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A National Disability Insurance Law Firm Since 1979

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Reviews From Our Clients



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 Cesar GavidiaAttorney Cesar Gavidia worked on this case

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

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I am a 61 year old Senior Business Analyst. I had been working at a health insurance company for approximately 11 years when I became disabled and have had numerous, bulging disks, Nerves that were severely impinged, and active Arthritis and degenerative disk disease throughout my spine. I underwent back surgery for L1 thru L5 infusion which included insertion of 2 titanium rods and 6 pins. I continue to undergo physical therapy 3 xs per week. Not to mention the surgery left me worse than before the surgery considered a FAILED BACK SURGERY. I’m unable to sit or stand for more than 2 hours with getting up. I am unable to walk for more than 1 city block. I also have many other medical conditions. After collecting LTD from Lincoln Financial for about 3 years, the harassment began. They decided that I was no longer disabled. In short they felt I was capable of returning back to the work force. (Social Security Disability deemed me permanently disabled)

After fighting with Lincoln and exhausting my appeals I decided to research and hire an attorney. I selected Dell and Schaeffer based on their website, case success statistics, and the speed at which they returned my calls and emails.

Let me tell you, my experience in working with Rachel Alters and her assistant Michal Mizrahi is nothing short of outstanding. They responded quickly to phone calls and emails and were mindful of my concerns and information needs. Talking with the both of them made me feel confident and assured they were doing the best for me. I cannot say enough good things about Michal. She anticipated my needs and was proactive in keeping me informed as my case progressed. What a TEAM they make. Any time I reached out with questions or concerns they were very responsive and always left me feeling satisfied that I had the best in my corner. Rachel is an angel. She is so down to earth compassionate, professional and trustworthy attorney. Rachel was there to guide me from the start and helped me get through this stressful and lengthy process.

While attempting to handle it on my own, my long-term-disability claim had been denied two previous times. With the help of Rachel Alters and her team, I was able to obtain a settlement I never would have been able to get without their assistance. Rachel and her team far exceeded my expectations in every capacity. She was focused, clear, responsive, efficient and above all exceedingly knowledgeable.

Why would you recommend Attorneys Dell & Schaefer?
I would highly recommend her to anyone having disability issues. I truly feel that I could not have been better represented.

What could we do to improve?
Nothing.

Celestine D.

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

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.

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

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?
Definitely.

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

Rose L.

My experience with Mr. Dell and all of the staff working at the practice has been an excellent experience. Planning to make a claim for disability with a private insurance company can be very intimidating for the average person. Mr. Dell is professional and sharp, just what I was looking for in an attorney to represent my case. He walked me through every step and helped me make the best application for benefits. There were absolutely no surprises while applying for my benefits as we were both well prepared for any questions that could arise during the process. Mr. Dell was able to work with me and my physicians to make sure the application was thorough and complete. No mistakes were made along the way and my benefits were approved without any problems whatsoever. I will truly be grateful for Mr. Dell for the rest of my life.

Why would you recommend Attorneys Dell & Schaefer?
Preparing a disability claim is difficult and filled with many pitfalls that can be avoided with the proper preparation and guidance. This firm is excellent and experienced with all aspects of disability claims. I was very impressed that it was so easy to make this scary situation a lot better because I knew that Mr. Dell is so experienced.

Anthony M.

Attorney Victor PeñaAttorney Victor Peña worked on this case

In desperation after dealing with the insurance company by myself for a bit I called and Mr. Pena listened to me then took the case. He kept me well informed as to what the law allows and what was being done. It took a bit of time but finally he got me what he could, fighting for my rights tooth and nail against a corrupt system that is in need of repair. He was always professional even when I was emotional, exultant attorney highly recommend if insurance company is running you around.

Why would you recommend Attorneys Dell & Schaefer?
They will fight for you.

What could we do to improve?
Nothing. Awesome job.

Richard B.

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

It was a pleasure to have had Attorney Jessup and his Assistant Kathy Bordas as my legal Counsel in my LTD case. From the very first phone call that I had with Attorney Jessup he showed me respect as well they listened to everything that I had say. They showed me that there was so body out there that was gonna fight for me and not through the case to the side. Every step of the process your law firm kept me in the loop and gave me options as to what the possible outcomes will be. Attorney Jessup and Kathy Bordas showed true Professionlism during the whole process. They where able to get the insurance company to see my side and hopefully see the pain that I am in every day. Your firm was has given myself and my family some hope and happiness again. From my family to Attorney Jessup, Kathy Bordas we Thank You and God Bless.

Why would you recommend Attorneys Dell & Schaefer?
I hope to use you again if I need attorneys in the future.

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

Shane H.

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

Steve and Danielle were so wonderful to me and my wife. We were so upset with our situation with Cigna and I called Dell & Schaefer and was transferred to Attorney Stephen Jessup. I can’t explain how he eased my mind. He was so professional and educated on the subject of disability insurance and made me comfortable that he would help me. Any time I had a question I could call or email them and they got right back to me. The friendliness and helpfulness was amazing. Steve Jessup helped me win my case and I can’t thank him and his company enough.

Why would you recommend Attorneys Dell & Schaefer?
We would definitely recommend your law firm to anyone who needs help with disability insurance. Steve reassured us and was so friendly and professional. I knew the first time I spoke with him he really cared about his clients. Danielle always got back to us either by phone or email very quickly. Thank you both very much.

What could we do to improve?
We had a great experience considering we live in Ohio. All our phone messages were answered promptly. I have nothing negative to say. Keep up the good work.

Gary Z.

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I learned in March 2014, that my LTD insurance provider was auditing my case. Two weeks later I received a denial letter. I didn’t even have time to provide the info requests to my doctors much less have them completed and sent back to the LTD company. I promptly called the rep who fumbled about for a few minutes then stated that the letter was Mistakenly sent to me. The rep (I’ll refer to him as L) was oten rude and aggressive even bordering on threatening on the phone. They did not contact me from early June, I think, until September when L called me to inform me that my payments had already been stopped and a denial letter was in route. This letter informed me I had not complied in getting information from my Doctors and, he claimed in part that since they were not responsive to the insurance company, I was now in receipt of this denial letter. After all he claimed, I really was just fine (not quoted but implied in my opinion). I had not heard a word from L in 3 months prior to that call. I had been promised I no longer had to talk to L after I complained to the insurance company. How surprised I was to pick up a call from L. He seemed quite pleased to let me know they had already stopped my payments. Long story short, like you perhaps, I was scared and had no idea where to turn. Did I need to find a local attorney? That’s what I started doing. I quickly learned there were a lot of people who had or were currently going through the same thing. Misery really does seem to love company. I started reading other people’s stories and often ran into the Dell & Schaefer name. I was skeptical. I mean, who chooses an attorney over the internet? I learned there were topics this law firm had placed on You Tube? I intently read everyone of them. I admittedly was impressed as they carefully described the process and what to expect. I read more than once. I called the national number listed. I made my choice when I spoke with Alexander Palamara, Esc. He was very informative, confident and encouraging. All of which I was not feeling prior to that call. I made my decision and never looked back. I knew without question that I would never be able to win this case on my own. I was so naive that I didn’t understand that what I thought was a very reputable and certainly well known Insurance company, would blatantly lie. They did. My attorney learned during the discovery process that they had, had much of the information they said they never got. They had had it for months. I never had to wait for response from Alexander, my attorney. If he was not available, his assistant would contact me. I was always in the loop and well informed. I was still shocked at the glaring discrepancies noted in my filing as opposed to what was noted by the insurance company’s denial letter. Some say, “Trust but verify”. I would Strongly recommend, “Don’t trust And Verify!” Act as early as you are able. Expect to provide your doctors names, addresses and phone numbers and dates. Then expect to be well represented. It’s well worth your time and money to pursue your case with Dell & Schaefer.

Why would you recommend Attorneys Dell & Schaefer?
Please see my long discription above. The words that describe my experience with Dell & Schafer are concise, prompt, attentive, thorough, upfront and honest.

What could we do to improve?
I honestly can’t think of anything.

Cynthia B.

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I did a lot of research on disability attorneys before hiring Dell & Schaefer. Many firms do real estate, legal defense and disability on the side. I wanted a firm that specialized in and only did disability claims. I chose Dell & Schaefer after many conversations with Steven Dell. Mr. Dell was very professional giving me all pluses and minuses of my claim. It was an extraordinary amount of paperwork but this was all made easy by Merlin Bryan. Merlin walked me through all the steps and was on top of everything needed. My initial claim was denied but Mr. Dell assured me I still had a good case and suggested an appeal. The appeal attorney, Stephen Jessup, was also very professional and very assuring. Bottom line, my disability was approved. I couldn’t be more happy with the firm.

One of the best things about the firm was how accessible everyone is. Mr. Dell and Mr. Jessup always returned my phone calls the same day. If I emailed Merlin Bryan something I received an answer within minutes. Mr. Jessup even replied to my emails on weekends.

Why would you recommend Attorneys Dell & Schaefer?
Bottom line, if you need a real estate attorney look elsewhere. If you need a disability attorney, look no further. Dell & Schaefer is a great firm to deal with and gets results!

What could we do to improve?
Nothing, I am very pleased.

Ross R.

Attorney Rachel AltersAttorney Rachel Alters worked on this case

When I couldn’t get help elsewhere, Ms. Alters was there. I was treated with respectable kindness. I would definitely recommend this lawyer to anyone. If I had known about them to begin with, I would have called them first. I am grateful for all they did for me.

Would you recommend Attorneys Dell & Schaefer?
Yes, definitely.

What could we do to improve?
I don’t have any suggestions that you don’t already do.

Joseph G.

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

Painless, as they did all the work and they knew what was required.

Why would you recommend Attorneys Dell & Schaefer?
They made it easy for me, and knew what to do to resolve my issues.

Cheryl D.

Attorney Victor PeñaAttorney Victor Peña worked on this case

I would just like to say that I have dealt with a lot of attorney’s in my lifetime. But this has been the most gratifying and professional Law Firm that I have ever dealt with. Their professionalism is more than 100%. I would recommend this law firm to anyone who needs help. So if you are looking for a law firm that will work for you. I would need you to contact them right away.

Why would you recommend Attorneys Dell & Schaefer?
I would recommend attorneys Dell and Schaefer Law Firm because they’re so professional. They are upfront about everything weather is good or bad. That is why if I needed another law firm to handle my business they would be the first one I would call.

What could we do to improve?
The only thing I could think of that you could do to improve would be to keep doing what you are doing.

John R.

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

Alex and Danielle were very helpful to me. They always made me feel like my case was very important to them. My calls were always returned and my questions always answered. I felt like Alex was going to protect me against the disability company that had bullied me for so long. I truly looked forward to meeting him in person. He was always professional and courtious. I feel like I received the best care possible.

Why would you recommend Attorneys Dell & Schaefer?
The treatment I received from the office of Attorneys Dell & Schaefer was the best I believe any attorney could’ve received. I would recommend them to anyone.

Sheila W.

I contacted Dell & Schaefer out of frustration with Metlife’s complete lack of response to my notice of claim letters. In my conversations with attorney Jay Kanter he reassured me I had a good policy and a solid case for long term disability benefits. Mr. Kanter was able to get a prompt response from Metlife and guided me through the application process. The assistance of attorney Kanter was instrumental in the approval of my claim and has made the application process and ongoing claims maintenance much less stressful than trying to go it alone. Everyone at Dell & Schaefer I have had contact with has been helpful and professional. I appreciate how they continue to represent me in the maintenance of my long term disability claim.

Why would you recommend Attorneys Dell & Schaefer?
They have the experience and professional expertise in disability law practice to handle the claims process and manage ongoing benefits maintenance.

What could we do to improve?
No suggestions.

Gerald T.

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

Before I started working with Stephen, I was unsure how I was going to navigate the Long Term Disability process. I had already been denied once and was very discouraged. So I did some research and interviewed a few attorneys. Its such a personal and scary process especially when you are chronically ill. But the first time I spoke with Steve I knew he was the one for me after our initial call. He was caring yet realistic about the appeals process. There were no guarantees except he was going to give 110% and he did. And that gave me hope. I can’t say thank you enough for what you have done for my family.

Why would you recommend Attorneys Dell & Schaefer?
Steve and his assistant/paralegal Kathy were always available if I had any questions. They kept me informed throughout the process, even encouraged me when I felt hopeless and stressed out. So I can whole heartedly recommend them to anyone who is considering using Dell & Schaefer. You will not just be another case number. Although insurance companies make you feel that way, you won’t feel that way with these attorneys (especially if you get Steve).

What could we do to improve?
I really don’t have any recommendations on how you could improve. To be honest my expectations were met above and beyond.

Annissa M.

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I would like to make sure that whomever Alex’s boss is knows how good he is. He was always was so kind and I felt like he would take good care of me. His opening statement to Hartford made me cry I could tell he really cared and truly reviewed my case. I can promise you that if anyone I know needs help that they use Alex. I’ll always remember him, he treated me like he was my big brother and was going to fight for me. Thank you as well Danielle you are very nice and always available.

Sheila W.

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I worked with Rachel Alters, who was very knowledgable about ERISA, my health condition and the best way to present information to my private LTD company. Being disabled, I am always tired, have little energy and have trouble concentrating, remembering things, etc. Rachel always maintained professionalism, would repeat the process if necessary and made things as easy on me as possible. She always made herself available if I requested a teleconference and her assistant was always prompt about returning my calls and providing information I requested.

In a professional setting, I’ve worked with attorneys for years and had to review and sign contracts. I know from personal experience that a contract is only as good as the people who stand behind it. I put my trust in Rachel and she delivered. We were able to get my LTD company’s denial decision reversed and I was put back on plan after she threatened to sue when they initially upheld their original decision to deny my claim. Having backpayment and being put back on plan definitely helps with my finanial stress and I know it has taken its toll on my health. I hope now that I have some financial secuirity, I can focus more on getting better and do so more quickly. There is no doubt that I couldn’t have done this without Rachel. She guided me through the whole process, making sure that appropriate things were documented, we received the right information from the right medical professionals, had tests performed when needed, etc. It was a pleasure working with her and her team.

Why would you recommend Attorneys Dell & Schaefer?
Absolutely. From the very beginning, I had confidence in Dell & Schaefer, specifically my attorney, Rachel Alters. You want a firm that specializes in private LTD cases with a record of winning. I interviewed several attorneys before making such an important decision. Everyone had a different perspective on outcome based on my condition, age, amount of the policy, etc. She had experience with cases similar to mine and didn’t hesitate to take mine. She never faltered on her position that we would win, it was just a matter of when and how much. She delivered, and I’m very happy with the outcome. She lived up to her word.

Janet

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I was getting nowhere with my absence management company. They cut off my only source of income two weeks before I was to go on long term disability. They kept giving me excuses as to why they would not finish out my STD payments. That is when I enlisted the services of Attorneys Dell & Schaefer and am I ever glad I did. They got the ball moving immediately and worked diligently to substantiate my claim. To my surprise, I was told that they were able to secure both my remaining STD payments as well as retroactive LTD payments. I would not recommend anyone going through similar circumstances to attempt to do things on your own. Go with the expert professionals, Dell & Schaefer.

Why would you recommend Attorneys Dell & Schaefer?
I highly recommend the team of attorneys and paralegals at Dell & Schaefer. Attorney Stephen Jessup and his assistant, Danielle Lauria were extremely professional. They actually replied back to me in a timely fashion when I had questions on certain matters. Besides that, they were always courteous and kind. My experience with other law firms is such that they talk down to you and they take forever to get back to you but such is not the case here. It is refreshing to find that this law firm is capable of getting the job done right the first time. I will use them again if the need arises.

What could we do to improve?
In my mind, there is nothing that I can think of related to needed areas for improvement. It is apparent to me that this law practice operates like a finely tuned instrument.

Donald M.

Attorney Rachel AltersAttorney Rachel Alters worked on this case

When I saw myself in the need to seek legal advise, I didn’t quite know where to turn, since I hadn’t needed one ever before. So… keeping up with the times, I turned to the internet. I was a little leary about that, considering that one can’t believe everything one sees on the net; I however am very happy that I did. I guess it was my lucky day cause I found the law firm of DELL & SCHAEFER.

I contacted them and was assigned to attorney Rachel Alters. From the begining she was easy to speak with, down to earth and very clear in her responses when questions were asked. I felt that she was honest and had my best interest at heart from the get go. She was very clear in saying that she could not make any promises, but she would do everything possible to help me, and she surely did. I can’t not mention her assistant Kathleen Borges, who was also awesome and very prompt returning my e-mails and phone calls. THANK YOU both for solving my case and giving me back some peace of mind.

In a nutshell, after working as a RN for 37 years, I became disabled due to complications from Rheumatoid/Osteo Arthritis and ended up with bilateral Knee Replacements. As most RN’s do, I purchased long term disability through my job’s group plan and can’t remember a time when I didn’t. The insurance company paid me for 2 years and then decided that I could go back to work in sedentary positions, which they even chose for me and could not have been further from my reality. At this point is when I decided to seek legal advise.

I’m sure there are many others in my similar situation so I want you to know there is help out there… there is Rachel Alters / Kathleen Bordes… there is……….. DELL & SCHAEFER !!!!!

Why would you recommend Attorneys Dell & Schaefer?
Excellent attorney client rapport; timely resolution of case; accurate and concise information; easy access to attorney or assistant.

What could we do to improve?
Like the song says… “Your’re beautiful just the way you are”.

Marlene D.

Attorney Gregory DellAttorney Gregory Dell worked on this case

When I first thought about a disability claim and what was required to qualify, I met with Greg Dell and he clearly spelled it all out for me. He quickly advised me that with my problems I was definitely deserving of benefits. I was given a choice between an hourly or percentage compensation rate. I choose the percentage rate as I wanted Greg to be a partner in my claim and handle all the complexities associated with getting paid and the continued documentation required. I have had my share of experiences with lawyers and I have to say Greg Dell was the most professional as well as honest and caring one I have ever met. He makes no promises but points out all the facts in your case and what he feels you need to be successful. The e-mails sent are always answered promptly. I have to mention that his staff specifically Vanessa is always available and helpful. I believe it is possible to do the whole process yourself, but I WOULD NOT RECCOMMEND IT. It is my personal opinion that the insurance company does not want to pay you no matter what and a good attorney is essential to navigate all the road blocks put in front of you. Thank you Greg for guiding me and helping me financially protect my family.

Why would you recommend Attorneys Dell & Schaefer?
I have recommended several people to Greg’s firm and they all thanked me.

What could we do to improve?
Keep serving the community in the matter and professionalism showed to me and the referrals I have sent.

Thomas S. DVM

Gregory Dell’s reply:
Your kind words mean a lot to Vanessa and I. Thank you for the opportunity to work for you and I will continue to do everything I can to make sure your disability benefits continue to be paid each and every month.

Attorney Rachel AltersAttorney Rachel Alters worked on this case

After fighting with UNUM for over a year over whether I was disabled (I had been determined to be disabled by the Federal Government and had a letter stating such), I finally decided to hire an attorney. Being skeptical and wary of money grubbing lawyers, I researched various firms over 2 months, interviewing prospective attorneys over the phone. I selected Dell and Schaeffer based on their website, case success statistics, and the speed at which they returned my calls and emails.

My experience in working with Rachel Alters and her assistant Michal Mizrahi is nothing short of outstanding. They responded quickly to phone calls and emails and were mindful of my concerns and information needs. Even when Ms. Alters was out of the office for personal reasons, she would make sure that my questions were answered thoroughly in a timely manner. I cannot say enough good things about Michal. She anticipated my needs and was proactive in keeping me informed as my case progressed.

In the end, Rachel and Michal were successful at reaching a good settlement for me with UNUM and I am very satisfied.

Resolving disputes with insurance companies is always stressful and unpleasant. I strongly suggest that if you find yourself in that place, that you seriously consider Dell and Schaeffer, and if possible, Rachel Alters. She made what could have been a horrible situation not only bearable but brought to a successful conclusion in a timely manner. I am clear that I would never had had such a positive outcome without their help and expertise.

Why would you recommend Attorneys Dell & Schaefer?
The staff I dealt with were professional, knowledgeable, efficient and exhibited good customer service. They have been here many times before and know the ins and outs of how insurance companies work, what they will and will not do and how to move the process along much more quickly than individuals could. Their fees are reasonable and they work hard to get you the best results they can.

What could we do to improve?
I cannot think of much. My experience was very positive.

Patricia E.

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I was a healthcare provider when I became ill with 2 rare diseases. I was on long term disability 2 years when they started playing games. “We think you can work full time”. Then one day they called and said we are not paying you anymore, have a nice day. Needless to say my husband and I were devastated to face this financial loss when we felt we were covered by all the insurance we had. We had provided them with anything they asked for. My LTD company had abandoned me. I needed a voice. That’s when I found Dell & Schaefer.

Why would you recommend Attorneys Dell & Schaefer?
I found Dell and Schafer online and read and watched all the testimonials and basically everything they had available on their site and was impressed by their professionalism. If I emailed Alex and or his associates I received a response that day. If I rambled on about my fears or my questions about the process he reassured me. I was treated with compassion and dignity at a time when my LTD company had taken away my dignity. In addition, Alex was able to write an amazing summary of hundreds of pages of complex medical records. Lastly, they are passionate about winning and righting the injustice of a corrupt insurance system. What more could you want in a lawyer?

Shari W.

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

They handled the case very carefully finding the proper way to challenge the disability company that they are/were in the wrong and must pay me for monies owed to me as a disabled individual.

Why would you recommend Attorneys Dell & Schaefer?
They were very professional and never gave up.

What could we do to improve?
Nothing.

Marnie A., Florida

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I was very anxious and cautiously optimistic about getting back my disability benefits from Prudential. From my first call, Stephen explained the procedure in depth. When I had questions and concerns, they were handled promptly and professionally by both Stephen and his assistant Vanessa. I can’t express my thanks enough! This is such a relief! I can pay my bills now! It is shameful that insured people have to be subjected to this kind of trauma, just to get what they already paid for! Shame on you, Prudential!

Why would you recommend Attorneys Dell & Schaefer?
Caring, professional, and efficient service.

What could we do to improve?
I will let you know when I think of it!

Esther S.

Rachel Alters is a very compassionate, professional and trustworthy attorney. She got my claim accepted expeditiously which has made this very stressful time in my professional and consequently my personal life less difficult. I am very grateful.

Barbara S.

Attorney Rachel AltersAttorney Rachel Alters worked on this case

Having had several lung surgeries including a wedge resection, lobe removal and pleurodesis as well as MAC lung disease, I was diagnosed with stage vi (end stage) COPD in October 2012. With my lung function at 23% it was becoming very difficult to manage my daily life let alone continue working in my management role at a large healthcare company. After meeting with my primary physician and my pulmonologist, it was agreed that I should stop working and submit a claim for disability. I was 52 at the time. My short term disability plan with Mutual of Omaha paid my claim for 3 months at which time it was converted to my long term disability plan with no issues. I continued to collect my LTD benefit from February 2013 until November 20th 2014 when I received a letter saying I could return to my previous position and there was nothing in my medical records to indicate disability. I was shocked to say the least, as my condition is chronic and progressive and in fact my condition had continued to decline. I didn’t know what to do and knew I did not have the knowledge or experience to appeal their decision. I was very afraid as we depended on this income to pay our bills, that’s why I held the policy for many years, to protect my family. I want to add that I applied for and was approved for Social Security disability benefits shortly after diagnosis. I immediately started to search for attorneys that handle disability claims and found literally hundreds that handled SSDI claims, but few that handled employer/private policies. I found Dell and Schaefer and filled out their quick online form and almost immediately received a reply from Gregory Dell (yes, an actual person responded!) who let me know that he asked Rachel Alters to call me. I don’t think it was more than a half hour before I received a call from her. I immediately felt a sense of relief as she explained the process and what she would be doing for me. From that day forward, I have been met with OUTSTANDING customer service from Rachel Alters and Kathleen Bordes. Any time I reached out with questions or concerns they were very responsive and always left me feeling satisfied that I had the best in my corner. The process took many months and a lot of leg work on Rachel and Kathleen’s part. When I was finally sent a draft of the appeal, I completely understood why it takes so long. The level of detail was unbelievable. I actually feel like I better understand my disease after reading it!!. The appeal was filed timely and my denial was overturned very quickly. When I learned it was overturned, I have to admit I had tears in my eyes. I want to add, that even if the appeal didn’t have the positive outcome that it did, I would feel exactly the same about the exceptional job done on my case. I’m not sure I can ever truly express how grateful I am, and how blessed I feel to have found Dell and Schaefer and especially Rachel and Kathleen!

Why would you recommend Attorneys Dell & Schaefer?
Outstanding customer service and attention to detail.

What could we do to improve?
Nothing.

Michael F.

If you have a disability insurance situation, you need a pro like Steven Dell from the start to guide, support, and battle the insurance company for you. Don’t try to take on the powerful insurance companies on your own as they have all the tactics in place to try to delay and deny your claim, no matter how legitimate. If you try to do the claim on your own, you will be at a disadvantage. Our experience with Steven Dell was exceptional. I was diagnosed with severe cardiac disease. As a result, my cardiologist and other doctors told me that I needed to cease working immediately or risk a severe heart attack or death. Unfortunately the disability insurance company did not see it that way and tried to delay and dismiss the seriousness of my illness and attempted to set up a denial. The insurance company is on your side as long as you are paying your premiums and do not file a claim. I found out that the insurance company will try to do all that they can to deny paying a claim. Fortunately Steven Dell was on our side from the start and helped us get through this stressful and lengthly process of filing a disability claim. Steven Dell advised and guided us through each step of the way and on many instances had to go head-on with the insurance carrier. The amount of paperwork in filing a claim can be substantial. Mr. Dell’s professional staff (especially Merlin) was efficient in handling everything to ensure that all the necessary paperwork was in order and submitted to the insurance company. I owe a debt of gratitude to Mr. Dell, he was a Godsend, and we were able to win the case. If you have a disability situation you need a pro like Mr Dell from the start if you want a successful outcome. Our lives are better now because of Steven Dell~ Thank you Steven!

Mark M., DDS

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

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.

R.R.

I worked with Steve Dell. I had two disability policies and both claims went as smoothly as possible. The key? Adequate preparation by the disability attorney. Believe me, I am an educated man, but unless one has experience in the field, you will make mistakes on your own (just like anything else in life). Some of these mistakes could cost you your claim. Trust me, hiring a disability attorney will be one of the wisest investments you will make.

Why would you recommend Attorneys Dell & Schaefer?
It was a smooth process. Very complete package. So complete, the insurance companies could not even find a reason to ask for any more documents. No medical exams by either company. Only one post-approval interview (unusual in itself).

What could we do to improve?
I don’t see any reason to improve.

Kevin M.