• How Can One Disability Company Approve My Claim But My Other Disability Company Has Denied My Claim?

How can one disability company approve my claim but my other disability company has denied my claim?

Disability Insurance Attorney Stephen Jessup discusses the situation where a disability claimant with multiple disability policies has the claim approved by one disability company but denied by a different company. It is a common occurence where a claimant may have multiple individual disability insurance policies or a group disability policy and an individual policy. The disability insurance companies and social security are not obligated to agree with each others opinions.

I’m getting more calls lately about whether or not when a person has an individual policy they purchased from an agent and a group policy that they were provided through their employer. We see this with a lot with professionals, doctors, lawyers, businessmen more and more. And a common question is, “Well, if I apply on my individual policy and I’m approved, does that mean that the group policy will approve me for benefits or vice versa?” It’s almost the same argument, “If I’m approved for Social Security, will I automatically get my long-term disability benefits,” whatever the policy may be. And the answer is no, not necessarily. Each one of the carriers is going to provide their own review of the claim. There’s a chance more likely than not that they will speak with each other, but each policy will have different definitions as to which disability is, what you’re able to do under the policy, whether it is residual disability.

As we’ve discussed in other segments, if you think of disability policies as cars, a group policy is like a base-model car; it’s not going to have a lot of frills, where an individual policy, you have the ability to buy options that make it more beneficial language-wise for you. So just because your individual policy may approve you does not necessarily mean that your group policy will. I’ve had on more than one occasion and I’m going through it right now recently with a carrier where I had a doctor who was approved on this long-term individual policy denied on the group disability policy. So it’s very important to consult with an attorney when making application for those benefits only because certain things are going to have to coexist and know how to work within the definitions of the policy in which we may be able to do.

So if you have any questions regarding applying for benefits under an individual or group, and especially both, feel free to give us a call.

Leave a comment or ask us a question

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   *****

Joy K.

I contacted Dell & Schaefer to help when UNUM disability insurance company refused to pay my claim. Cesar Gavidia took my case and helped me all the way through, negotiating a settlement that was so helpful to me in my disability. He was very supportive and kept me informed every step of the way. It made our efforts very worthwhile.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us