• Should I Stop Paying My Disability Insurance Premiums Even Though My Claim Decision Is Pending?

Should I stop paying my disability insurance premiums even though my claim decision is pending?

Disability Insurance Attorney Cesar Gavidia discusses a common question asked by every person that files a short or long term disability insurance claim.

A disability insurance claimant should always continue to pay premiums until such time that their disability insurance carrier advises that they do not need to do so. The reason to continue paying is that if your policy lapses and the insurance company denies your claim, then you no longer have any coverage. Alternatively, if you have a private disability insurance policy and your claim is denied, you still maintain your disability coverage as long as you continue to pay premiums.

In most ERISA governed group disability policies as soon as you are no longer employed your disability coverage terminates, therefore there is no premium to pay unless you exercise a right to convert the policy. Some group policies offer the benefit of converting the group policy to an individual disability insurance policy when you leave your employer.

I often get calls or get asked by clients if they should stop paying their insurance premiums even though their claim hasn’t yet been approved or the claim has been denied. The last thing you should do, until the insurance company advises you in writing that you can stop paying your insurance premiums, is stop paying them. You should continue to pay them as long as you can afford to and as long as you can because if you stop paying those premiums, the policy will cease to be enforced. So if they’re reviewing your claim or your claim has been denied, God forbid you’re walking across the street and you get into some sort of accident and you are in the hospital or unable to do anything at all or unable to do your occupation based on another condition, then you no longer can file a claim at that time; your policy is not in effect, you can’t do anything. You should continue to pay those premiums, again, until your insurance company has advised you in writing to stop paying your insurance premiums that they’re being placed on waivers. So if you have any questions regarding your payment of your insurance premiums or the progress of your disability claim with your insurance company, please don’t hesitate to contact us.

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Questions About Hiring Us

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   *****

Lisa S.

I came to Dell & Schaefer after an attorney firm in Maryland decided in August they could not win my case and decided to drop me with my Appeal for LTD with Aetna due in October. I contacted Dell & Schaefer and sent the firm my information. They assigned me to Rachel Alters who is the best. She explained to me it normally takes 4-6 months to do an appeal, but Rachel assured me she would do her very best to win my Appeal in the limited time we had remaining to submit an Appeal.

Rachel worked very hard and we had some long phone calls, even though I have never met Rachel face to face I feel she is part of the family. I got a call from Rachel the beginning of December letting me know we won the case and that Aetna would be reinstating my benefits. There is nothing more I could ask for. Winning an appeal for LTD would not have been possible with out the law firm of Dell & Schaefer.

***** 5 stars based on 202 reviews

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