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.

Leave a comment or ask us a question

There are 2 comments

  • 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 AltersMay 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

    HirMay 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.

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Michael K.

I contacted Dell & Schaefer after my disability claim from MetLife was denied. After researching other people’s experience with MetLife disability, I realized I needed professional help if I was going to win my claim. I contacted Dell & Schaefer and have been dealing with Cesar Gavidia. Cesar is a dedicated professional with vast experience in dealing with MetLife. He is an expert at navigating the minefields and roadblocks that MetLife uses to deny claims.

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