Principal Approves Long Term Disability Benefits for Surgeon
Our client was a highly successful Podiatric Surgeon who was suffering from severe neck pain due to two crushed cervical facet joints with resultant nerve impingement. Despite his best efforts to continue to work in his capacity as a surgeon the pain and associated numbness and weakness was making it increasingly difficult to effectively examine and treat his patients. The pain became so severe and his concerns for the safety of his patients and his own health left him with no choice but to walk away from his life’s work and a highly successful medical practice. Shortly thereafter he filed his claims for long term disability benefits under his individual policies with Unum and Principal.
What is taking so long?
After filing his claim for benefits our client contacted Dell Disability Lawyers and spoke with Attorney Stephen Jessup. During an initial consultation he discussed with Attorney Jessup the nature of his medical conditions, his occupational duties and surgical schedule as a Podiatric Surgeon, and advised Attorney Jessup that Unum had quickly approved his claim for benefits. Our client expressed his concerns over the seemingly long amount of time it was taking Principal to render a decision. Attorney Jessup requested copies of all correspondence to and from the insurance carriers and a copy of our client’s disability policies. Upon receipt and analysis of the information Attorney Jessup scheduled a follow up consultation with our client to discuss his rights and options.
Alleviating the stress
As our client had been a very successful surgeon and medical practice owner, he was concerned about the financial ramifications of stepping away from the practice of medicine and even more concerned about whether his insurance companies would honor their obligations under the policies, as his only source of income would be from his disability benefits. Not wanting to risk making any mistakes in dealing with the insurance carriers, he hired Dell Disability Lawyers to manage the monthly handling of his claim.
Acting quickly, Attorney Jessup sent out letters of representation to both Unum and Principal. As Unum had already awarded benefits, Attorney Jessup focused the majority of his attention to Principal. The elimination period under the Principal policy had already passed and Principal was still evaluating our client’s medical records and his medical production reports to determine his occupational duties. Concerned that Principal might be erroneously categorizing our client’s occupation as that of a Podiatrist, and not a Podiatric Surgeon, Attorney Jessup emphasized the importance of the differences with specific attention to the physical demands of the latter.
Only two weeks after being retained, Attorney Jessup was able to secure our client’s benefit with Principal. Additionally, he has also been able to get Unum to agree to reduce the reporting requirement for additional forms to once every three months as opposed to monthly.
Don’t risk your financial security
For many medical and business professionals the proposition of walking away from their life’s work and the financial security that often comes from same is a daunting and scary thought. Not only are you faced with coming to terms with a new understanding of who you are now that your identity as a doctor/professional has radically changed, but also with the concerns of financial security. For many their long term disability insurance policies will often serve as their main source of income. As such, it is wise to leave little to chance and consult with a qualified attorney who is experienced in dealing with disability insurance companies and who understand insurance company tactics. As much as one would like to think that an insurance company will honor their obligations, it is not at all uncommon to find yourself faced with an onslaught of information requests and scrutiny from your insurance carrier.
If you are thinking about filing a claim for disability benefits; have already filed a claim and are awaiting a decision; or you are already on claim and want to have an attorney maintain the monthly handling of your claim please feel free to contact our office for a free consultation to discuss how we may be able to assist you in securing disability benefits under the policies you have been dutifully paying premiums on for years.
Resources to Help You Win Disability Benefits
Get Your Principal Disability Application Approved
Prevent a Principal Disability Benefit Denial
Negotiate a Principal Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Principal is absolutely ridiculous. I'm in financial harship after not receibing my full pay from work and exhausting my long term sick
Q: Can Principal deduct my social security payment from my monthly Principal disability benefit payment?
Q: What is the difference between time period of the claim while approved and the time period of the claim while denied?
Q: Will Principal harass me if I don't accept their buyout? And, is it standard for a buyout to be lower than the full benefit paid over time?
Q: Can Principal take away my deceased husband's 3 month survivor benefit? They justified it saying he was eligible for SSDI when he didn't even apply.
Stephen Jessup and Gregory Dell discuss their experience in handling claims with Principal Financial
After Principal Denies Continued Disability Benefits, Attorney Alexander Palamara Gets Claim Reinstated for a Vienna Beef Employee
Principal reinstates benefits of Orthopedic Surgeon unable to work full-time after Attorney Rachel Alters submits Appeal
Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Claimant With Trigeminal Neuralgia
Administrative Appeal by Dell Disability Lawyers forces Principal to Reinstate ERISA Long Term Disability Claim of Former Healthways, Inc. Employee
Principal Life denies disability benefits to a physician and then seeks attorney fees after physician's disability denial is affirmed by Texas Judge
Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.