Stephen Jessup and Gregory Dell discuss their experience in handling claims with Principal Financial
Principal Financial is one of the more interesting disability insurance companies to deal with. They sell both individual disability and ERISA group disability policies. Our disability insurance lawyers have helped hundreds of Principal Financial policy holders at all stages of their short or long term disability claims.
In this video, nationwide disability insurance lawyers Stephen Jessup and Gregory Dell discuss their experience handling claims with Principal Financial. We welcome you to contact us for a free consultation to learn how we may be able to assist you.
Resources to Help You Win Disability Benefits
Disability Benefit Denial Options
Submit a Strong Principal Appeal Package
We work with you, your doctors, and other experts to submit a very strong Principal appeal.
Sue Principal
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Principal.
Protect Your Benefits
Get Your Principal Disability Application Approved
We help claimants throughout the entire application process.
Prevent a Principal Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.
Negotiate a Principal Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Principal Reviews
(661)
Policy Holder Rating
5
0%
4
0%
3
0%
2
56%
1
43%
Timely Payments
2.3out of 5
Handling Claim
1.8out of 5
Customer Service
1.8out of 5
Dependable
2.0out of 5
Value
2.0out of 5
Showing 8 of 661 Reviews
Principal
Sorry, Principal. My residual and renewal commissions aren't "earned"
(CAPS are added by me for emphasis:) I am a self-employed insurance broker working only on commissions. I was disabled due to surgeries and received some income replacemen... read more >
Reply
Principal
Principal will do anything not to pay
Hello, I’m writing this on behalf of my wife. Her vision has degraded to the point that she no longer is able to see a pc screen without extreme headaches within a few m... read more >
Reply
Principal
Principal is absolutely ridiculous. I'm in financial harship after not receibing my full pay from work and exhausting my long term sick
I was placed on medical leave after suffering from vertigo and later diagnosed with Meniere’s Disease. I was put on medication. During these episodes of vertigo, I was n... read more >
Reply
Principal
Principal owes me 60k
I had a lawyer for my long term disability claim but they wouldn’t sue them for me because the company I worked for sent them a letter saying I didn’t work but 3 hrs a... read more >
Reply
Principal
I lost everything when Principal terminated my benefits without calling or emailing me
I went on short term disability August 1st of 2013 I had to get my left thumb total reconstructed. After 6 months of short-term I went on long-term. My company told me I h... read more >
Reply
Principal
I cant but feel I am being starved out and given the runaround.
I went off of work may 29, 2015, with a blood clot in my leg. I have had vein surgeries in the past to alleviate pain and discomfort, all of which I took vacation on a Fri... read more >
Reply
Principal
Principal owes me 4k
Purchased short term disability through my employer with this group. I’ve been out of work since 2/29/16. Haven’t received the first pay. Contract is I’m supposed to... read more >
Reply
Principal
I've never worked with people that are so obviously stalling before. Bunch of crooks
I have been disabled for over 10 weeks and Principle kept saying the forms incomplete so they needed all the medical records from my doctor, including office notes. After ... read more >
Reply
Answered Questions by Our Lawyers
(25)
Showing 8 of 25 Answered Questions
Q: Can Principal deduct my social security payment from my monthly Principal disability benefit payment?
A: Does you disability policy say social security retirement is deductible? If it does then they are allowed to d... Read More >
Q: Is child support arrears considered an income offset for Principal LTD?
A: Lisa, no I don’t believe it is. Read More >
Q: Why did Principal not back me when Social Security did?
A: Durron, I am sorry to hear that your LTD claim was denied. While there are different standards for approving L... Read More >
Q: What is the difference between time period of the claim while approved and the time period of the claim while denied?
A: Mark, please gather all the correspondence concerning your claim and please contact us for a free consultation... Read More >
Q: Will Principal harass me if I don't accept their buyout? And, is it standard for a buyout to be lower than the full benefit paid over time?
A: Jan, I have not experienced retaliatory actions form Principal for refusing a buyout offer. As to your second ... Read More >
Q: Can Principal's independent physician determine what I can and cannot do?
A: APC, it is difficult to know what they courts would do or how they would weigh the opinion of Principal’s co... Read More >
Q: Do I have to pay Principal back once I receive back pay from SSA?
A: Toni, if your policy was an employer provided policy then almost certainly the policy would contain language t... Read More >
Q: Can Principal take away my deceased husband's 3 month survivor benefit? They justified it saying he was eligible for SSDI when he didn't even apply.
A: Michele, I am sorry to hear of your loss. We would need to see a copy of the disability policy to determine an... Read More >
Helpful Videos
(915)
Showing 12 of 915 Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips
Principal Disability Benefit Denial Options
If you've recently received a disability insurance denial letter from Principal Disability or are worried that your claim for long term disability benefits is about to be denied, you may be wondering about your next steps. Here at Dell & Schaefer, we've helped thousands of disability claimants overcome an initial denial to eventually secure the long term disability insurance benefits they deserve. Learn mo... Read More >
Stephen Jessup and Gregory Dell discuss their experience in handling claims with Principal Financial
Principal Financial is one of the more interesting disability insurance companies to deal with. They sell both individual disability and ERISA group disability policies. Our disability insurance lawyers have helped hundreds of Principal Financial policy holders at all stages of their short or long term disability claims.In this video, nationwide disability i... Read More >
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... Read More >
How Do You Fight a Long-Term Disability Denial?
Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... Read More >
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
One of the top reasons for terminating a claimant's long term disability benefits involves the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >
Dell Disability Cases
(374)
Showing 8 of 374 Dell Disability Cases
After Principal Denies Continued Disability Benefits, Attorney Alexander Palamara Gets Claim Reinstated for a Vienna Beef Employee
Our new client was a dedicate employee of Vienna Beef who worked as a Customer Service Representative (a sedentary occupation) since August 2013. He was a dedicated employee as she enjoyed the job and loved her employer. Unfortunately for our now client, medical issues seemed to be piling up and they began to affect her ability to perform the duties of her own occupation.The Former Customer Service Re... Read More >
Principal reinstates benefits of Orthopedic Surgeon unable to work full-time after Attorney Rachel Alters submits Appeal
Dr. S is 47-year-old left hand dominant Orthopedic Surgeon who was forced to stop working full-time effective May 2, 2016, due to progressively worsening left arm pain which significantly impacted his ability to perform the material and substantial duties of his occupation on a sustained basis. He has a well-documented history of degenerative disc disease, spondylosis with C5-6 neuroforaminal stenosis, and C6 ... Read More >
Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Claimant With Trigeminal Neuralgia
Ms. R contacted our firm after her claim for Long Term Disability (“LTD”) benefits was denied by Principal Life Insurance Company.Before becoming disabled, Ms. R worked as a Litigation Support Assistant for a large, busy law firm. Ms. R had been experiencing head pain for several years with the symptoms first appearing in August 2012 and gradually worsening over time. In July 2015 her symptoms became s... Read More >
Administrative Appeal by Dell Disability Lawyers forces Principal to Reinstate ERISA Long Term Disability Claim of Former Healthways, Inc. Employee
After being forced to stop working in 2007 due to various disabling conditions, an employee of Healthways, Inc., who was employed as a Member Care Manager, filed for Long Term Disability Benefits under a policy provided by her employer that was through the Principal Life Insurance Company.Shortly after applying for LTD benefits, by way of an approval letter dated October 23, 2007, Principal agreed that the... Read More >
Principal Approves Long Term Disability Benefits for Surgeon
Our client was a highly successful Podiatric Surgeon who was suffering from severe neck pain due to two crushed cervical facet joints with resultant nerve impingement. Despite his best efforts to continue to work in his capacity as a surgeon the pain and associated numbness and weakness was making it increasingly difficult to effectively examine and treat his patients. The pain became so severe and his concern... Read More >
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Our client was employed with the State of Oregon as a Technical Support Representative. She sought disability through her employer provider LTD Policy with Standard due to low back, hip, and lower extremity pain. She had two hip, two knee and three back surgeries.After paying her for 1.5 years Standard hired a board-certified neurologist to perform a review ... Read More >
Sun Life Wrongfully Denies Disability After Paying For 23 Months
We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for many years. Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Our client, a registered nurse for Dignity Health, found herself in a difficult situation after being diagnosed with lumbar spondylosis and left knee arthritis. She continued to work, however, struggled while attempting to work through chronic lower back pain and left lower extremity radicular symptoms on a daily basis. Sadly, her condition failed to improve and... Read More >
Disability Lawsuit Stories
(765)
Reviews from Our Clients
