• Disability Attorneys Dell & Schaefer Legal Services
  • Disability Insurance Attorneys Dell & Schaefer, Helping The Disabled Since 1979
  • Why Is It Important To Hire A Disability Attorney Experienced With ERISA Disability Claims?

We help individuals to get paid short and long-term disability income benefits, life and long-term care benefits owed by an insurance company. Our lawyers do whatever it takes to make disability insurance companies honor the terms of the contract they sold you. Whether your claim has been denied, is pending or you are considering applying for benefits, our lawyers are available for a free immediate consultation to discuss your options.

How Can We Help You?

ERISA Disability Appeal

If your disability income claim has been denied and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal to the same company that denied your claim. Our law firm has handled thousands of ERISA appeals against every disability company and we want you to learn more about why its important to file a very strong appeal.

ERISA Disability Lawsuit

If all of your ERISA disability appeals have been denied, then you have the right to file a lawsuit in federal court. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a lawyer that has handled thousands of disability denial lawsuits against every disability insurance company. Learn what to expect and the challenges in an ERISA Lawsuit.

Private Disability Denial

If you purchased a disability income policy from an insurance agent or through a group association then your disability policy should be exempt from ERISA, which is a great thing. We have helped thousands of individuals to collect long term disability benefits and we know the unreasonable denial tactics used by the disability insurance companies. There are many options available to get your disability benefits paid.

Applying For Benefits

One mistake can result in your claim for disability insurance benefits being denied. The application for disability benefits is the foundation of your claim. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved. We welcome you to review important information about the applying for disability benefits.

Claim Handling

This is a unique service we offer in which we manage every aspect of your claim for disability income benefits. The disability company only interacts with our law firm. Many claimants either don’t trust or experience aggravation dealing with their insurance company. Learn how we can manage your disability claim.

Lump-Sum Buyout

Lump sum buyouts and disability buyouts are occasionally offered by some disability insurance companies. We have negotiated hundreds of lump settlements with every major disability insurance company. Our goal is to get you the highest buyout possible.

Life Insurance

We handle life insurance claims that involve waiver of life insurance premiums for a disabled policyholder and denial of life insurance and/or accidental death and dismemberment claims. Life Insurance companies will look for either policy exclusion or pre-existing condition as a basis to deny your claim. We have helped hundreds of claimants with their life insurance claims and we will provide you with a free immediate consultation.

Long Term Care

Long-Term care benefits are frequently challenged in the same manner as long term disability insurance claims. Long term care insurance companies rely on hired gun doctors to determine that a claimant is not eligible for benefits. We have handled long term care claims against all of the LTC insurance companies and we want to help you get paid.

4 Times You Can Hire a Disability Insurance Attorney: Applying, Monthly Claim Handling, The Appeal Process & the Litigation Process

We appreciate you taking the time to consider our law firm. We know that dealing with a disability insurance claim is stressful because of your medical condition and the fear of the disability company not paying your claim. For more than 40 years our law firm has been helping claimants to pursue benefits against insurance companies. We want you to feel comfortable knowing that we are experienced and will do whatever it takes to get your claim paid. We provide a lot of information on our website so that you can learn about how we can help you and how we have helped thousands of claimants nationwide to collect their benefits. Contact us for a free immediate phone consultation with one of our disability insurance lawyers.

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   *****

Maria K.

It was a great experience I had with the whole team. Whoever I worked with through out the whole process was very responsive, detail and time sensitive. The cost arrangement was discussed up front so I knew exactly what my cost would be. My case was discussed in person, all the documentation I had available, I provided. Some specific statements were requested of me, friends and family. It was reviewed by Dell & Schaefer and it was determined that I had a strong case.

The appeal was submitted before the deadline and I had a copy of it to review. I was very pleased of the whole content of the submission. I read all the strong points of the appeal and I knew at that point that it was a very strong appeal case and one way or another Dell & Schaefer would win the case. It was a matter of principal for me and I feel that I got my point across to my employer. I could’ve waited to go through a trial but I did not because I really did not want to have this issue hanging over me any longer so agreed to settle my case.

They are very detailed, responsive, up-front, they tell you if you have a strong case, tell you the angle that they’ll use to go after your case, get all the appropriate documentation so as to back-up everything they say, they are time sensitive and keep you updated as time goes by. They are a great team! I had my concerns at first because they are not local but they gave me all the time I needed to have any discussions and ask any questions.

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