• HIV or  AIDS Disability Insurance Benefits Claim Information

Disability Insurance Claim Due to HIV/AIDS Lawyer Assistance

HIV/AIDS has been an epidemic for more than thirty years. The Centers for Disease Control and Prevention (CDC) estimates that approximately 1.1 million people nationwide are living with HIV infection, and almost 1 in 5 (18.1%) are unaware of their infection. If you are disabled as a result of HIV or AIDS and/or secondarily related diseases, our disability insurance attorneys are available to discuss your potential short or long term disability insurance claim. The medications for treating and controlling HIV are very effective, however the side effects of the medications and secondary medical conditions often make it difficult for people with HIV to work. We have represented numerous long term disability claimants suffering with HIV and our disability lawyers understand the restrictions and limitation caused by the disease.

Our Lawyers Have the Experience to Assist with Your HIV Disability Claim

If you have HIV/AIDS and are unsure if you could have a viable disability claim, contact our disability insurance attorneys today for a free immediate consultation. Your call will be answered by a disability attorney. We offer free consultations to claimants across the country. Insurance companies have strong legal representation and it can be difficult to battle the insurance company on your own.


These valuable sources of HIV/AIDS information available can provide you with further information:

There are numerous charities dedicated to HIV/AIDS research, detection and treatment including:

Cases & Claim Tips (4)

Comments (10)

  • Bob,

    I would be happy to discuss your Hartford claim with you. You can email me at Rachel@diattorney.com and we can set up a time to talk.

    Rachel Alters Jul 17, 2019  #10

  • I became sick with AIDS in March 2013 and my employer had a 3rd sick pay with a long term disability insurance company that I’ve been receiving benefits from since then. Recently, The Hartford Life Insurance Company, who pays me benefits has ratcheted up their investigation on me so much though that I’m worried about receiving continued benefits. I’m now beginning the process to find an insurance disabilities advocate.

    Bob in Pitttsburgh OA Jul 16, 2019  #9

  • Gerald, unfortunately without continuous care and treatment from a qualified physician it’s really difficult to get the insurance company to pay your Ltd benefit. It becomes very difficult when your insurance is cut off and you can’t afford to pay for doctors. If you need to file a lawsuit please contact me. I will also send you an email so you can send me the most recent denial. Once I receive it I can let you know if I am able to assist you.

    Rachel Alters Apr 1, 2019  #8

  • I been denied 3 times in the past year, I have no health insurance. That’s what been stopping me from seeing the right doctors.

    Gerald M. Mar 30, 2019  #7

  • Michael, if you are experiencing symptoms that prevent you from working and you are covered under a disability insurance policy you may be eligible for benefits.

    Victor Peña Jan 26, 2019  #6

  • I have HIV positive, can I get disability insurance?

    Michael Jan 25, 2019  #5

  • Bernice, if your son’s claim is for SSDI benefits you will need to consult with a SSDI attorney as to appealing the denial. Our office only handles private disability insurance claims. If you need assistance in locating a SSDI attorney near your office please feel free to contact our office and we can see if we can assist you with same.

    Stephen Jessup Dec 22, 2016  #4

  • My son is Hiv and is currently receiving ssa benefit. After a recently released determination review helpful is being terminated from receiving benefits effective 2/1″/2017. When his case was review documentations was not reviewed from his psychiatrist. Only the recommended psychiatrist ssa sent him to. My son has a bipolar disorder as well alone with kidney disease. He needs to file an appeal. Can you help please.

    Bernice Dec 21, 2016  #3

  • Ryan, given your claims history it would seem that you are not at risk. However, that is not to say that Guardian won’t continue to investigate the claim so it is imperative that you continue with your treatment and that your doctors remain supportive.

    Stephen Jessup Mar 23, 2016  #2

  • I have been disabled through Guardian due to AIDS related complications for 13 years. Will they try to drop me?

    Ryan Mar 22, 2016  #1

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Questions About Hiring Us

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   *****

Celestine D.

I am a 61 year old Senior Business Analyst. I had been working at a health insurance company for approximately 11 years when I became disabled and have had numerous, bulging disks, nerves that were severely impinged, and active arthritis and degenerative disk disease throughout my spine. I underwent back surgery for L1 thru L5 infusion which included insertion of 2 titanium rods and 6 pins. I continue to undergo physical therapy 3 xs per week. Not to mention the surgery left me worse than before the surgery considered a FAILED BACK SURGERY. I’m unable to sit or stand for more than 2 hours with getting up. I am unable to walk for more than 1 city block. I also have many other medical conditions. After collecting LTD from Lincoln Financial for about 3 years, the harassment began. They decided that I was no longer disabled. In short they felt I was capable of returning back to the work force. (Social Security Disability deemed me permanently disabled)

After fighting with Lincoln and exhausting my appeals I decided to research and hire an attorney. I selected Dell & Schaefer based on their website, case success statistics, and the speed at which they returned my calls and emails.

Let me tell you, my experience in working with Rachel Alters and her assistant Michal Mizrahi is nothing short of outstanding. They responded quickly to phone calls and emails and were mindful of my concerns and information needs. Talking with the both of them made me feel confident and assured they were doing the best for me. I cannot say enough good things about Michal. She anticipated my needs and was proactive in keeping me informed as my case progressed. What a TEAM they make. Any time I reached out with questions or concerns they were very responsive and always left me feeling satisfied that I had the best in my corner. Rachel is an angel. She is so down to earth compassionate, professional and trustworthy attorney. Rachel was there to guide me from the start and helped me get through this stressful and lengthy process.

While attempting to handle it on my own, my long-term-disability claim had been denied two previous times. With the help of Rachel Alters and her team, I was able to obtain a settlement I never would have been able to get without their assistance. Rachel and her team far exceeded my expectations in every capacity. She was focused, clear, responsive, efficient and above all exceedingly knowledgeable.

***** 5 stars based on 202 reviews

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