I have both an individual disability insurance policy, which I purchased on my own, and a group disability insurance policy through my employer. Will I be able to recover benefits from both insurance policies if I become disabled?

Answer: It depends, but most likely yes.

The group disability policy provided by your employer will most likely offset other income benefits you receive such as:

However, individual disability benefits from your individual disability insurance policy which is individually underwritten to you is generally not an deductible source of income.

Some very limited group disability insurance policies will offset benefits from any source including your individual disability insurance policy.

It is important for you to review the section of your group disability insurance policy discussing deductible sources of income and other income benefits.

If you still have questions, please feel free to contact us for a free consultation.

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Comments (2)

  • Hir, I would be happy to discuss this with you in detail and let you know what I think. I will email you and you can give me a call.

    Rachel Alters May 23, 2019  #2

  • I am 43 year old women with disability and I am paid by my personal policy but declined by group/ERISA policy. If I go for court and be file a case and loose the ERISA case, then does this verdict will affect my individual LTD which is paying now and it’s worth to take a risk for it. Please advice.

    Thank you

    Hir May 23, 2019  #1

FAQ

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   *****

Curt P.

Before my disability, I was an attorney with a successful energy and telecom practice. I know what it means to provide quality legal service: it entails expertise in the area(s) of law in which the lawyer practices; zealous advocacy on behalf the client, subject always to a professional tone and demeanor; objectivity and considered judgment; responsiveness in real-time; and last but not least, a great staff.

Steven Dell and his firm have demonstrated all of these qualities. They’ve been with me since the beginning, and nothing they have done has ever caused me concern. Quite the opposite. On my behalf, they take care of all communications with the disability insurance carrier and provide me such other expert advice as I have needed over what is now a five-year period. When you no longer have good health, I have found it to be a great relief to have them deal with the insurance company and to know I can rely on their wise counsel.

I also appreciate the firm’s technical sophistication. We communicate chiefly by email, which is not only efficient but less intrusive. When I’m having a particularly bad health day, I can always get to their emails after the storm has passed.

Anyone with claim with their disability insurance carrier would do well to hire Steven and his firm.

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