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Reviews From Our Clients


  • Attorneys Dell & Schaefer Client Testimonials

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 Alex PalamaraAttorney Alex Palamara worked on this case

I was at a dead end with my disability claim. Cigna, after paying for a while discontinued it. I tried another lawyer, it was again denied. I was about to give up, unable to continue my Field Engineering job with medical problems and two special need children at home, not knowing what to do next.

A Friend recommended Dell & Schaefer and I called them. They responded quickly and went in to action. Five months later my disability claim was approved and one less thing to worry about in my life.
They are straight forward, there are no surprises as far as their fees and they communicate with you, explain everything to you along the way.

Why would you recommend Attorneys Dell & Schaefer?
They know their business, they understand what you are going thru and they are results oriented.

What could we do to improve?
I am happy with everything they have done and the way it was done.

Kenan A., New Jersey

Attorney Rachel AltersAttorney Rachel Alters worked on this case

Rachel Alters is incredibly knowledgeable about disability law. She was extremely helpful with applying for benefits, is very detailed oriented, and follows through if there are delays. Whenever I have had a question, Rachel is very prompt with returning calls, and answering emails. I recommend her very highly, and am happy that she has represented me throughout this process.

Why would you recommend Attorneys Dell & Schaefer?
I had a very good experience working with Rachel Alters.

What could we do to improve?
No improvements recommended.

Marjorie B., New York

Attorney Jay SymondsAttorney Jay Symonds worked on this case

I couldn’t be happier with my experience. Jay is a true professional and knows how to handle complex disability claims. The service and attention to detail provided by my team allowed me to feel confident that we would successfully appeal my claim. And we did, gaining a reversal of my denial on second appeal. Ongoing claim management is also critical and Sonia has been excellent.

Why would you recommend Attorneys Dell & Schaefer?
Professionalism and teamwork. Outstanding service.

What could we do to improve?
Keep doing what your doing.

Chris K., Illinois

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I can’t find the right words to describe how grateful I am for the wonderful job you have to get my long term disability claims approved. I did file claims on my own at first but both got denied. It was heartbroken because I did pay monthly premiums for ten years. When I got sick and not able to work, the Insurance company said that I don’t qualify for any benefits. Atty. Alex and his angels were heaven-sent to me. Thank you for taking both of my cases. I was at my very last breath and just don’t know what else to do and had no where else to turn to until I got hold of you, wonderful people. You are definitely a blessing and a breath of much needed fresh air. I may not be the most profitable client of yours but I would like to tell you that I am one of your most grateful client. Thank you so much for helping me get what I deserved from the greedy insurance companies. Without you, I wouldn’t think the insurance companies won’t pay me anything. They will keep finding w
ays to deny my claims. Again, thank you for a job well done.

Why would you recommend Attorneys Dell & Schaefer?
They know how to get your claims approved.

What could we do to improve?
There’s nothing to improve. Just continue what you’re doing to help people like me get their benefits approved.

Sol S., California

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

The process has been exactly how I had hoped it would be. Disability is a scary, unfriendly process, even for those of us who have worked in the claims administration area. It seems to be designed to deny benefits with complicated rules, burdensome documentation requirements, and constant requests for information to the beneficiary and my doctors. As a patient/beneficiary, you can feel like you are all alone and that you spend too much time jumping through hoops for the disability provider. After a few months of doing it myself, I realized I wanted an advocate who could advocate for me with the provider and answer all of my questions on the Erisa process and rules. I interviewed one attorney in Maryland who was actually adversarial with me (his future client) so it was an awesome breath of fresh air when I interviewed Stephen Jessup. He was polite, extremely knowledgeable, upbeat, and calm! He helped me to understand the process and where I stood in it. He and Vanessa communicate and keep me apprised of events within my case and make recommendations on actions I should take to proactively help my case win approval (e.g., Functional Capacity Evaluation). They are truly my safety net and well worth every penny because they help manage the disability provider and my doctors as well as ensuring I am on track in the process. I don’t think I would have survived this without them.

Would you recommend Attorneys Dell & Schaefer?
For sure! Same reasons.

Terri E., Maryland

Attorney Jay SymondsAttorney Jay Symonds worked on this case

Jay Symonds,

I just wanted to send you a formal Thank You for your time and support.

I hope you received my email that I have been assigned a new case manager. Since I haven’t received a denial letter, I’m assuming I’m back on the yearly audit schedule. If anything changes in the status of my claim, I will contact you to handle my case. Thank you again for the time you gave me. Very Much Appreciated!

Sincerely,
Michelle, California

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I had been on long term disability for over 10 years, with Aetna Disability Company. I had 3 heart surgeries in that time and some other pretty serious medical issues. I was very ill, during that time, seeing my physicians regularly and in and out of the hospital. It was very stressful keeping up with the vast amounts of paperwork, Physicians Attending Statements, and communicating full time with the disability company. One time, right before my Open Heart Surgery, they stopped paying my claim for 4 months, for absolutely no reason. I did get that straightened out, eventually, but we were almost homeless, in the process. I decided to consider a buy out, on my disability claim and I wanted to use a large, reputable Attorney’s Firm, to handle this negotiation and contract. I called and talked to an Attorney named Rachel Alters, who worked for Attorneys Dell and Schaefer. They had a very large Attorneys Practice and I was very comfortable using them. She was very professional, but also really compassionate, about everything I had been through. I felt like she would really be someone I could trust. It turned out the gentleman she ended up talking to, from Aetna, was someone she knew from dealing with them in the past. This made everything go so much easier, I think, but either way, Rachel is Wonderful! I would recommend her very highly, to anyone. She has my five star recommendation!

Why would you recommend Attorneys Dell & Schaefer?
They are a large Attorney firm and they work with people that have erisa disability policies, so they know the ends and outs of these types of plans. They also are very prompt in getting right back with you when you contact them, I Really appreciate that!

What could we do to improve?
I can’t think of anything, I am very satisfied!

Kelly B., Nevada

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

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

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 Rachel AltersAttorney Rachel Alters worked on this case

Words cannot express the gratitude I have for Rachel and her team. I felt like she listened, gave me her advice, and supported my decisions. The process was seamless and I did not feel that I was being bombarded with “task” as her team handled as aspects of my case. I am very pleased with the honest feedback and communication through the process. I would definitely recommend Rachel and her team at Dell & Schaefer law firm.

Why would you recommend Attorneys Dell & Schaefer?
Quality customer service, transparency, and action-oriented.

Wendy H., Maryland

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



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