• If I Can Not Afford Medical Treatment Can I Still Collect Disability Insurance Benefits?

If I can not afford medical treatment can I still collect disability insurance benefits?

Disability attorney Cesar Gavidia discusses what options a claimant may have if they are unable to pay for their doctor’s visits.

Insureds often find themselves in the dilemma of not being able to afford their doctor visits, but pursuant to the terms of their disability policy or the long-term disability plan, they have to be under the reasonable care of a physician. Well, what do they do? Being under the reasonable care of a doctor for your disability is as important as being unable to work in your own occupation or in any occupation, the definition of total disability. So what you need to do is you need to sit down with your doctor, you discuss with him the financial situation you’re in, perhaps he’ll let you receive a discount on those office visits, or perhaps they’ll even discuss with you a particular payment plan to pay for those visits that you have to go to. If you do not treat with your physician, this could certainly preclude you from receiving benefits under your policy, which means the insurance company will not pay you.

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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   *****

Marna L. (Tennessee)

When the letter arrived from the insurance company that they would no longer be making payments to my disabled spouse our world came to a stop. This is a devastating moment. Rather shocking since we had complied with all the requirements. Shortly, thereafter I started researching to find the best legal firm to represent my spouse. After reading the numerous ads for legal firms I came across Dell & Schaefer. Read the material, listened to the you tube and read the booklet. The process was fast once I place the call.

Attorney Jay Symonds returned my call. He was amazing and talked me through the process. He went through the details as to what would be needed several times. He has patience which is needed when dealing with people under stress. Mr. Symonds was open to different types of communication and at odd times of the week and day. He was understanding of my time as a full time caregiver. Through the process Mr. Symonds and his staff stayed in contact with me. End Result: My spouses insurance was reinstated. We are very grateful to Jay Symonds and his team.

***** 5 stars based on 202 reviews

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