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Lloyds of London

Disability claimants are often seeking information about Lloyds of London long term disability reviews. We have created this page where insurers can post reviews and comments about Lloyds of London disability claims. Our attorneys respond to most comments posted by our visitors.

Lloyds of London was founded in the late 17th century and was incorporated in 1871 as Society of Lloyds. Lloyds of London is a uniquely organized British insurance market. It does not sell insurance per se, but regulates a market through which insurance contracts are transacted. It serves as a meeting place where multiple financial backers, underwriters, or “members”, whether individuals (traditionally known as “Names”) or corporations, come together to pool and spread risk. Unlike most of its competitors in the reinsurance market, it is not a company.

The organization is a society of individuals and, since 1994, corporations that accept liability for claims under insurances accepted on their behalf. Lloyds brokers act on behalf of their clients. Underwriters accept risk from the brokers for the syndicates, which, in turn, are the actual business units that sell insurance they provide insurance after a premium is paid in the Lloyds market.

Lloyd’s syndicates write a diverse range of policies, direct insurance and reinsurance, covering property, motor, liability, long-term disability insurance, marine, aviation, catastrophe and many other risks. Lloyds has a unique niche in unusual, specialist business such as kidnap and ransom insurance, fine art insurance, aviation insurance, marine, etc. In the disability insurance industry Lloyds is known for selling long-term disability insurance policies that are generally only 5 year terms and offer benefits that are in excess of any other disability insurance coverage that a person may have already own. Lloyds also writes disability buyout policies for companies in the event that one of the business owners were to become disabled. As of December 31, 2008 Lloyds posted profits of £1.9 billion British pounds.

As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Lloyds of London 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 Lloyds of London:

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

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FAQ

Do you handle ERISA Lloyds Of London appeals?

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

Do you help with Lloyds Of London applications?

The application for disability benefits with Lloyds Of London is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Lloyds Of London. 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 Lloyds Of London. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Lloyds Of London.

Do you file Lloyds Of London lawsuits?

If Lloyds Of London has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Lloyds Of London. 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 Lloyds Of London. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Lloyds Of London.

Can you help with a Lloyds Of London disability Insurance denial?

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

Do you manage Lloyds Of London monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Lloyds Of London disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Lloyds Of London. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Lloyds Of London. Lloyds Of London 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 Lloyds Of London lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Lloyds Of London. Our disability lawyers have established relationships with the people at Lloyds Of London that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Lloyds Of London. 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   *****

Joy K.

I contacted Dell & Schaefer to help when UNUM disability insurance company refused to pay my claim. Cesar Gavidia took my case and helped me all the way through, negotiating a settlement that was so helpful to me in my disability. He was very supportive and kept me informed every step of the way. It made our efforts very worthwhile.

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