Neurosurgeon awarded partial disability benefits

Our attorneys were able to quickly procure total disability benefits for our client, a neurosurgeon, following his back surgery. Eventually, our client was able to return to practice part time, and thus, we advised both insurance carriers that this doctor now qualified for partial disability benefits, as he could not perform the duties of a neurosurgeon for the amount of time and to the extent that he did prior to his back surgery.

The response by both UNUM Provident and Berkshire Life was to request an inordinate amount of information and documentation regarding this doctor’s pre and post disability duties and earnings. While we made every attempt to comply with the relevant requests, the insurance companies continued to ask for even more information and refused to make a determination under the pretense that the claim was still under review.

Rather then subject our client to months of review and no benefits, we were able to get him a lump sum payout equal to six months of total disability benefits while UNUM and Berkshire reviewed the claim. Within that six-month period, our client was deemed partially disabled. He continues to work in a reduced capacity and now receives a monthly benefit. As is the case with all our clients, we remain available to this doctor should a problem arise in the future.

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FAQ

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   *****

CJ K.

It is traumatic enough to endure a disability. Mr. Dell and staff’s guidance made the paper work and claim process invaluable. Many thanks to the firm.

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