Real estate agent recieves lump sum settlement from Unum Provident after appeal is filed

After UNUM Provident denied a real estate agent’s third claim for income policy replacement benefits, she hired Dell & Schaefer to help her secure the benefits to which she was entitled under the terms of her income replacement policy.

For a number of years prior to her filing this particular claim for benefits, our client received benefits from UNUM Provident for two accidents. Initially she was unable to work due to the injuries sustained in a slip and fall accident. Income replacement benefits were issued for a few years. Almost immediately after her return to work, our client was injured in an automobile accident, and thus, could not sell real estate and/or earn her previous level of income. Once again benefits were issued until she was able to actively engage in real estate sales.

Unfortunately, after her physical injuries from the automobile accident resolved, she once again became unable to earn money selling real estate. This time, however, the cause of her disability was a number of mental disorders, including depression and anxiety. Despite medical evidence clearly showing that these conditions were unrelated to either the slip and fall or the automobile accident, UNUM denied her claim stating that, under her policy, they were not obligated to pay benefits for a concurrent disability that is related to a previous claim.

Our attorneys filed a lengthy appeal and attached medical records, financial information and other supporting documents in support of our position. Additionally, an attorney was present during all telephone conversations and interviews between our client and UNUM as well as during the interview of her treating psychiatrist.

Based on the information and arguments presented to UNUM Provident by Dell & Schaefer, UNUM agreed to settle our client’s claims for the monies due and owing to her from the date of her disability to the time she was able to fully return to work as a real estate agent.

Questions About Hiring Us

Do you help Provident claimants nationwide?

We represent Provident 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 Provident disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Provident. 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 Provident.

How do you help Provident claimants?

Our lawyers help individuals that have either purchased a Provident 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 Provident:

  • 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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