• Physical and Mental Disabilities: Can Disability Benefits Be Limited?

If I Have Physical and Mental Disabling Conditions Will My Disability Benefit Be Subject to a Limited Pay Period?

The answer to this question is very fact specific in each case. Not every disability policy has a limited pay period for a mental condition. Most employer provided long term disability policies will limit mental health disabilities to either 12 or 24 months. In the situation where a claimant has both physical and mental disabilities, then it still may be possible to continue benefits beyond the limited pay period. In this video, nationwide disability insurance lawyers Gregory Dell and Jay Symonds discuss multiple issues surrounding the mental nervous limitation clause. Our disability benefit lawyers have helped hundreds of claimants to secure benefits beyond the mental nervous limitation period. We always offer a free initial phone consultation and we are available to assist you anywhere in the country.

Comments (2)

  • Mr. Scott, please contact our office to discuss your claim further and to best present your brain injury as being organic in nature.

    Stephen Jessup Sep 5, 2016  #2

  • I have a Aetna LTD for my two hands/elbows. However, Aetina said they would consider the whole picture of my disability issues, to make a stronger case for continuing my policy beyond the 24 month period. My brain disability is not mental, it’s organic, due to multiple head injuries. I fear, Aetna will terminate for the brain issues and disregard the bilateral, carpal tunnel and ulnar Entrapment. The latter of which I was released from work. I also have a Federal and Social Security disability retirement, both of which say, I cannot work but, Aetna does not consider. I have kept, pain log/sleep logs. And I’m on multiple narcotics and muscle relaxers. I look forward to hearing from you.

    Mr. Scott Sep 2, 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   *****

Chad B. (Illinois)

I originally spoke with 3 other long term disability lawyers about my case before contacting Dell and Schaefer. None of those law firms would take it. They said the chances of me winning was not good. After finding Dell and Schaefer online I spoke with one of the attorneys that has since left. He did take my case but later it was picked up by Rachel Alters. Rachel is amazing and a very intelligent attorney. She not only won my case but also was able to get my back pay for 6 months.

I also cannot say enough about Sonia Nogueira. Sonia was always quick to answer any of my questions. I would usually hear back from her within hours of sending her a email. I do not know where I would be if I hadn’t contacted them. My family and I cannot thank them enough. Don’t let an insurance company tell you they are not responsible for paying you. I paid them for 20 years monthly and they looked for any reason they could not to have to pay me when I needed my benefit. Thank you Rachel and Sonia for all you guys do.

***** 5 stars based on 202 reviews

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