• 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.

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.


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.


Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

Michael C. (Virginia)

Greg Dell and his assistant Anneli have been extremely responsive and helpful, not only our initial consultations, but in follow-ups 1 and 2 years later with the insurance company to ensure that they comply with their agreements (which they did), as well as a separate and only slightly-related inquiry about our health insurance. I always hear back from them very quickly, which is rare and greatly appreciated.

Jeff P. (Oklahoma)

After a very long and frustrating ordeal to keep my LTD payments coming I decided to seek assistance from and attorney. After much research and asking those in the legal profession Dell & Schaefer seemed to be the top choice. I reached out and Alex Palamara was the attorney assigned to my case. All I can say is the experience was outstanding. Both Alex and his Paralegal, Danielle Lauria were excellent to work with. They were very kind, concerned, understanding of my frustrations and treated me with the utmost respect. Communication was excellent with regular updates and telling me what I could expect in each stage of the process.

Alex was also very straight forward with what to expect and no pie in the sky promises or expectations were made. In the end we won our case and I believe it was solely due to their experience and knowledge of not only the laws but the insurance companies as a whole. I would highly recommend them and am very grateful for the help they afforded to me.

Chad B. (Illinois)

I originally spoke with 3 other long term disability lawyers about my case before contacting Dell and Schaefer. None of those law firms would take it. They said the chances of me winning was not good. After finding Dell and Schaefer online I spoke with one of the attorneys that has since left. He did take my case but later it was picked up by Rachel Alters. Rachel is amazing and a very intelligent attorney. She not only won my case but also was able to get my back pay for 6 months.

I also cannot say enough about Sonia Nogueira. Sonia was always quick to answer any of my questions. I would usually hear back from her within hours of sending her a email. I do not know where I would be if I hadn’t contacted them. My family and I cannot thank them enough. Don’t let an insurance company tell you they are not responsible for paying you. I paid them for 20 years monthly and they looked for any reason they could not to have to pay me when I needed my benefit. Thank you Rachel and Sonia for all you guys do.

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us