Monthly Claim Handling

We have created a checklist below to highlight the numerous advantages of having our disability lawyers manage your long term disability claim. Many claimants have told us that by having our attorneys manage their claim it is like “insurance on top of insurance”.

1. All communications to our office only
2. No random calls with you and company
3. No unannounced visits from the company
4. Complete all claimant statements with you
5. Help prepare all attending physician statements
6. Make sure benefits are paid timely every month
7. We regularly review your medical records
8. Guidance for information that must be in your records
9. Prepare you and attend any interviews with company
10. Make sure you are satisfying the policy requirements
11. Limit the scope of insurance company request
12. Prepare you for insurance company medical exams
13. Prepare your doctor for any disability company call
14. Offer advice as to what you can or cannot do
15. Alleviate the stress of dealing with disability company
16. Insurance companies won’t play games with us
17. Prepared to take legal action if claim was denied

We have handled LTD claims against every disability insurance company and we have become the number one resource on the internet for information about every disability company. Please select your company below to learn about your disability company and our experience in helping people with a claim similar to yours.

Once approved for disability benefits, most disability insurance policies require a claimant to submit monthly claim forms in order to prove continued eligibility. Additionally, some carriers will require an Attending Physician Statement on a monthly basis from the claimant’s treating doctor.

Attorneys Dell & Schaefer provide on-going legal representation for individuals that have been approved for long term disability, in which we are the exclusive point of contact between the disability insurance carrier and our client. The carrier sends all written correspondence and any request for documentation to our office. It is our responsibility to make sure that all claim forms, attending physician statements, medical records, financial documents, or any other documents are provided in a timely manner to the insurance company, so as to protect our client’s disability benefits.

Furthermore, our representation ensures that a claimant always has a lawyer backing them up and ready to take legal action if the disability insurance company tries to deny benefits. Disability insurance companies will jump on any opportunity to deny a claim, therefore it is important that every document sent to the insurance company is reviewed and scrutinized. A mistake as simple as checking a box saying that you can lift 15 pounds instead of 5, could be a reason for the insurance company to deny your claim. The medical records of your own doctor also need to be closely reviewed as there could be detrimental information in your records from a recent office visit.

Disability insurance companies frequently deny claims when a new claims examiner takes over the handling of your claim. For example, we recently received a call from a claimant that Prudential insurance company denied their claim after paying for 18 years. The woman had a brain injury, and Prudential felt that she was better because she could go to the mall and go shopping with her husband.

For most of our clients, we understand that your long-term disability insurance payment is your only source of income. Most clients that hire us for the application process will continue to have us represent them throughout the duration of their claim. Please contact us if you would like more information about our monthly claim handling services.