Prevent A Disability Benefit Denial
Many individuals think that a disability benefit claim approval means that the claim will remain approved as long the claimant wants. The disability company can deny a claim at any time and it doesn’t matter if you have been on claim for 6 months or 20 years. The reality is that the disability company is always looking for a reason to either deny a claim or deny benefit payments. Every month the disability insurance company employee assigned to your long term disability claim is required to review your claim and make a determination if you remain eligible for benefits.
We offer a flat fee monthly claim handling service in which our disability lawyers handle every aspect of your long term disability claim. For more than 20 years we have managed the disability claims for hundreds of individual’s nationwide receiving long term disability benefits. Our goal is to make sure your disability benefits continue for as long as you need them.
We have prepared several videos that provide tips for handling a long term disability claim and how we help claimants to prevent claim denial.
Benefits of Having a Disability Lawyer
We have created a checklist below to highlight the numerous advantages of having our disability lawyers manage your long term disability claim. Many claimants have told us that by having our attorneys manage their claim it is like “insurance on top of insurance”.
- All communications to our office only
- No random calls with you and company
- No unannounced visits from the company
- Complete all claimant statements with you
- Help prepare all attending physician statements
- Make sure benefits are paid timely every month
- We regularly review your medical records
- Guidance for information that must be in your records
- Prepare you and attend any interviews with company
- Make sure you are satisfying the policy requirements
- Limit the scope of insurance company request
- Prepare you for insurance company medical exams
- Prepare your doctor for any disability company call
- Offer advice as to what you can or cannot do
- Alleviate the stress of dealing with disability company
- Insurance companies won’t play games with us
- Prepared to take legal action if claim was denied
Our Experience With Your Disability Company
We have handled LTD claims against every disability insurance company and we have become the number one resource on the internet for information about every disability company. Please select your company to learn about your disability company and our experience in helping people with a claim similar to yours.
Once approved for disability benefits, most disability insurance policies require a claimant to submit monthly claim forms in order to prove continued eligibility. Additionally, some carriers will require an Attending Physician Statement on a monthly basis from the claimant’s treating doctor.
Attorneys Dell & Schaefer provide on-going legal representation for individuals that have been approved for long term disability, in which we are the exclusive point of contact between the disability insurance carrier and our client. The carrier sends all written correspondence and any request for documentation to our office. It is our responsibility to make sure that all claim forms, attending physician statements, medical records, financial documents, or any other documents are provided in a timely manner to the insurance company, so as to protect our client’s disability benefits.
Furthermore, our representation ensures that a claimant always has a lawyer backing them up and ready to take legal action if the disability insurance company tries to deny benefits. Disability insurance companies will jump on any opportunity to deny a claim, therefore it is important that every document sent to the insurance company is reviewed and scrutinized. A mistake as simple as checking a box saying that you can lift 15 pounds instead of 5, could be a reason for the insurance company to deny your claim. The medical records of your own doctor also need to be closely reviewed as there could be detrimental information in your records from a recent office visit.
Disability insurance companies frequently deny claims when a new claims examiner takes over the handling of your claim. For example, we recently received a call from a claimant that Prudential insurance company denied their claim after paying for 18 years. The woman had a brain injury, and Prudential felt that she was better because she could go to the mall and go shopping with her husband.
For most of our clients, we understand that your long-term disability insurance payment is your only source of income. Most clients that hire us for the application process will continue to have us represent them throughout the duration of their claim. Please contact us if you would like more information about our monthly claim handling services.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
What a mess
Reply
I was disabled 2003 by SS. I got SSDI 7 years too late.
Only care about $$$$$
Reply
They falsify documents and avoid contact as much as possible.
This company is a scam!
California State Disabilty "OFFSET" never mentioned or outlined when enrolling for STD coverage.
Not getting paid
Sedgewich is the worst-immediate denial of all requests for treatment. Rubber stamps DENIED ALL RFA’s
Can a disability attorney manage all aspects of my long-term disability insurance claim?
If I am already receiving long-term disability benefits, what actions can I take to help prevent denial of disability benefits?
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Nearly Three Years Later, Sedgwick Finally Pays Walgreens' Pharmacist's STD and LTD Claim
Lincoln Reversed Decision to Deny Benefits of Project Manager Suffering from Chronic Paroxysmal Hemicranial Cluster Headaches
Principal Approves Long Term Disability Benefits for Surgeon
Cigna Reverses Long Term Disability Denial And Admits Denying Benefits To Attorney Stricken With Parkinson's Was Wrong
Metlife Admits Decision To Deny Ltd Benefits To Claimant With Chronic Fatigue Due To Congestive Heart Failure Was Wrong
MetLife Long-Term Disability Denial Of Disabled Yamaha Motors Corporation Manager With Genetic Disorder Is Reversed Following ERISA Appeal
MetLife Reinstates Benefits to Financial Advisor Suffering From Restless Leg Syndrome & Insomnia
Hartford Admits Decision to Deny LTD Benefits to Claimant with Chronic Lyme Disease Was Wrong
Reviews from Our Clients






