• How a Lawyer Helps With Disability Claim Handling
  • Be Prepared For Change of Disability Definition
  • Attending Physician Statements are Biased For Claim Denial
  • Disability Benefits Wrongfully Denied After 12 Years
  • Can You Work and Collect Disability?
  • Can Disability Company Call Your Doctor?
  • Doctors Must Document Your Records Accurately
  • Disability Claimant Statement Tips
  • Continue Medical Care Or Benefits Will be Denied
  • How to Prepare and Tips for Attending A Disability Insurance Medical Exam (IME)

Monthly Claim Handling

Many individuals think that a disability benefit claim approval means that the claim will remain approved as long the claimant wants. The disability company can deny a claim at any time and it doesn’t matter if you have been on claim for 6 months or 20 years. The reality is that the disability company is always looking for a reason to either deny a claim or deny benefit payments. Every month the disability insurance company employee assigned to your long term disability claim is required to review your claim and make a determination if you remain eligible for benefits.

We offer a flat fee monthly claim handling service in which our disability lawyers handle every aspect of your long term disability claim. For more than 20 years we have managed the disability claims for hundreds of individual’s nationwide receiving long term disability benefits. Our goal is to make sure your disability benefits continue for as long as you need them.

We have prepared several videos above that provide tips for handling a long term disability claim and how we help claimants to prevent claim denial.

Benefits of Having a Disability Lawyer

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

Our Experience With Your Disability Company

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.

DISABILITY INSURANCE COMPANY INFORMATION
Videos, Questions, Resolved Cases, Lawsuit Summaries & Company Reviews

disability insurance companies complaints

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.

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.

Reviews   *****

Dennis W. (Florida)

If it weren’t for Attorney Rachel Alters, I would have probably been living on the streets, living in a cardboard box, or maybe not even be here today. I was denied numerous times by my own Short Term and Long Term Insurance Company that I had paid years of premiums to. I figured that since it was my Insurance Company that I wouldn’t have any problems with submitting a claim and getting it approved. Was I wrong… Then the claims adjusters started playing head games with me each time I contact them or mailed them any additional information. Nothing seemed to matter. Eventually I would always get a rejection/denial letter in the mail. I was so irritated and frustrated as I also had to deal with my illness and go without any income for almost 2 years.

I even researched and contacted numerous local lawyers. They would either state that they wouldn’t take the case, take the case and either do nothing with the file or at a later date contact me to inform that they didn’t practice in that particular area. This included all the Attorneys and Firms that you see advertising on the television, including the Large Law Firms. Theses firms actually didn’t have the expertise nor the experience in the area of Traumatic Brain Injury, as it was a fairly new unknown area. This was prior to the publicizing of Traumatic Brain Injuries regarding NFL Football Players committing suicide (retired or ex-football players) as well as Professional Boxers. Now all of the sudden those same Attorneys and Large Law Firms are advertising for cases with Traumatic Brain Injuries and Insurance Disability Claims like they dealt with them in the past, which is definitely not the case.

I was stuck between a rock and a hard place. So I went researching on the internet and found Dell & Schaefer and watched their videos and so on. I contacted their company and was given an appointment with Attorney, Rachel Alters. She went to bat for me. Fought the Giant (Insurance Company) and won, whereas all these other Attorneys and Large Firms wouldn’t even touch my case. Attorney, Rachel Alters was even willing the take the case to court. She went to battle against a Large Insurance Company and won without going to court!

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