Illinois Mutual

Disability claimants are often seeking information regarding Illinois Mutual long term disability reviews. We have created a forum where insurers can post reviews and comments about Illinois Mutual short term and long term disability claims. Our attorneys respond to most comments posted by our visitors.

Illinois Mutual Life Insurance Company is headquartered in Peoria, Illinois and is a provider of life insurance, disability insurance, workplace insurance and annuity products. Founded in 1910, the Company conducts business in 47 states through more than 18,200 independent agents, with nearly 220 employees working in their home office. Illinois Mutual was recently ranked 127 in the Top 200 Life Writers in the United States. Illinois Mutual recently posted $1.268 billion in admitted assets.

As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Illinois Mutual and its affiliated companies. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Illinois Mutual:

Application for long-term disability benefits with Illinois Mutual
Application for short-term disability benefits with Illinois Mutual
Monthly claim handling of Illinois Mutual long-term disability insurance claims
Appeal of a Illinois Mutual denial of long-term disability benefits
ERISA appeal of an Illinois Mutual denial of long-term disability benefits
Lawsuit against Illinois Mutual for denial of long-term disability benefits
Lump-sum buyout of an Illinois Mutual long-term disability insurance policy
Department of Insurance complaints against Illinois Mutual for wrongful delay and denial of long-term disability benefits

For assistance with your Illinois Mutual disability insurance claim, please fill out our contact us form or call Attorneys Dell & Schaefer for a free consultation at 800-682-8331.

Recently Resolved Cases (3)

Cases & Claim Tips (8)

Comments (4)

Fed-Up,
I am not sure as to what legal assistance you are looking for at this time. Are you looking to try to cash in on the policy now or just trying to seek clarification for when age 65 does come?
Stephen Jessup Nov 21, 2013 #4
Disability Policy with Illinois Mutal for 14 years, since February 1998 they have been deducting monthly from my checking account. A recent job change and insurance selections made me check on existing policies and when I inquired Illinois Mutual informs me that I do not have Surrender Value Rider on this policy. Well, I kept the original policy in a locked fireproof safe all these years and it reads in black and white:
‘At age 65, the surrender Value Rider returns 100% of all premiums paid, less claims paid to you’. Further reads: ‘In addition to receiving a cash lump sum at age 65, you could also convert the premium refund to a monthly income for 180 months of $118.46, Annual income at age 65 payable for 180 months $1,421.52 or total income paid over 180 months of $21,322.73’. They are tyring to tell me it was just a normal Disability policy – which is a crock – at 34 years old when I did this it was for investment reasons and I zero concern on any Disability Policy – was sent up through financial counselling. I have short and long term disability through work.
I am getting no where with Illinois Mutual and may have to turn this over to an attorney. I did write a letter giving them 14 days to respond in writing prior to me turning over to legal and that I had the original policy and PDFs a copy of the above that was attached to the policy on their letterhead to them and issuing agent.
Any suggestions?
Fed-up in Michigan! Nov 20, 2013 #3
There is no standard in the Insurance Industry as to definiitions as to what is construed as “Long Term” and “Short Term”. Each company has thier own opinion. As a customer for 22 years, the claims representative only allowed payment for 3 months. Then they made a statement saying that “I was able to return to light duty work”. Yet, the Office of Occupational Standards, identifies that if swelling occurs, I am not eliigable for light duty. Becoming an advocate for myself, Illinois Mutual has not paid the last 3 months of claims. I filed for Social Security Disability and was denied saying thier records showed, maybe, I could do light duty in Feb of 2012. But, I know that they plan a surgey to take hardware out at that time. So, faithfully paying premiums for 22 years and now an Advocate fighting for me. I am asking that the Agency that sold thier policies stop and look at other carriers. It’s obvious I am not the first complaint, and will fight to my best for my rights.
Edward A. Svajgl Sep 22, 2011 #2
My father Michael Shefcik has been with Mutual Illinois for 25 years and during the 25 years used this policy once, got only about 1900 dollars after almost cutting his arm off with a chain saw… and it then was an act of God to get that much… but against my advice to my father we kept the policy. He encountered hard times due not having full function of his hand, so I took over paying his policy $67 a month. Well all of a sudden for the past 5 months they began taking $267 dollars out and when I called and asked “what in the world is going on” I was told he was now at a risk age, his birthday in next March and he will be 50… I can not even begin to comprehend how the persons in charge of this can sleep at night… Off of my father alone he has payed in thousands, and thousands of dollars and without him verifying to pay such an increase you all take it upon yourselves to do so and it wasn’t like a 10 dollars increase, it doubled… Is this how valued customers such as my father is treated… I find this to have been a total scam!!! Needless to say I had to cancel his policy he has had with them for 25 years…
Traci Shefcik Nov 19, 2010 #1

Questions About Hiring Us

Do you handle ERISA Illinois Mutual appeals?

If your disability income claim has been denied by Illinois Mutual and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Illinois Mutual. Our law firm has handled thousands of ERISA appeals against Illinois Mutual and we will prepare a very strong appeal on your behalf.

Do you help with Illinois Mutual applications?

The application for disability benefits with Illinois Mutual is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Illinois Mutual. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Illinois Mutual. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Illinois Mutual.

Do you file Illinois Mutual lawsuits?

If Illinois Mutual has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Illinois Mutual. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Illinois Mutual. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Illinois Mutual.

Can you help with a Illinois Mutual disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Illinois Mutual and we know the unreasonable denial tactics used by Illinois Mutual to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Illinois Mutual.

Do you manage Illinois Mutual monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Illinois Mutual disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Illinois Mutual. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Illinois Mutual. Illinois Mutual only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Illinois Mutual lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Illinois Mutual. Our disability lawyers have established relationships with the people at Illinois Mutual that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Illinois Mutual. Our goal is to get you the highest buyout possible.

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 *****

Terri E. (Maryland)

The process has been exactly how I had hoped it would be. Disability is a scary, unfriendly process, even for those of us who have worked in the claims administration area. It seems to be designed to deny benefits with complicated rules, burdensome documentation requirements, and constant requests for information to the beneficiary and my doctors. As a patient/beneficiary, you can feel like you are all alone and that you spend too much time jumping through hoops for the disability provider.

After a few months of doing it myself, I realized I wanted an advocate who could advocate for me with the provider and answer all of my questions on the Erisa process and rules. I interviewed one attorney in Maryland who was actually adversarial with me (his future client) so it was an awesome breath of fresh air when I interviewed Stephen Jessup. He was polite, extremely knowledgeable, upbeat, and calm! He helped me to understand the process and where I stood in it.

He and Vanessa communicate and keep me apprised of events within my case and make recommendations on actions I should take to proactively help my case win approval (e.g., Functional Capacity Evaluation). They are truly my safety net and well worth every penny because they help manage the disability provider and my doctors as well as ensuring I am on track in the process. I don’t think I would have survived this without them.

***** 5 stars based on 202 reviews

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