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Testimonials from Clients and Colleagues



We are committed to providing the highest level of legal representation and treating our clients in the same manner that we would want to be treated if it was our own case. For privacy purposes the full name of each person listed below has not been disclosed.

The ethic rules regulating attorneys require us to state that you should not create any unjustified expectations based upon the information listed below. Upon request we can provide you with the name of numerous past clients in order to discuss their experience of working with our firm.


Attorney Rachel AltersAttorney Rachel Alters worked on this case

Rachel was recommended to me by a lawyer friend. I am also an attorney. So, needless to say… probably not the easiest of clients… with tougher than normal expectations. Rachel did a really great job. She listened to what I wanted and delivered what I asked for, in record time.

Kim K., Florida

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I am so grateful to Rachel Alters and her staff for helping me with my uncle’s claim! She was amazing. This was a very difficult case, because my uncle was mentally disabled. He had failed to immediately make a claim, because he was too disabled to even do the simplest of tasks. As soon as I found out about my uncle’s disability policy, I called several attorneys. They were hesitant to work with my uncle, because of the extensive work involved with backdating his claim. I then called Dell and Schaefer and it was one of the best decisions that I have ever made. They patched me through to Rachel Alters and the rest is history.

She worked diligently to backdate my uncle’s claim and to secure his rights to future disability payments. We still have a long road ahead of us with regards to my uncle’s disability, but I am so grateful to her for securing his right to disability payments. We will be able to use this money to make sure that he gets the health care that he needs.

Disability insurance is a complex business. As an attorney myself, I can tell you that when it comes to disability insurance, you really need somebody in your corner to make sure that your rights are protected. There is nobody that I would rather have in my corner than Rachel Alters.

Why would you recommend Attorneys Dell & Schaefer?
Absolutely!

What could we do to improve?
Nothing!

Daniel G., Illinois

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

Alex and Sonia his paralegal are excellent. They represent Dell & Schaefer as a professional firm. I would recommend them to anyone. Very prompted and courteous. Thanks Again!

Why would you recommend Attorneys Dell & Schaefer?
A professional firm. They do what they promise. No fooling around and excuses.

What could we do to improve?
Nothing at this time.

Michael D., New Jersey

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I was in a difficult situation dealing with a disability claim. Once I spoke with Stephen Jessup, that ball started rolling and progress was made. He and his assistant Sonia made a point to stay in contact and made it very simple for me to keep them aware of my status as time passed.

I have a lot of legal experience and Stephen and Sonia treated me with respect, and talked honest and openly with me throughout the conclusion of my claim.

I would strongly recommend using Stephen Jessup to anyone who needs help. It would have been very difficult to have fought for my rights alone.

Why would you recommend Attorneys Dell & Schaefer?
Caring, thorough, avoid the legalese, and get results.

What could we do to improve?
I have no suggestions and certainly no complaints.

Steve S., Utah

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

My experience with Dell & Schaefer, the attorney handling my case, Alexander Palamara, and his is paralegal, Sonia, was very positive. They kept me informed, obtain my records for me when needed and truly did work for my best interest. They also had a good sense of humor. Alex was able to reach a goal I had set for him in settling my case. The process is slow but not because of the law firm, that is just the way things are everywhere in adversarial proceedings.

Overall, I’m very happy and glad I chose Dell & Schaefer to handle my legal issues.

Thank you!

Why would you recommend Attorneys Dell & Schaefer?
You are not just a file sitting in a filing cabinet. You’re a real person to them, they mean business and take care of business.

What could we do to improve?
There is nothing that I could specifically point to.

Jon H., Florida

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

My D&S experience spanned over 7 years and it was in one word “Relief”. A fantastic relief. Why relief? Because dealing with my disability insurance company was nightmarish and D&S instantly relieved me of all the worry. From the very first conversation I had with Greg Dell, on a Sunday I believe, thru his help, he and his most competent team including Alex Palamara, Danielle Lauria, and Anneli De-Cardenas removed the proverbial 800 pound gorilla off my shoulders. Greg and Alex spent an initial, and draining 3 hours listening in while an insurance rep grilled me on an in-home interview. This was after they had filmed me on two separate previous occasions. They even followed me thru Walmart, cameras on! Yes folks, they will try to catch you doing anything outside the limits of your disability. They don’t want to pay you! My D&S attorneys told me from the start, be honest when you talk to the insurance company people on that interview. I did and from that interview on, D&S handled everything regarding my policy. I was able to sleep at night knowing I had expert representation. Everything from my disability company went through D&S. This was a huge burden, relieved!

Why would you recommend Attorneys Dell & Schaefer?
I recommend D&S because I know there are legitimately disabled people, like me, who haven’t a clue on how to deal with an insurance company looking for ways NOT to pay. D&S represent. They know this business. They provide expert counsel. They not only act as attorneys, but they also empathize with their clients. They’re accessible. They’re very reasonable in their fees. Trust me, they were worth every penny. I recommend D&S, so that others can feel relaxed and know that D&S has their backs and will go to battle for them when necessary.

What could we do to improve?
Stay the same. You guys were wonderful, very approachable, true friends.

John S., Alabama

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

It was an excellent experience working with Stephen Jessup, Esq. and Vanessa Arriaga, paralegal, on my appeal claim! They are a great team and did an amazing job to obtain a positive result for my case. They were focused, knowledgable and efficient — and, they took the burden of dealing with the insurance carrier off of my shoulders. I am grateful to have the opportunity to thank them for their expertise and guidance during a difficult time.

Why would you recommend Attorneys Dell & Schaefer?
As an attorney myself, I would (and will) highly recommend Stephen Jessup and the Dell & Schaefer firm to anyone seeking legal advice on a disability matter. Stephen and Vanessa were responsive and professional. They kept me updated on all matters affecting the case. Stephen clearly explained the nuances of the disability appeal process, and his expertise and guidance helped me make educated client decisions. I am thrilled and grateful for the result that they obtained.

What could we do to improve?
Just continue doing a great job — your excellent and informative website is truly a valuable asset for clients and potential clients.

Linda A., Florida

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

Very professional and personable. Kept me informed of my case and reassuring. Both Mr. Jessup and Ms. Lauria are wonderful people. It was a pleasure interacting with Attorneys Dell & Schaefer.

Why would you recommend Attorneys Dell & Schaefer?
Excellent service.

What could we do to improve?
Nothing.

Cecilia A., California

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

It was an excellent experience working with Stephen Jessup, Esq. and Vanessa Arriaga, paralegal, on my appeal claim! They are a great team and did an amazing job to obtain a positive result for my case. They were focused, knowledgeable and efficient — and, they took the burden of dealing with the insurance carrier off of my shoulders. I am grateful to have the opportunity to thank them for their expertise and guidance during a difficult time.

Why would you recommend Attorneys Dell & Schaefer?
As an attorney myself, I would (and will) highly recommend Stephen Jessup and the Dell & Schaefer firm to anyone seeking legal advice on a disability matter. Stephen and Vanessa were responsive and professional. They kept me updated on all matters affecting the case. Stephen clearly explained the nuances of the disability appeal process, and his expertise and guidance helped me make educated client decisions. I am thrilled and grateful for the result that they obtained.

What could we do to improve?
Just continue doing a great job — your excellent and informative website is truly a valuable asset for clients and potential clients.

Linda A., Florida

Attorney Victor PeñaAttorney Victor Peña worked on this case

I am very pleased with the job done by Dell & Schaefer. From start to finish the team that worked with me was very thorough, professional and communicated with me frequently. They really took the time to understand my situation and came up with an effective strategy to win my appeal. I would not hesitate to recommend Dell & Schaefer to anyone needing this type of legal support.

Christopher G., Georgia

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

Before I called Dell & Schaefer I called several law firms in my area and to my disappointment, I was unable to find a local attorney who I felt could really help me settle my long-term disability claim. I was at the end of my rope and I did not want to deal with my insurance carrier anymore because of the tactics they used throughout the years after I became sick. I was just about to give up until I discovered a Dell & Schaefer video on YouTube. I was amazed at the information presented because I felt as if they were speaking directly to me. As a result, I contacted the law firm and was able to speak to an attorney the same day.

I would like to take this opportunity to thank Mr. Stephen Jessup for your professionalism and prompt way of handling my case. It is very hard to find a law firm that will educate clients on all of the logistics that lead up to the final settlement offer. I will recommend your services to anyone who has legal insurance needs in the future. I’m still in shock about my settlement. Your services have far exceeded my expectations in every way. Again, thank you for all you have done for me.

I would also like to thank Ms. Sonia R. Nogueira for your constant reassurance and for always making me feel like I could call you any time and as many times as necessary with questions. Thank you for your kindness.

Why would you recommend Attorneys Dell & Schaefer?
I would recommend Dell & Schaefer because the attorneys are extremely knowledgeable and professional. When you call their office, they won’t lead you down the dark road of the unknown… what they will do is tell you exactly what they can do for you.

What could we do to improve?
I can’t think of one thing that needs to be improved. It took about three months to settle my case and I thought it would be at least six. You guys are really awesome!

Demetric W., Maryland

Attorney Jay SymondsAttorney Jay Symonds worked on this case

From day one, my dealings with both Jay Symonds and Sonia Nogueira were extremely professional. This claim was very important to me and I always felt that it was as important to your firm. Every question or concern was answered quickly. Most importantly, my claim was approved and I’m sure working with Jay and Sonia helped make that happen.

Why would you recommend Attorneys Dell & Schaefer?
Professionalism and effectiveness.

What could we do to improve?
I can’t really think of anything at this time.

Ed H., New York

ABSOLUTELY THE BEST!

After practicing over 27 yrs., suddenly I was now unable to practice any more. Having Atty. Steven Dell and his awesome team represent me was the best decision I made having to deal with my disability claim. Their knowledge, expertise and professionalism gave me the peace of mind and confidence to get me through one of the most difficult times of my life. When you really need someone to have your back, knowing that you have the best that there is, makes all the difference in the world.

Why would you recommend Attorneys Dell & Schaefer?
No matter what, they always made me feel like I was the most important client they had. In life, you always want to have the best there is. Attorneys Dell and Schaefer are the best you can get.

Daniel R., Florida

Attorney Jay SymondsAttorney Jay Symonds worked on this case

First and foremost, I believe in letting others know about truthful and relevant experiences.

I was represented by Mr. Jay Symonds, Attorney. My team consisted of Mr. Symonds and Ms. Sonia Nogueira. Paralegal. I can say that these two are hands down a team to reckon with and I am eternally blessed they were assigned to my case. They both understand Client Customer Service, are compassionate, and being responsive to the client’s needs. Mr. Jay Symonds was well versed in matters as he has worked on both sides, defending and representing, when dealing with disability matters. Lastly and very important, Mr. Jay Symonds absolutely pays attention to details on your case.

I have had dealt with several Attorneys in my various matters and I believe and thru their ACTIONS of DOING, Mr. Symonds and Ms. Nogueira are the epitomai of what an Attorney and Paralegal team should represent. I never had to inquire about the status of my case, they always were on top of matters. They were both forthcoming, relevant, honest, and realistic in the facts, and what could be ultimately be achieved in my case.

What is most important, and unless you have experienced the bad and ugly in legal matters, you will not appreciate this firms work and work ethics. No one should have ever had to deal with matters like I have PRIOR to myself retaining this firm, however, life is not perfect.

All my dealings were via mail, phone calls, and emails and this made it very easy to communicate. This team was very well organized and proactive! This is absolutely KEY in handling ANY case!

It is about what can realistically be accomplished and achieved and resolution and not promises or false hopes in what could come of your case. I will say that what you as a client puts into your case is also very critical and relevant. Always be forthcoming, honest, and keep your Attorney team updated. It is a TEAM effort by all parties involved and my personal experience with this Mr. Jay Symonds and this firm was pleasant and successful.

Thank You both for all your efforts and determination to see my case to a successful resolution.

Why would you recommend Attorneys Dell & Schaefer?
Effective, Honest, Relevant, Realistic, ProActive, and Organized to say a Few!

I pray and hope you post my comments as I have been extremely pleased and this is unfortunately NOT my first dealing with law firms but it is the absolute BEST experience I have had.

What could we do to improve?
All I know to say is that I am sorry, I did not know of your firm the beginning of my case. Too often we think of national firms being false and not what they say they are and that is absolutely not the situation with this Firm. I feel blessed I was referred to you and that was the BEST move my previous Attorney did as all other matters his firm has handled have been an absolute disaster.

Regina W., North Carolina

Attorney Rachel AltersAttorney Rachel Alters worked on this case

To all patients especially Lyme Disease patients (the #1 epidemic in the U.S. and worldwide pandemic) I truly understand your frustration and indecision in making your first phone call because everyone has let you down and you feel like your whole world is a struggle to stay alive. Your trust has been eroded due to ignorant medical professionals (I was one of them-RN), military (Gulf war syndrome-mycoplasma), NIH, DOD, and let’s not forget the CDC… your family or friends also may not have a clue and you can be certain most work places/H.R. they don’t want to hear what you are going through… well Make that Phone Call to and get connected with Rachel Alters who has intimate knowledge of others suffering medically. She knows your legal rights and you as her client is her priority… She is a determined lady of the law and will get things done you can count on that. The kindness of Rachel and Kathleen, her assistant is comforting when understandably all you can envision is the worst outcome in any situation. Depend on your legal team (Rachel & al.) help you in the most important way: lowering your stress to better your health and the good Lord knows you need in this heartless country ($$$$) to pay for the health services you receive. Last word, may God bless you Rachel, Kathleen, and all the people at Dell and Schaefer for being there at my worst period in my life with neuroborrialis, which continues to compromise my life.

Why would you recommend Attorneys Dell & Schaefer?
For One… to stop those pesky abusive phone calls that are filled with leading questions to set you up to say the thing that limits your real condition. Send in the Calvary-Rachel Alters… In my case I had a nurse that I looked up on her state board and Facebook – for goodness sake she didn’t have many years of experience and her health was not her priority because I saw a photo of her in a bar, overweight and drinking beer… yea, that’s the kind of nurse I want evaluating my case or taking care of me for that matter. (sarcasm)

You will be amazed when you get the copies of reports submitted to the court how though Rachel is. The attorneys concentrate on Disability claims and have each other if they have any experience in a certain company, matter, and for a supportive team.

What could we do to improve?
Just keep making those wonderful teaching videos on your homepage and utube. These help tremendously for the legally naive. They also show your personalities, but I am sure behind the scenes the office has it’s own pulse and humor.

Lynn D., Florida

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I am glad that I found your law firm on the web via Youtube.com. I want to thank you for all your help in obtaining my disability claim and waiver of premium. It feels like it was the right choice for me to accept their buyout so I don’t have to worry about being denied my claim in the future.

Even more important it feels great to have beaten the evil empire of Cigna.

I wish all your clients success in fighting these people. It’s worth the effort no matter how sick you feel.

Thanks again for all the hard work and good luck in your future.

Michael, Maryland

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I applied for and was denied my LTD insurance a little over two years ago. I was distraught, I had no idea they could just refuse you. My Social Security disability lawyer gave me Dell and Schaefer’s name and phone number. I called the next day, and they immediately called me back and set up an appointment the next day, for me to speak to Alex Palamera on the phone. They are located in Florida.

He was extremely empathetic and friendly. He took all of my information and he and Danielle Lauria, who works with the lawyers, prepared a statement to the insurance carrier. They also send me copies of everything that they send out. They sent a very professional and informative letter explaining why I should not be denied the insurance. The insurance company immediately decided to pay me the insurance that I signed up for.

I have always received quick information and phone calls, whenever I request assistance. They did have to do another appeal for me, recently. It was very involved, but written up extremely well. I was offered a settlement, and they were even able to get the in Insurance company to increase it for me. I would recommend Mr. Palamera and this law firm,to anyone who has a problem with their LTD insurance. I don’t have a single complaint about the way I was treated. I’m extremely thankful for their help over the last few years.

Why would you recommend Attorneys Dell & Schaefer?

They were always polite, professional and friendly when I spoke with anyone in the office. I always received a quick response to any questions I had. The letters and appeals that Mr. Palamera sent out were extremely well done. I can’t think of a single reason that anyone could want another lawyer.

What could we do to improve?
I have no suggestions, I can’t think of any improvements that can be made.

Karen F., New York

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

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

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

When I contacted Dell & Schaefer the attorney who I spoke with immediately put me at ease. All phone calls were answered and all email questions recieved a prompt reply. I never felt brushed off or dismissed. When you can’t fight for yourself, it’s nice to know that a team of caring professionals are fighting for you.

Why would you recommend Attorneys Dell & Schaefer?
Yes, I would definitely recommend Attorneys Dell & Schaefer, especially Mr. Palamara.

What could we do to improve?
Nothing really. Working with your firm was a very good experience. Mr. Palamara and Ms. Arriaga always treated me with respect, even when I would panic or stress about the case.

Jeanne T., New York

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

Stephen Jessup of Dell & Schaefer did an extremely good job in advising me on a complicated long-term disability matter. He was very engaging and did his due diligence to quickly and efficiently guide me through an unresolved matter regarding my disability benefits.

I would highly recommend Steve and the Dell & Schaefer group for dealing effectively and efficiently with your disability issues when you need guidance. They are very knowledgeable in this field and know how the big disability insurance companies operate.

Why would you recommend Attorneys Dell & Schaefer?
Responsive, knowledgeable and understanding. Steve has great people/client skills. Excellent industry knowledge.

What could we do to improve?
I would not hesitate to refer people to Dell & Schaefer.

Charles C., Connecticut

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

If you think the Insurance company is going to be FAIR, your WRONG! Get an attorney, I recommend Dell and Scahaefer. They entered my life approximately 4 years ago. I was in the mid years of my life, moving along routinely finishing up my 29th year of continuous employment as a professional Acute Care Registered Nurse, looking ahead to planning my future and possibilities ahead of me. I had planned to work at least another 15 years and maybe more if I could. I was hitting the peak of my value in the healthsytem that employed me and I loved my job. Income was never an issue for me, as in my profession I could always find work and make as much income as I needed raising a family etc… But just incase, my father always taught me to have a safety net. So every year for 29 years, around benefit time I would fill out the forms and check the boxes for STD and LTD and pay the monthly dues for those policies incase I would ever need them, never expecting to use them. Well life had other plans for me.

My illness began slowly, I made adjustments to my work schedule and life schedule hoping that would allow me to stay employed. I didn’t want to give up the money, my benefits, the years experience I had, the value I had to contribute etc… That lasted for about a year and half than suddenly my body just couldn’t do it anymore. My illness exacerbated, necessitating me to leave work. I went out on my STD policy and initially Aetna the carrier of the policy was cooperative and approved my claim. After several months when I didn’t improve my STD policy was over and it was time to begin my LTD. At this point Aetna suddenly switched and began to deny all my claims for the same illness they had previously approved. I was shocked and bewildered, I could not believe how Aetna could be doing such a thing. What was happening, how could they just say NO! This wasn’t fair, I paid into this for 29 years… and was lost as to what to do.

I did some research on line, and found out this was a common thing all insurers were doing to people who had these kind of policies. What a rip off I thought. Here I thought I had a safety net. I was so angry and realized I was disillusioned about this system and having a safety net. I sat and cried fluctuating between anger, sadness, worry, the gamut of feelings. What should I do I thought, I need help and help fast. I couldn’t live without income. I did some more research and found Dell and Schaefer, I went through their website reading all the information and decided I need to call them to see if they could help me. My illness was not listed as a common illness for disability approval.

When I called them, they put me through immediately to someone and took some information. Later that day an attorney called me back and went through my situation explaining to me all my options and that they could help me. I wasn’t ready to make a decision on the spot, so I told them I would call them back. I was skeptical because at this point I didn’t trust anyone for numerous reasons and felt like all the systems I had faith in were failing me. Is this going to be another rip off, I thought?

After thinking about it for a day or two and consulting friends and family, I nervously called back Dell and Schaefer and I told them my concerns, we talked some more they never pressured me. I reluctantly agreed, not because of something they said, it was my own issue with trust now clouding my decision. Reflecting back that was the best decision I ever made. My attorney in the firm was Alex Palamara, I dealt with him exclusively and he always called me back, emailed me and let me know what was happening promptly. Nothing was ever to small for him to answer and he had compassion when I would complain about how unfair Aetna was being with their denial of my case. And YES, they did deny, and are still trying to find ways to deny me to this day 4 years later. Through the hard work and timely action taking by the attorney my appeal was reversed and my claim continues to be approved with the help of the attorney. I no longer have random calls from Aetna asking me repetitive questions that I already answered numerous times and the firm continues to coordinate the yearly reviews with Aetna and my physicians. I faced another denial at the two year mark when the policy changes the definition of gainful employment. Yea isn’t that beauty they sneak into the policy that you have really don’t understand. Alex anticipated that fought that and I have had a seamless benefit check now for 4 straight years.

I will not give up my representation, as educated as I am, in no way am I versed in disability law and the new ways insurance companies try to get out of paying the policy we have paid our hard earned money into for a safety net. I know things will not be easy and I will have to fight to continue my benefits, having Dell and Schaefer gives me security that someone will be there fighting for me and my benefits. I can’t thank them enough, I find them to be prompt, compassionate, knowledgeable and very fair with their fees. If you are thinking about hiring an attorney for representation you will be pleased with this firm. As a side note, my last years of employment I worked for a large hospital system, my job was coordinating with the hospital, physicians and Insurance companies to make sure the hospital would get paid. Specifically, I worked on denials of patients inpatient hospital bills. The insurance company would deny claims for the most unbelievable reasons. They know some people will just give up and not fight, that’s what they are counting on. I didn’t think they would do the same thing with STD and LTD policies, I was wrong and naïve. Do yourself a favor HIRE an attorney immediately from the beginning, otherwise the carrier will jerk you around till you give up, and you may inadvertently say or fill out a form wrong or miss a date and boom your denied. You will never get your benefit you paid into. Hire Dell and Scahaefer.

What could we do to improve?
At this time I can’t think of anything.

Patricia T., Florida

Attorney Rachel AltersAttorney Rachel Alters worked on this case

My experience with this law firm was amazing. The turnaround on my case was unbelievable in a great way. It was business being handled however my team made me feel like a family member as well. The law firm is very professional, and attentive to your needs. If you’re seeking great representation, I recommend Dell & Schaefer to handle your needs. I would like to thank my attorney Rachel Alters and paralegal Sonia for the amazing job working on my case.

Why would you recommend Attorneys Dell & Schaefer?
The law firm are go-getters and take care of you as if you were family.

What could we do to improve?
To be honest I personally can’t think of anything for the firm to improve. Continue providing great service.

Monica H., Pennsylvania

After practicing dentistry for 34 years, I was forced to stop working due to a long history of cervical degenerative disc disease and associated complications that impair my ability to practice my profession. When I learned that this was a permanent condition and I would likely never be able to practice again, I contacted Dell & Schaefer to assist me with filing my private disability insurance claim. I wanted the expertise and guidance of an experienced disability attorney from the beginning so that I would not be faced later on with having to undo problems I might unknowingly create on my own. I was most fortunate to be represented by Mr. Steven Dell, who patiently answered each one of my questions and carefully steered me through every step of the disability claim process. He thoroughly got to know me, the history of my condition, and as my legal professional intermediary with the insurance company, guided me in compiling everything we needed for him to submit the claim for me. When Mr. Dell called to give me the good news that my claim had been successfully awarded and that he would continue to “be there” for me going forward, it was clearly confirmed to me that the key to this successful outcome was my decision, early on, to contact Dell and Schaefer.

Why would you recommend Attorneys Dell & Schaefer?
Their professionalism and personal care for me as a client; their extensive knowledge of disability law and experience in successfully dealing with disability insurance carriers; their long track record of successful disability claims outcomes; their availability and prompt responses to my questions as a client; their frank and honest full disclosure with no surprises from the beginning; their commitment to continue representing me as a client even after a successful disability claim award.

Greg S., Arizona

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I had a very good experience. Rachel and Danielle were incredibly professional. They gave me a clear understanding of the process and timelines. I feel they are there fighting for me everyday. The process overall was very simple and enabled me to focus on my illness.

Why would you recommend Attorneys Dell & Schaefer?
I have two big reasons I would recommend them. One, They are available for my questions and concerns. I get a response quickly and honestly. Second, no matter how worried I got, they never made me feel alone. I always know I have someone in the battle with me.

Michael P., Michigan

Attorney Rachel AltersAttorney Rachel Alters worked on this case

This was a very stressful time in my life. The disability company to whom my employer and I had paid premiums to for 30 years and who had paid me disability benefits for the past 12 years had closed my case and denied my appeal. I wasn’t sure what to do.

Following in depth research, endless phone calls and phone interviews of potential representation, I chose Dell & Schaefer to represent me. I am very happy I made that decision.

Rachel and Sonia at Dell & Schaefer listened to my concerns and reasons for wanting to appeal my claim. They requested my personal statements and files from the disability company for their review. I felt they always kept me updated as things progressed and requested additional info when necessary.

This is not a quick nor easy ordeal to have to go through. However, having Rachel and Dell & Schaefer behind me, I felt I had the best representation possible on my side.

Why would you recommend Attorneys Dell & Schaefer?
They explained my options clearly and provided honest feedback. They didn’t make promises that sounded too good to be true. Their communication was open, timely and made me confident that I was in good hands.

Lesley C., Washington

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

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

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I was fortunate enough to have Rachel Alters handle my LTD appeal in 2014. I took 180 days and when all was said and done it was 266 pages long! The detail was amazing and my denial was immediately overturned. I strongly suggest that an individual doesn’t go it alone in this process. I think the other great advantage to having her handle it is I can reach out to her anytime I have any issues or questions with the insurance company and she deals directly with them. I recently had an issue where they were not waiving my premium for the life insurance I ported when I had to stop working. Rachel not only got my premiums waived going forward, she got me a refund of all my premiums going back several years. One of the smartest things I’ve done was to contact Dell and Schaefer when my LTD was denied.

Mike F., Florida

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I contact D&S regarding my claim with Liberty Mutual. I was out on disability for 11 years and was helped to get back on claim. It was nice to have their guidance helping me all the way especially when Liberty did not send all records and delayed the date. Everyone responded quickly and we got the claim resolved on the first round. Thank you!

Jennifer S., New Jersey

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I had a very positive experience with attorney Steve Jessup and his assistant Vanessa Arriaga. They were professional, patient and prompt with my case and always followed up on emails and phone calls. I felt informed and in charge of the decisions made and ultimately we had a very good outcome.

Why would you recommend Attorneys Dell & Schaefer?
This law firm certainly understands the disability world and knows how to get results. I felt very well represented and was thrilled to no longer have to personally deal with the disability insurance company. I had a very good line of communication with my attorney Steve Jessup. He does a great job keeping a client informed and reassured and everything he told me ended up being right on the money. I wouldn’t hesitate to recommend this law firm.

What could we do to improve?
Not much! My outcome was very positive.

Tammy B., Vermont

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

Very professional and competent attorney. Mr. Palamara was able to win my appeal for my Long Term Disability Benefits in what I consider a very short period of time. I will enjoy working with him with any reviews I may have in the future. Having him handle my claim has taken a huge amount of stress off of me. I would also like to thank his staff. They were great to work with.

Why would you recommend Attorneys Dell & Schaefer?
Very competent and professional.

What could we do to improve?
I really cannot think of any improvements. It has been a very good experience.

Leigh F., Nebraska