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Testimonials from Clients of Cesar Gavidia

Testimonial from Lynn W.

Cesar and his team were great to work with. They took the hassle out of applying for my disability claim which was awarded in full. They helped coordinate getting all the information they needed back and forth between my doctors and employer and insurance company. Always available via email or phone.

Why would you recommend Attorneys Dell & Schaefer?
Easy to work with, reliable communication, very effective at their job.

What could we do to improve?
Nothing. Experience has been great. Whole claim took a while to get approved but that was due to insurance company delays, not from Dell and Schaefer.

Lynn W., Illinois

Testimonial from Diane S.

Cesar was wonderful. I was given three different attorney firms by someone (I can’t even remember the other ones) but he was the second call I made and stopped there. Both Cesar and his legal assistant were so kind and helpful. Any time he called me for information or with a status of my case he was so sensitive to my needs/issues. He was honest and up front and very fair.

Cesar fought for my settlement and ended up getting me more than I had even asked for. He is 1st class. I hope I never need his services again, but if I do I sure won’t hesitate to call him personally. He gives attorneys a good name.

Would you recommend Attorneys Dell & Schaefer?
In a heartbeat.

What could we do to improve?
I can’t find a thing I would change.

Diane S., California

Testimonial from Megan B.

My experience has been a delight. I filled out the consultation form and was contacted immediately. Cesar and Michal were not only professional, but personable. They kept me informed throughout the process, and was available to address any questions or concerns I had. This team worked together and got my benefits re-approved in a short period of time. They have handled everything effortlessly and efficient. Might I add during the time I first started working with them a hurricane hit where their office was located. They never skipped a beat and did not push me aside. They continued to stay in contact and work my case, now that’s commitment!  Even after my benefits were re-approved, they continue to provide excellent service and are there for me whenever I need.

Why would you recommend Attorneys Dell & Schaefer?
I recommend this firm because they truly care about their clients. They take pride in helping individuals fight these big insurance companies. The peace of mind I’ve received is priceless. I trust they are doing everything they can for my benefit. This firm not only has the skills to win your case, but also provides a high level of personal service. I’ve always felt valued as a person, and not just another case.

Basically, if you want to get benefits, keep benefits, be treated with dignity, kindness, and respect, hire this firm! I cannot thank this firm enough for making my life better.

What could we do to improve?

Megan B., Virginia

Testimonial from Michael W.

Dell & Schaefer did such a marvelous job in handling my Lump Sum Longterm Disability claim, that I have to take my hat off, and give them a standing ovation! Cesar and his assistant Michal were not only very professional, but they handled my case in a very expedient way. Both Cesar and Michal were prompt in returning my calls and answering my questions, which is rare for an attorney. Not only did they obtain the lump sum amount that was promised to me by the insurance company, but they increased the amount by a few thousand dollars. As a man of God, I want to thank God for using Dell & Schaefer to resolve my case, but also for the integrity in which they showed. Thanks to the entire Dell & Schaefer legal team, and may God bless you to have a long and prosperous legal business!

Why would you recommend Attorneys Dell & Schaefer?
Because they not only work fast, but they uphold the promises they make.

What could we do to improve?
Absolutely NOTHING!

Michael W.

Testimonial from James C.

Wonderful in every way. Great communication with me and with the carrier. Walked me through a very difficult time in my life. Received full benefits under the disability contract thanks to Cesar and his firm.

Would you recommend Attorneys Dell & Schaefer?
Yes, in a heartbeat.

What could we do to improve?
Not a thing.

James C.

Testimonial from Todd P.

I would like to thank you and your firm for the fantastic job that you did on my disability denial case. From the moment that I first contacted you up to the moment that I received my notice of you winning my appeal your service was beyond exceptional. My case was not an easy one, because I had waited to file an appeal which caused a very limited time frame for your firm to act. Even though your back was up against the wall you never made me feel rushed to deliver paperwork and you always kept me in the loop of how far we were along in the process. Whenever I sent an email I received an instant response. Whenever I called, someone was always available to answer my questions.

After winning my case I sent in my direct deposit info and two days later my first disability check was in my checking account. Everyone that had a hand in my case was a true professional. I cannot stress enough how service like this in today’s world is just not heard of anymore.

Why would you recommend Attorneys Dell & Schaefer?
They really care for you as a person. You are not just a number at this firm.

What could we do to improve?
Absolutely nothing at this time.

Todd P.

Testimonial from Craig

Cesar and Michal helped me through my case against Prudential. That only touches the surface. I suffered a bad injury which made me a challenge as I often didn’t recall what was said and to whom.

Cesar took the leap of faith to help me but he didn’t treat me like a client but more as if I was part of your family. I don’t know how you were able to get transform the team to have such a great attitude but by far I must say I am treated well from the moment I called, retained your firm it helped me through the minute I faced IME’s. Cesar demonstrates empathy and cares for his clients. I know that I made the right decision to select your firm and am fortunate that firms such as yours are around to help go up against big companies.

I truly am happy to send you a note to advise of my complete satisfaction.

The first and most important matter you have at hand is to take care of your health and let your retained lawyers handle the information needed to not only be approved for Long term disability but also to make sure that your claim is managed for the duration of your disability. The disability is a matter that may last a lifetime.

A thorough online yelp review was held prior to conversations with Cesar Gavidia Esq. and Michal Mizrahi from the firm of Dell and Schaefer I decided to retain them to handle my disability claim. The law-firm has an elaborate web page that demonstrates their ability to go up against all the largest insurance with a stellar track record.

The ERISA law is complex and if you decide to battle the insurance company without representation the odds will be stacked against you. An insurance company has one goal alone and that is to generate profits. The representation of Cesar Gavidia Esq. and Michal Mizrahi Mirzarahi were responsible for the successful appeal and approval of my case.

An Insurance company typically will deny or delay the claim as the penalty for denial or delay is non-existent. In my case, I was prepared with retained council Cesar Gavidia Esq and Michal Mizrahi who prepared and submitted the ERISA appeal. The document was complete and included information to demonstrate that I was disabled and overturned a previous denial from Prudential.

I’m not only happy to say that I picked the right firm but that I have developed a trusting relationship with combination of Cesar Gavidia Esq. and Michal Mizrahi from the firm of Dell and Schaefer.

Cesar Gavidia Esq. or Michal Mizrahi will pick up calls and take the time to explain what is being done by the insurance company or return the call in a timely basis if they were busy. This was after I had signed to be represented.

I never met Cesar Gavidia Esq. or Michal Mizrahi in person but I consider them my friends versus just attorneys that have been hired.

Craig, California

Testimonial from Angela G.

Working with Cesar and Michal at Dell & Schaefer was a great pleasure. It was a rather “long distance” relationship (Illinois to Florida), but that did not matter. I do not have internet at home, but can get access at another location, and they were willing to work around my limited internet access and my schedule. They would send documents by email that needed signatures, and would call me directly if something was needed urgently. They were available for questions, usually the same day, but always within 24 hours. Cesar was very upfront from the beginning about what he needed from me as well as what the possible outcomes could be, good or bad. I’m am happy to say my case was successful!! Though I am happy the case is resolved, I will miss working with Cesar and Michal, they are very nice and very concerned people, and they want the best for their client. Thank you so much for everything!!

Why would you recommend Attorneys Dell & Schaefer?
Dell & Schaefer was recommended to me by my SSD law firm when my LTD insurance denied my appeal. Like my SSD law firm, Dell & Schaefer specialize in LTD claims. Because that is all they do, and they have been in business for a long time, they must be good at it. And, I am satisfied with the outcome of my case… we won!! Yeah!!

What could we do to improve?
I have always been told, at least on employee performance reviews, that there is always something about one’s performance that can be improved. Darned if I can find anything that I would say needs to be improved about the experience or the efforts made to resolve my case. I suppose I could wish that the case had been resolved sooner, but that is not within Dell & Schaefer’s control, and Cesar was upfront about the time frame from the beginning. Sorry?

Angela G., Illinois

Testimonial from Pat

My experience with Dell & Schaefer, especially attorney Cesar Gavidia and his staff was excellent. I contacted Dell & Schaefer when I needed help as my disability insurance carrier terminated my benefits at the 2 year mark of my disability. I spent about 2 months putting together what I thought may be a decent appeal of that decision. However, the further I got into the workings and gaining some understanding of how the appeals worked under ERISA, I realized there was a lot at risk and only had one shot at it. I sought advice from an immediate family member who is also an attorney and was advised “get a firm that specializes in this type of work, then get the best”. Hence my decision to chose Dell & Schaefer.

Upon acceptance of my case, I felt that I was the center of attention for Attorney Gavidia. I had already used up 1/3 of the 180 days allotted to file the appeal working on my own so we were in a bit of a time crunch. Hundreds of pages of medical records the detail of the termination of benefits, my disability policy and several other different documents were delivered to attorney Gavidia. In short order those documents were reviewed and our strategy of appeal was discussed and developed. Necessary appointments and evaluations were coordinated and our appeal was submitted before the 180 days had expired. At the 45 day mark my insurer requested a 45 day extension on the decision. I was advised by Mr Gavidia’s assistant Michal who reassured me that this happens in most appeals. At the 90 day mark we received a favorable decision on the appeal, benefits were reinstated and back pay was awarded, but the story was not over.

After the initial termination of benefits by my insurer, I was alienated and expressed my desire with attorney Gavidia to try and find an amicable separation for all parties. Attorney Gavidia tactfully used some facts and disputes of the initial claim to open conversation with the insurer’s attorneys. He developed a dialog proposing, although I remain totally disabled as defined by my plan, a lump sum buy out of my future monthly disability benefits. Attorney Gavidia was successful in reaching an agreement that was acceptable to all parties and made sure that I had the final say on acceptance or not.

Thus, working with Dell & Schaefer I had my benefits, which had been terminated, restored, received back-pay for benefits that were withheld and missed, and successfully and satisfactorily “divorced” from my insurance provider in the form of a lump sum buy-out of my future disability benefits.

Why would you recommend Attorneys Dell & Schaefer?
I would recommend Attorneys Dell & Schaefer for the following reasons:
– They get the desired results!
– They have the resources and expertise to handle complex cases.
– They strive to understand the clients situation and desires.
– They made me feel that I was the #1 priority and client.
– They were very responsive to telephone and email inquiries.

I chose Dell & Schaefer as I searched for “the best” I could find in this area or expertise. I was not disappointed. If I were starting over again today my choice would remain Dell & Schaefer.

Pat, Florida

Testimonial from Sachem C.

The best part about the experience working with Dell & Schaefer was that my attorney was upfront, honest, and transparent. He did not try to be a salesman and make promises about a case outcome. He was extremely direct about the way that things work and what he thought he was able to do for me. I valued this, because it is extremely rare to receive cut and dried information like this.

Why would you recommend Attorneys Dell & Schaefer?
They could not have made this experience any easier for me. After I completed all the paperwork on my end, they were able to handle the case professionally and proficiently with very little effort on my part.

What could we do to improve?
I had no real issues to note.

Sachem C.

Testimonial from Dawn P.

I had to quit working after 8 years of dealing with chronic pain from 2 bulging and torn discs from an injury and failey back surgery. I was approved for Long term disability through my employer benefits, with Unum. They covered me with payments for one year, and suddenly sent a letter that their doctors disagreed with my surgeon and pain management doctors, and they felt I could go back to work full time. I hired a local attorney, trying to save some money, but I don’t think he had much experience dealing with big LTD companies such as Unum. He filed terrible appeals on my behalf with little to no effort on his part of building a good case for me. After a year of dealing with his condescending attitude and loosing my final appeal, I decided to call up Dell & Schaefer. I had contacted them a year prior when searching for an attorney. Cesar was willing to take my case and felt I had a good one. But I didn’t want to pay the percentage he was asking for if we won back then.The old saying, “you get what you pay for”, proved to be true in this case and I regretted not hiring him from the beginning!

Once I did hire him, and thank goodness he was still willing to take my case even though he was dealing with defending poor appeals by my previous lawyer, things got moving along for me. Because of his years of experience dealing with Unum, and his record of wins against them, within 6 months we had a settlement I could live with! The stress I suffered before Cesar and weight on my shoulders was gone! Cesar is a kind, caring, attorney who will fight for your rights! His assistant Michal always talked to me when I called in with questions or to check up on my case and never made me feel bad for calling. It was nothing like the previous relationship I had with my other attorney and his staff, who avoided me. Cesar explains the process well and keeps you updated on your options throughout the process. He was worth every penny!

I am grateful for their representation and would recommend anyone with an ERISA case to call him!

Why would you recommend Attorneys Dell & Schaefer?
Because of their proven record with Unum.

Dawn P.

Testimonial from Mr. & Mrs. S

You work with many people throughout your life, but few people touch your life in such a positive way beyond the settlement. We truly felt that Cesar cares about the people Dell & Schaefer serves. We may not cross paths again but we will always pray that the work you do continues to be successful on many levels. It is obvious that you also take your work to heart and we choose the right person to be our attorney.

Best regards, Mr. & Mrs. S

Testimonial from Kathy C.

I consulted with Attorney Cesar Gavidia when my disability insurance benefits were cancelled after 4 and a half years, even though my doctor said that there was no change in my condition and did not recommend that I return to work. He accepted my case and was able to obtain a good settlement in a timely manner.

Why would you recommend Attorneys Dell & Schaefer?
I highly recommend Attorneys Dell & Schaefer because they get the job done. Attorney Cesar Gavidia and his legal assistant were always there to answer any questions I had. They gave me hope when I was feeling hopeless. During the times when I was feeling anxious, they consoled me and helped me to be patient.

What could we do to improve?
Just keep on doing what you do best, helping people like me.

Kathy C.

Testimonial from Rose L.

My husband had paid for private disability insurance from the first year he worked. 30 some years later he filed a claim, it was denied. Together we submitted the claim 3 times, all times denied. We had no income and were rapidly using up any small savings we had. I searched on the internet, specifically looking for success with my husbands disability provider and found this firm. Within 2 months we had disability payments and when, yet again, the company stopped them after a year with no warning, this firm kept going. We could always call or email and get answers. Everything was explained to us and if there were options, we were given them. It has been a long process but we have a settlement and our lives can move forward. We are grateful for the help we were given by this firm and we recommend them highly.

Would you recommend Attorneys Dell & Schaefer?

What could we do to improve?
Nothing that I can think of.

Rose L.

Testimonial from R. R.

I am very pleased that Mr. Gavidia was able to get my husbands disability insurance with Cigna re-instated. It took time, due to Cigna & the games they play. It is also VERY reassuring that if (& probably when) Cigna denies his disability status again, Dell & Schaefer will be there immediately to speak for us. Neither my husband nor I have the ability to fight Cigna by ourselves, we feel very fortunate that Mr. Cesaar Gavidia did it for us.

Part of the reason we pursued this matter is the principle involved here, they had no reason to cancel his disability other than Cigna is a very money greedy company. It is a extremely rewarding feeling knowing that Cigna did not get by with this in our case. I wish that was the case for everyone.

If you are in the same situation as we were, please give this company a call & find out your options.

On a personal note – Thank You Cesaar!!

Why would you recommend Attorneys Dell & Schaefer?
They were honest about everything involved. Also we got the results we needed, & could not fight ourselves.


Testimonial from William A.

I was hoping for some sort of settlement with my long term disability insurance company but to be honest I didn’t expect to win my case. I contacted Dell & Schaefer in hopes of at least pleading my case. Mr. Gavidia took my case and to his credit and the firm settled for an amount that was more than I expected. Hats off to Mr. Gavidia and his fine staff. Really great people, and so professional.

Why would you recommend Attorneys Dell & Schaefer?
U.S. News ranks them as one of Americas best law firms. I agree. Without their expertise, I would not have won my case.

William A.

Testimonial from Jill L.

As an attorney who found herself in the shoes of a litigant against an insurer on a disability policy, I found Cesar Gavidia and his assistant Michal, wonderful. I was distraught with grief over losing a child. Proceeds from my disability policy were keeping my practice afloat until the insurer turned on me and not only terminated my benefits but was demanding tens of thousands of money back. It was a terrible time for me and my family (losing our child is still devastatingly difficult). Once Cesar took my case, I was able to let him take care of the battle with the insurer so that I could focus on other issues: my grieving, my family, and trying to stay in practice. My family and I are grateful for his representation.

Why would you recommend Attorneys Dell & Schaefer?
I would recommend Cesar Gavidia because he is bright, caring, informed, and knowledgeable. He and his staff are always professional and caring. I do not hesitate in recommending him. You will be in good hands and lucky to have him take your case.

Jill L.

Testimonial from O. Lee

My experience with Dell & Schaefer has and continues to be, outstanding. First, I would personally like to thank Cesar for his experience and expertise in handling my case in addition to his wonderful “legal – eagle” assistant Michal. All communication was handled as though he was across the table from me as he was consistently available whenever I needed him to explain the process and steps regarding the awarding of my LTD benefits that were denied after my in-house appeal. He was ON MY SIDE the entire time and believed in my case from the beginning and fought for it. I am extremely happy and satisfied with the outcome and if it weren’t for him and his team’s efforts, persistence and preservation, I would have given up. Please do not engage in a LTD denial alone without contacting this firm. They will not sugarcoat anything and they are honest and their integrity is impeccable. You are not alone. They are here for you and I am so glad I made the phone call. Again my deepest thanks to Cesar. You and the Dell & Schaefer team have unlocked the bars of cage I thought I was in.

Why would you recommend Attorneys Dell & Schaefer?

What could we do to improve?

O. Lee

Testimonial from Sherrie E.

Hi, it was a pleasure to work with Cesar, he was very honest and worked extremely hard on my case. I can’t say enough good about my experience with your law group. Thank you Danielle and Cesar!!

Why would you recommend Attorneys Dell & Schaefer?
Very thorough, honest and upfront about all aspects of your case. I had total confidence in Cesar and would recommend him to anyone.

What could we do to improve?
Not a thing!!

Sherrie E.

Testimonial from Hugh

Dear Cesar,

Thank you very much for taking the time to talk to me today about my sister. I want to say how refreshing it is to speak to someone who so obviously has an interest in helping people and views his client relationships as long term. I am very impressed, and will not hesitate to recommend you to anyone I come in contact with who may need a disability insurance attorney.

Best regards


Testimonial from Dr. Robert F.

A year ago August I had the unfortunate situation where i injured my left hand playing in a recreational adult ice hockey game. My first reaction was fear, panic , and my work career is In danger. Having a job as a physician my hands are critical in day to day life but more important to do my job. I remembered at that point a local radio discussion about disabilty and knew that I had bought a policy 20 years ago and never thought I’d need it but always paid the policy just in case of a potential need. I contacted dell and schaefer and I must say it was one of the best decisions of my life. Now my attorney,Cesar all I can say is THANK YOU!! Michal THANK YOU!! It at times going through the process was nerve racking scary but they walked me through it and always were their for my questions and concerns. When your life changes in one second you you don’t know how to react. The group at dell and schaefer do. They understand not only what your going through but realize its individual for each client but always take a personal interest in your concerns. All I can say is my life has changed but choosing dell and shaefer to assist me in my claims process was one of the best decisions I ever made in my life

Thank you Cesar , michal, and the whole firm. I’m with you for life
Regards dr rob f

Would you recommend Attorneys Dell & Schaefer?
Absolutely !!!!

What could we do to improve?
In my personal case nothing.

Dr. Robert F.

Testimonial from Michael K.

I contacted Dell & Schaefer after my disability claim from MetLife was denied. After researching other people’s experience with MetLife disability, I realized I needed professional help if I was going to win my claim. I contacted Dell & Schaefer and have been dealing with Cesar Gavida. Cesar is a dedicated professional with vast experience in dealing with MetLife. He is an expert at navigating the minefields and roadblocks that MetLife uses to deny claims.

Why would you recommend Attorneys Dell & Schaefer?
I would recommend Cesar Gavida and Dell & Schaefer without hesitation. Cesar did a lot of work on my claim including getting all pertinent doctors records, handling all communications with MetLife and doing everything necessary to win my case. Cesar believed in my case and worked tirelessly to gather evidence to support my claim. In dealing with MetLife. You need an advocate that will spare no effort on your behalf. MetLife spares no effort in denying your claim, therefore you need someone like Cesar on your side.

What could we do to improve?
I cannot think of anything that could be improved. Whenever I had a question or concern, someone always answered my question.

Michael K.

Testimonial from Charles A. M.D.

I am very humbled to have the privilege to write this testimonial on behalf of Dell & Schaefer and more specifically, Mr. Cesar Gavidia. Unfortunately, after suffering from Essential Benign tremors for numerous years I lost a career for which I dearly loved. I was a dental implant surgeon whose accomplishments are quite humbling. I devoted my entire career to my patients, employees, colleagues and students. Upon discovery of my disability, I contacted Mr. Cesar Gavidia for professional guidance. Upon meeting Mr. Gavidia, I inquired of his knowledge, years of experience, colleagues and most importantly his “Passion” to represent each and every client. What I discovered was a very sincere Gentleman with a tremendous depth of knowledge regarding my disability policies and many others aspects of business law. During the last five (5) years of my career I could have increased the benefits of my disability policy. However, I failed to do so. I thought I had all of the answers. I was wrong! I would encourage each and every reader to consult with an expert such as Mr. Cesar Gavidia prior to entering into a “Disability Insurance Contract”. Or at least shortly thereafter. You will be enlightened to learn the details and how they will affect you if you incur a career ending disability. You owe it to yourself and your family to understand your DISABILITY POLICY. Mr. Gavidia’s ability to explain the most important details was masterful. My initial conversation with Mr. Gavidia reminds me of our patients and how we sometimes would fail to explain things in laymen’s terms. And we wondered why our patients were confused? Now I know.

I would further suggest that you conduct an annual review of your policy with Dell & Schaefer to ensure your understanding and expectations to protect yourself and your loved ones. I am fortunate. I thought I had performed my “Due Diligence”. I had to a minimal level. Had I taken the initiative to contact this excellent group of experts, early on I could have protected my wife and children like a responsible spouse and father should. However, we are fortunate and blessed in that my disability insurance covers our very nominal financial requirements. We have no additional funds for our children’s college nor do we live a lavish lifestlye. I simply receive the “minimum” to get by each month. I am very fortunate to have a “true expert” to take care of me and an insurance company, who to date has honored their contract. I thought I had performed my due diligence. In retrospect I was simply naive. While considered an “expert” in my profession with the highest accolades in the world I finally realized that it is impossible to know everything. My encouragement would be to focus on your passion and expertise and let those who are experts in their field help you.

I am very, very fortunate to have sincere and professional colleagues, Mr. Cesar Gavidia and his paralegal, Ms. Danielle Lauria help me through some very difficult times. I have returned to school and recently earned my MBA so I can “get back on my feet” and continue to help those who have blessed me so much. Dell & Schaefer helped me with this too. They encouraged me to do so when I thought the world had ended. In medicine we take an oath, “Do No Harm”. That should also apply to ourselves. Make sure you take care of yourself and your loved ones. You deserve it!

Why would you recommend Attorneys Dell & Schaefer?
> Knowledge, Expertise, Professional, Reliability, Comprehensive
> Compassion
> Personality
> Concern
> Caring
> Firm
> Logical
> Detailed
> Promptness
> Willingness
> Realistic

What could we do to improve?
Spread the word to as many colleagues as possible. Utilize someone like myself on your behalf to simply share their “story” and the truth. This has been a tremendous learning experience for me and my family.

Charles A. M.D. (Dental surgeon)

Testimonial from Tracy W.

I contacted the law firm of Dell & Schaefer just to check and see if there was a possibility to settle my claim with UNUM and get a lump sum buyout. BEST decision I have ever made! Cesar called me within 24 hours of me sending a email and he discussed my claim in detail with me. Let me tell you, he not only discussed my claim detail but discussed my future plans and diagnosis, he wanted to make sure the settlement was the right option for my case. We decided to move forward with an offer to Unum for the buyout and within three weeks we had an offer. The offer that Cesar negotiated was not only fair but much more than I expected. And the best thing of all, I no longer have to deal with those monthly phone calls and interviews and having someone harass my doctors. I do not want to forget Mr. Gavidia’s assistant, Anneli Decardenas. She kept me up to date on every aspect of the case, no I did not have to call to get information, Anneli kept me informed. If I did send in a request for information I received a prompt response. Best law firm I have ever had the pleasure to have represent me. Last but not least, I did crunch the numbers and accessed my long term payments against the settlement offer, I can tell you my outcome was very fair.

Why would you recommend Attorneys Dell & Schaefer?
If you are on long term disability, you need to hire this law firm. Hands down their the best.

What could we do to improve?
Do not change a thing.

Tracy W.

Testimonial from Jack B.

I called Dell & Schaefer the day I received the LTD denial letter, and immediately spoke with attorney Cesar Gavidia. From our phone conversation he understood what I was up against. After my denial I was feeling hopeless and was ready to throw in the towel. Cesar explained to me the next step was to file a lawsuit and take the case before a federal judge. We settled the case at mediation with the insurance co. rep and their counsel.

Why would you recommend Attorneys Dell & Schaefer?
When I thought it was hopeless to try and fight the Insurance Co. and their resource, Dell & Schaefer used their knowledge in dealing with these giants, to get me a fair settlement.

Jack B.

Testimonial from Michael and Jo Ann H.

Cesar Gavidia handled our disability claim which turned out to be very complex… not the simple claim we thought. After reviewing all options and being fully advised as to all options we agreed a settlement would be in our best interests and authorized Cesar to go forward. He was able to procure an extremely good settlement under the circumstances… he was pleasant professional and extremely knowledgeable in his field of insurance disability claims. I can’t say enough good things about our experience. Our only disappointment was the understanding of all the factors involved in the claim but when faced with reality… Cesar did a tremendous job for us. And our case was resolved quickly once the decision to settle was made.

Would you recommend Attorneys Dell & Schaefer?
Absolutely. Top notch. I will be referring my clients to the firm to handle any future matters of this type.

What could we do to improve?
Nothing… everything was done as well as could be expected… and since I am a PI attorney and have handled thousands of claims myself — I can say this professionally as well. Keep up the good work.

Michael and Jo Ann H.

Testimonial from Aziz O.

Cesar Gavidia and Michal Mizrahi, are undeniably one of the most efficient and productive teams of legal experts out there. Professional, ethical, patient and relentless in the pursuit of practical and just results for their clients. Definitely recommend them both to anyone seeking legal council.

Aziz O.

Testimonial from Daniel

We all make, everyone of us, life altering decisions everyday that could and often do, save or change the course of our lives. Something as simple as driving to the market one rainy afternoon for groceries with the children carefully strapped and tucked into their car seats… safety belts secured around each one them and returning them home safely… intact – also very important….choosing the right early education program for one of those youngsters who is struggling to “keep up” in school – or maybe it’s a quality of life choice so very important to you personally like… choosing the surgeon who will repair a delicate to treat and painful spinal disc ailment that has caused you years of terrible suffering. We regularly make decisions that affect our personal and family lives within the context of the times we are living in when we make them. We place our faith and trust in the professionals we select to advise us on these and other very important matters. These “coaches”, as I will continue to refer to them, are Physicians, Lawyers, CPA’s, Financial Investment Consultants, RealEstate Professionals, Insurance Experts, etcetera. These carefully chosen advisers keep us abreast of new opportunities for healing, financial growth and security while at the same time appraising us of the risks and dangers that occur minute to minute both over and under the world’s constantly changing landscape. When the unpredicted problem arises and a major problem will happen at least once in all of our lives, we might need to turn to the “law” – the law lives and breathes and changes by virtue of human, political and technical progress. Those “Coaches”, I mentioned earlier in this memo, also rely on legal experts to help them and their young as well as you and I who they might advise having been selected by one of “us” as a “coach”. We all in the final analysis, must navigate what is often a cloudy, murky, unsure world as part of survival in and of itself.

My legal “coach”… Cesar Gavidia, who has been helping me find my way in this unsure world, is a lawyer I’m very proud to know. After taking my troubling call about a serious insurance matter, Cesar immediately set about collecting the insurance policy information and after carefully studying the insurance policy language… language with which he was and is very familiar, gave me a “gift” that I cannot repay in kind… the “gift” was faith in the law and more importantly….faith in Cesar Gavidia. If you believe as I do, that a legal “coach” is needed to help flesh out your team of professional advisors… then consider talking to Cesar. We live in a cynical world and we are all afraid of the “unknown”. Step into the knowledgable, kind, generous, professional world of “law” as practiced by Cesar… he really, really, really saved me. And although there are no absolutes… my insurance problems may need more care… a constant I can rely on and believe in is Cesar Gavidia. He will protect me by judiciously and honestly applying the “law”. As hard as it is to believe in anything we hear or read today… please believe me… because my still unfolding story just happens to be the unvarnished truth……. and Cesar will get me through these insurance issues the right way, by employing the “truth” in the law… I just know he will… i just somehow know he will……………….. Dan

Why would you recommend Attorneys Dell & Schaefer?
My experience with Cesar Gavidia is unparalleled given my limited knowledge of the legal profession. But if kind, generous, compassionate legal advice tempered with empathy and faith in the law is considered “old fashioned” then I’m “old fashioned” enough to recognize a thoughtful legitimate legal mind with a commitment to the “truth” first and then the law. The “People” make the laws and the wisdom of it’s application should be under the auspices and careful administration of talents like Cesar Gavidia… Congratulations to Dell & Schaefer… having made the decision to staff the firm with a quality talent like Cesar…… a wise investment that puts truth in the law first for each of Cesar’s clients… subsequently makes the “truth” in the law available to all of the “People”. The very “People” who craft the laws for the sake of the truth.!

What could we do to improve?
I’ve most gratefully just come in contact with your firm, Cesar Gavidia in particular, but outside of the Dell & Schaefer law practice itself is the need for the profession as a whole to take a stand on voting rights, equality under the law and most importantly the priority of improved education, nutrition and basic care of our countries children…. the future of this democracy depends on the good stewardship of those important resources…. particularly from those men and women who administer the law in their defense….. these few afore-mentioned legal, political and social challenges are “rights” not privileges and all members of the bar should fight to preserve these “best” American practices and values. My best to Cesar and to all of his team and colleagues….


Testimonial from Beth M.

Very friendly and always answered my emails. Explained things simple and very well.

Why would you recommend Attorneys Dell & Schaefer?
They work hard for you.

Beth M.

Testimonial from Meg N., MD

Working with Dell and Schaefer has been a consistently positive experience. My life changed precipitously as well as my career and ability to support my family. Over time, discussing simple issues with my disability insurer became more and more difficult. I reached a point of frustration one late afternoon from the west coast and decided to call and leave a message for the next day. Greg Dell actually picked up the phone ( It was 730 P his time) and was enormously helpful and thoughtful. That same thorough care has occurred in my ongoing relationship with Cesar Gavidia over the last 6+ years. He is organized, knowledgeable and accomplishes what needs to get done. Most importantly, but still surprisingly, he has been incredibly thoughtful, kind and empathetic —- all nice perks for those going through the torment of disability. I have come a long way in my ability to cope but knowing that I did not have to keep dealing and being demeaned with my disability insurer has meant the world. I know this seems overly enthusiastic, but it is all true.

Would you recommend Attorneys Dell & Schaefer?

Meg N., MD

Testimonial from Michael M., MD

I was a physician who developed a disabling disease. I had two disability policies. My medical practice situation was a very complicated business model. Cesar Gavidia deftly navigated me through the multiple disability policy application process. He made sure everything was done correctly. Instead of having to worry about the disability process, I was (and am) able to concentrate on my health which is the most important thing. He and his staff continue to handle all communications with both disability companies and I expect them to handle them for as long as I live. His paralegal, Danielle Lauria, made sure that all communications between me and Caesar Gavidia were always done in a timely manner. She always kept me informed.

Why would you recommend Attorneys Dell & Schaefer?
When you are paying for representation a certain level of skill and what I call niceness is expected. Both Cesar and Danielle went way beyond what was expected in both areas. They helped to make me feel safe, that everything was going to be o.k. I cannot emphasize how important such a feeling is when you are struck with a disabling condition. Therefore they and the firm have my highest recommendations.

What could we do to improve?
As the saying goes, if it is not broke, do not fix it. Dell and Schaefer serve as a model for all law firms, no matter what the specialty.

Michael M., MD

Testimonial from Gian C., MD

I was having difficulty with performing certain procedures in my job, this eventually caused severance of my relationship with my employer. My disability insurance company denied my claim for long term disability benefits and closed the case. Fortunately I was referred to Cesar Gavidia and Attorneys Dell & Schaefer. He was very prompt in taking my side and, in a short time, what seemed to be a lost case turned in my favor. I would strongly recommend him and his firm to protect ones interests in cases of disability insurance.

Why would you recommend Attorneys Dell & Schaefer?
The group is very prompt and efficient. Results matter!

Gian C., MD

Testimonial from Chris D.

My attorney made All the Right Moves to get what was coming to me as quickly as possible.

Why would you recommend Attorneys Dell & Schaefer?
They are the best. And I should know.

What could we do to improve?
Hire more guys like Caesar.

Chris D., Illinois

Testimonial from Henry H.

Well Dell & Schaefer agreed to take my case, when other firms I contacted were not sure if they could help me. It was complicated to say the least, but Dell & Schaefer cut through all the red tape and got me the benefits that I deserved. I am very pleased with the way they handled everything. If you want real resolve call Dell & Schaefer and put them to work on it, you will be happy just like me.

Henry H.

Testimonial from Melody K.

We worked with attorney Cesar Gavidia and the experience was absolutely an A++++. As a professional, I can tell you that EVERY aspect of my experience with this law firm was superior and Cesar far exceeded any expectations I had!! They don’t miss a beat! Cesar walked us through every aspect of our case. He made sure we had all the information that we needed in order to make the most informed decision. His input was invaluable and he clearly knows the ins and outs of this area of law. He’s a solid negotiator, fabulous coach and won us a terrific settlement.

Would you recommend Attorneys Dell & Schaefer?
I wouldn’t hesitate to recommend this firm. They have integrity, great follow-up and follow-through, and are on top of their game. They’ll get you the settlement you deserve!!!

What could we do to improve?
NOTHING!! Our experience was fabulous. As they say….”you guys rock!!!”

Melody K.

Testimonial from Alan L.

Cesar Gavidia handled my case and he was responsive to questions that I had from the very beginning until the end. I hired Dell & Schaefer to file a lawsuit after my long term disability claim was denied. I was represented by experienced professionals throughout the process and that fact was especially evident during the mediation phase. I was satisfied with the settlement they were able to obtain for me. Something that I could never have done on my own.

Alan L.

Testimonial from Ruth D.

My experience was amazing. I live outside of the United States (Puerto Rico) and never had to travel to submit any document or maintain direct communication with the firm. My disability claims was resolved in 1 month when I expected it to take a long time. They were very professional in their approach and very committed to their work.

Ruth D.

Testimonial from John O.

I am a financial advisor with 28 years experience and a very good knowledge of DI plans. Recently I recommended a client of mine to Cesar Gavidia after 5 different firms declined the case unless placed upon retainer. Cesar cut through it all and within a few weeks got an acceptable settlement for my client. I cannot express how pleased I am with Cesar.

John O.

Testimonial from Joy K.

I contacted Dell and Schaefer to help when UNUM disability insurance company refused to pay my claim. Cesar Gavidia took my case and helped me all the way through, negotiating a settlement that was so helpful to me in my disability. He was very supportive and kept me informed every step of the way. It made our efforts very worthwhile.

Joy K.

Testimonial from Timothy S.

Cesar was able to smooth out my hesitations in the amount of money I was being offered by the insurance company in the buyout. I appreciate his patience with me. He was very professional.

Why would you recommend Attorneys Dell & Schaefer?
Their professionalism.

What could we do to improve?
Nothing, keep up the good work.

Timothy S.,

A National Disability Insurance Law Firm Since 1979

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