If I am already receiving long-term disability benefits, what actions can I take to help prevent denial of disability benefits?

In order to help avoid denial by a disability insurance company here are a few actions a claimant can take:

Attorneys Dell & Schaefer represent claimants with the monthly claim handling of their long-term disability insurance claim.

Comments (6)

  • Dean, if you are already currently on claim for disability, then the policy language that was in force at the time of your disability would be in effect throughout the life of your policy. Any subsequent changes to a disability policy by your employer at a later date would not change the language used to evaluate your claim. If you have additional questions regarding your claim/policy please feel free to contact our office to discuss same.

    Stephen Jessup Jun 9, 2018  #6

  • If someone is already collecting LTD via an ERISA policy, can they change the policy which in effect would deny continued benefits to that person? Is the employer beholden to the policy that was in effect when the person was working or can they change the language/policy at will?

    Dean Jun 8, 2018  #5

  • Tony,

    It is not uncommon for an insurance company to stop payment while conducting a review of a claim, but the amount of time that has passed since your last paycheck is somewhat unusual. Please feel free to contact our office to discuss your case in greater detail.

    Stephen Jessup Sep 18, 2015  #4

  • My long-term insurance company stopped paying me at the end of July 2015. The insurance company told me that they are reviewing my claim. Can they stop paying me while reviewing my claim?
    Thank You,

    Tony

    Tony M. Sep 17, 2015  #3

  • CB,

    Thank you for your great questions. Please see our replies here and here.

    Gregory Dell Feb 19, 2013  #2

  • Do insurance companies pay bonuses/commission to case managers if they can find a way to discontinue an LTD claimant’s benefits? Do you find lesser effort/scrutiny on the part of case managers after the “any occupation investigation” phase is over and the claimant’s benefits have been extended?

    CB Feb 16, 2013  #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   *****

Daniel

We all make, everyone of us, life altering decisions everyday that could and often do, save or change the course of our lives. Something as simple as driving to the market one rainy afternoon for groceries with the children carefully strapped and tucked into their car seats… safety belts secured around each one them and returning them home safely… intact – also very important… choosing the right early education program for one of those youngsters who is struggling to “keep up” in school – or maybe it’s a quality of life choice so very important to you personally like… choosing the surgeon who will repair a delicate to treat and painful spinal disc ailment that has caused you years of terrible suffering.

We regularly make decisions that affect our personal and family lives within the context of the times we are living in when we make them. We place our faith and trust in the professionals we select to advise us on these and other very important matters. These “coaches”, as I will continue to refer to them, are Physicians, Lawyers, CPA’s, Financial Investment Consultants, RealEstate Professionals, Insurance Experts, etcetera. These carefully chosen advisers keep us abreast of new opportunities for healing, financial growth and security while at the same time appraising us of the risks and dangers that occur minute to minute both over and under the world’s constantly changing landscape. When the unpredicted problem arises and a major problem will happen at least once in all of our lives, we might need to turn to the “law” – the law lives and breathes and changes by virtue of human, political and technical progress. Those “Coaches”, I mentioned earlier in this memo, also rely on legal experts to help them and their young as well as you and I who they might advise having been selected by one of “us” as a “coach”. We all in the final analysis, must navigate what is often a cloudy, murky, unsure world as part of survival in and of itself.

My legal “coach”… Cesar Gavidia, who has been helping me find my way in this unsure world, is a lawyer I’m very proud to know. After taking my troubling call about a serious insurance matter, Cesar immediately set about collecting the insurance policy information and after carefully studying the insurance policy language… language with which he was and is very familiar, gave me a “gift” that I cannot repay in kind… the “gift” was faith in the law and more importantly… faith in Cesar Gavidia. If you believe as I do, that a legal “coach” is needed to help flesh out your team of professional advisors… then consider talking to Cesar.

We live in a cynical world and we are all afraid of the “unknown”. Step into the knowledgable, kind, generous, professional world of “law” as practiced by Cesar… he really, really, really saved me. And although there are no absolutes… my insurance problems may need more care… a constant I can rely on and believe in is Cesar Gavidia. He will protect me by judiciously and honestly applying the “law”. As hard as it is to believe in anything we hear or read today… please believe me… because my still unfolding story just happens to be the unvarnished truth… and Cesar will get me through these insurance issues the right way, by employing the “truth” in the law… I just know he will… i just somehow know he will. Dan

***** 5 stars based on 202 reviews

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