and two individually unique long-term disability policies, our client sought the advise and assistance of the law firm of Dell & Schaefer prior to applying for benefits.

Initially, our client, being a motivated and determined individual his entire life, contemplated reducing the volume of interpretations he was reading and ceasing his interventional duties. Naturally, he hoped perhaps reducing his workload and eliminating the interventional procedures which he could no longer safely and effectively perform, would allow him to focus on his health and recovery. He also strongly desired to be as much of an active member of his practice as he could be despite his restrictions and limitations.

Understanding the client’s desire to continue practicing in a limited capacity due to disability and also knowing that a thorough review of documents including but not limited to our client’s: long-term disability policies, medical records, CPT codes, and personal and corporate financial records, would need to occur in order to completely comprehend our client’s options, Cesar Gavidia, a senior associate in the disability division of Dell & Schaefer, began his analysis.

After completing his review and analysis of the above-mentioned material, several conference calls with the client and his treating doctors, Mr. Gavidia was able to advise the client that he had a strong residual/partial disability claim. Soon after our client’s long-term disability applications were filed, his claims with Hartford and Unum were approved.

Unfortunately, our client’s medical conditions did not resolve, his symptoms progressed and he was forced to stop practicing radiology completely. After conveying to the carrier the extent and progression of our client’s medical disabilities, the carriers soon transitioned the claim from residual/partial disability to total disability.

We continue to represent our client with Hartford and Unum, and advise and assist him with the submission of monthly claim forms and attending physician statements.

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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.


Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

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