Reed group overturns its decision to terminate short term disability benefits to medical device sales representative and retired marine corp. officer suffering from post traumatic stress disorder

Our client was a former officer in the United States Marine Corp with combat service in both Iraq and Afghanistan, who upon retiring from the USMC began working as a medical device sales representative in an operating room setting. For two years he experienced no problems entering operating rooms as part of his occupation. However, in April of 2009, he witnessed a surgical procedure that led him to experience an extreme panic attack, which forced him to leave the operating room. He sought treatment for the panic attack and was ultimately diagnosed with Post Traumatic Stress Disorder.

Unable to perform all of the material and substantial duties of his occupation, he filed for short term disability benefits under his employer’s policy. The Reed Group, acting as the administrator of our client’s short term disability policy, approved his benefits.

In August of 2009, our client received notice from Reed Group that they were terminating his benefits, arguing his disability was “connected” to his service in the military and was therefore excluded under the policy. He contacted attorneys Stephen Jessup and Gregory Dell to assist him in filing his appeal for benefits. A review of the denial letter and his short term disability plan revealed that Reed Group was manipulating policy language in an attempt to deny benefits.

An appeal was filed, which argued that Reed Group misinterpreted policy language, and that under the policy the only conditions which would be excluded under the policy were those which were a “result” of military service. Medical records revealed there were no symptoms while our client was serving his country, nor were there any symptoms in the two years following his service and while working for his employer.

Attorneys Jessup and Dell argued that our client’s PTSD was not a “result” of his service in the military, but rather as a result of his occupation as a medical device sales rep, as he did not suffer any symptoms of, nor was he diagnosed with PTSD until well after his service in the USMC.

Upon review of the appeal, Reed Group reversed their denial an approved our client’s claim for disability benefits.

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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.

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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.

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Dell & Schaefer Client Reviews   *****

Steven W.

“Whatever it Takes”, and you can take that to the bank, as I did. I was declared disabled in March 2010 after unsuccessful Back surgeries, CSC Implants, numerous other treatments, all which failed. I was (and still am) in constant pain requiring medication therapy and managment. June 2012, after receiving my benefit for 18 months I received a letter from my CIGNA case worker stating I no longer meet the contract definition of Disability. Therefore they stopped my benefit immediately. My numerous attempts at trying to resolve my Reinstatement Request was bogged down with hidden agendas, request for test after test, loosing documents from critical doctors supporting my claim, never returning my calls.

I contacted Dell & Schaefer, Alex Palamara, for a free consultation. He replied the same day. We spoke briefly and set an appointment the following day to pass detailed information. I faxed to him all supporting documents. In the beginning I was sceptical. But after a few weeks I could sense that they were a no BS organisation. I began to feel like they were really working hard for me. Throught the somewhat long process I was very impressed with the way they handled my case. They kept me informed of all issues via Email or calls. Never, never, did Alex (Mr. Palamara) or any of his staff fail to reply within 24 hours and usually within the same day to any of my request. I can’t say enough about the professionalism, courtesy, care, with the way they handled my case. My long hours of research have lead me to believe that Dell & Schaefer are by far the LTD hardest working informed agency out there. And, they would prove me right: as just recently I received a letter from Alex Palamara, forwarded from CIGNA stating a full reversal of my claim to begin immediately with full back pay and monthly benefits.

I cannot thank Alex and his staff enough for the fight they must have endured from CIGNA’s attorneys.

***** 5 stars based on 202 reviews

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