• Important Steps to Take for an ERISA Disability Benefit AppealImportant Steps to Take for an ERISA Disability Benefit Appeal

What are the important steps to take when filing an ERISA disability denial appeal?

In this video about ERISA disability appeals, disability insurance lawyers Gregory Dell and Rachel Alters discuss some of the most important steps that should be taken in order for a claimant to have the best opportunity to win disability benefits. The video has been produced for educational purposes and you should contact us to discuss the specifics of your disability denial. While a claimant is not required to hire a lawyer for an ERISA appeal, our video addresses the multiple reasons why it so important for a claimant to have guidance when trying to take on a disability insurance company. Time is of the essence in an ERISA appeal and the appeal must be completed in a strategic matter in order for a claimant to win. Our disability insurance attorneys help claimants nationwide and we are available to take immediate action on your claim denial. Do not delay if your claim has been denied and take immediate action.

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There are 2 comments

  • Anon,

    With respect to ERISA disability policies I have only seen a shortened period to file an appeal (less than 180 days) during a second voluntary or mandatory appeal.

    Stephen JessupMar 19, 2015  #2

  • So I appreciate all the info you provide to insureds. Thank you very, very, very much with your site’s helpful information, I hope that I am managing my claim well enough to avoid a denial. I have been on claim since 2001 and my policy copy that I obtained then, and read now, clearly says to file an appeal within 60 days. 60 days seems a terribly short time period given all the needed time it seems I may need, if needed, with your help, to craft a successful appeal.

    Would you comment on something I read elsewhere, that the time frame to appeal older (pre 2002) Erisa policies is limited to 60 days and 180 days if the disability arose after?

    AnonMar 18, 2015  #1


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   *****

EH, M.D.

I am a physician with a long medical history including cancer, arthritis, peripheral vascular disease, and Complex Regional Pain Syndrome (formerly RSD). I expected to retire early. However, my health and work deteriorated rather rapidly. Suddenly I was no longer working and needed help negotiating my benefits. The first two attorneys I met were personally recommended. I soon learned that they had either limited or no experience with private LTD policies. I searched the internet for more information about Long Term Disability claims. The Dell & Schaefer website kept popping up with the answers to my questions. I liked both the text explanations and the videos. With nothing to lose, I requested a free consultation.

From the beginning, Attorney Steven Dell and legal assistant Merlin Bryan have been consistently honest, professional and patient. During my initial phone conversation with Steven Dell, it was clear that he understood both my medical conditions and my work situation. He had already read my LTD policies and was familiar with both the Unum and the Hartford insurance companies. Steven Dell is an excellent, thorough attorney. What does that mean? First, he knows what information is needed to submit a claim. Early on, he gave me a checklist of items he needed. At times, it felt like a part-time job, finding all of the financial, employment, and medical records he needed. Yet Steven Dell and Merlin Bryan were very patient whenever I had a health setback. They actually understood that folks with health problems have problems filling out paperwork. Second, he picked up the phone and contacted lawyers, human resources, personnel and insurance agents to keep the paperwork moving. Third, he is relentlessly thorough. I submitted hundreds of pages of paperwork. He actually seems to have read them! He double checked that dates, numbers and statements were accurate. He would not submit any paperwork until any discrepancies were discussed and resolved. At this time, two LTD claims have been approved and I have received my first benefits. I have nothing but respect and gratitude for this law firm. Thank you!

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