Jefferson Pilot’s denial of long-term disability benefits to a quality control manager is reversed

Our client, a Texas resident, contacted Attorneys Dell & Schaefer following her initial application denial and first appeal of her disability denial by a prior law firm. This woman, suffering from chronic neck and back problems, a stroke, depression, headaches, and memory loss, had been a quality control manager for a large corporation. The client was unable to perform an work and was seeking total disability benefits.

The client’s disability policy defined Totally Disabled as “unable to perform each of the main duties of her occupation because of an injury or sickness.” Jefferson Pilot had her medical records reviewed by a nurse and came to the conclusion that our client could perform sedentary work. Jefferson Pilot unilaterally determined that our client’s job was sedentary, despite a letter from our client’s employer stating that her job required the ability to perform light to medium duty task.

Within three months of Dell & Schaefer being retained, we were able to resolve the claim in our clients favor and recover all of the benefits that had not been paid for the previous 16 months. Through a detailed analysis and dissection of Jefferson Pilot’s reasons for denial of our client’s claim, Dell & Schaefer was able to prove our client’s entitlement to long-term disability benefits. The successful appeal required the coordinated efforts of a vocational rehabilitation expert and our client’s treating physicians. Furthermore, Jefferson Pilot was advised of potential ERISA violations which prevented our client from receiving a full and fair review of her claim.

In addition to paying all back benefits owed, our client requested that Dell & Schaefer approach Jefferson Pilot and determine whether the insurer was interested in a lump-sum cash buyout of the remaining value of her policy. The carrier was interested and a lump-sum buyout of the policy in exchange for surrender of the policy was negotiated to our client’s satisfaction. The lump-sum buyout terminated any further relationship between the client and Jefferson Pilot. For additional information about lump-sum buyouts please visit the lump-sum buyout section of our website.

Questions About Hiring Us

Do you help Jefferson Pilot claimants nationwide?

We represent Jefferson Pilot clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Jefferson Pilot disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Jefferson Pilot. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Jefferson Pilot.

How do you help Jefferson Pilot claimants?

Our lawyers help individuals that have either purchased a Jefferson Pilot long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Jefferson Pilot:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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, 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.

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