• How Do I Know if My Disability Policy is Subject to ERISA?How Do I Know if My Disability Policy is Subject to ERISA?

How do I know if my disability policy is subject to ERISA?

If your disability policy was offered to you by your employer as an employee benefit, then it is likely that the claim will be governed by ERISA. However, there are exceptions which again get into another complicated area. All disability policies issued to state and government employees are not governed by ERISA.

One of the first things we do with every single disability claim is we try to figure out a way to make the claim exempt from ERISA because we don’t want our clients to be subject to the ERISA regulations.

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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   *****

John B., MD

In my first phone conversation with Greg Dell he asked a series of probing questions for about ten minutes, and one could sense he was building an understanding of my case and me as a person. I have worked with him almost a year, and he has always been available with a thoughtful answer to any question or concern. He has a thorough knowledge of my disability policy and the workings of a major insurance company like Unum. I have a distinct feeling that Unum knows it will not be able to take advantage of me. Greg has an uncanny insight into the core of any issue and is always thinking several steps ahead. At first I found this amazing, then -remembering he was on my side – comforting.

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