• Three Important Things to Consider When Applying for Disability Insurance BenefitsThree Important Things to Consider When Applying for Disability Insurance Benefits

Three Important Things to Consider When Applying for Disability Insurance Benefits

In our most recent video, Attorney Gregory Dell provides a few important tips that must be considered when applying for either short term or long term disability insurance benefits.

Mr. Dell discusses pre-existing condition provisions, regular occupation versus own occupation definitions of disability and communicating with your employer about your disability.

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There are 4 comments

  • Dorese,

    Hartford has the right to review all your medical records. If you feel that the Hartford claim person in not treating you fairly, then you should send a letter and ask to have a supervisor contact you. Always deal with Hartford Insurance company in writing.

    Gregory DellOct 1, 2012  #4

  • I was recently approved for short term disability through Hartford. My disability is job related. Hartford disability was part of my benefit package. For over a month I have been waiting for approval of long term disability through same company. Since then I have been harassed, belittled, interrogated althogh I have complied! Now the examiner wants my notes from my licensed therapist as another tactic for delaying this claim.

    What are my rights concerning my psychotherapy notes or notes from behavioral health (I noticed that she had to get higher approval to release notes)? These are private notes about my feelings at the time.

    And what rights do I have regarding dealing with such an intimidating examiner who is making my disabled condition worst and prolonging success in my treatments? I have no income right now and this makes my condition worse! I’ve complained about examiner but I am forced to talk with her only. Example: if I call Hartford to say “Did you get the medical records?” she starts to go off point and start to put me in the witness stand whereby I have to constantly explain and defend myself!

    DoreseSep 30, 2012  #3

  • CeeCee

    You are stuck in the same situation that I hear about on an almost daily basis from the AT&T employees. Sedgwick is trying to strong arm you to return to work. It seems that if you choose not to return to work, then your only option is to sue them now. You can return to work and then file another claim if you can’t work. Please see our page discussing the numerous complaints from Sedgwick policy holders at diattorney.com/sedgwick-cms/.

    Gregory DellSep 14, 2012  #2

  • Yesterday I, like many others, got the call from the Appeals Case Manager that my claim was denied for all but four days before my FMLA ran out. Those four days are only dates I had injections as an outpatient and the day after. Anything after those dates, was denied.

    I submitted TWO letters to ATT’s Intengrated Disability Center (Sedgewick CMS) and was told I would be notified by them as to whether or not the job accommodation could be made. When I asked about that, it was glossed over and told I had to apply for “Job Protection” and “Job Accommodation”, but I must come back to work by 9/18/12 or it would be job abandonment. I have done everything right, I have played by the rules… including “no travel”.

    My problem is I need two joints replaced and also will need fusing or cages in my lower back. I can not sit in one position for a long period of time. My doctor also states I need to be in a reclining position.

    How does on return to work with no promise of accommodation? I need my job and my medical insurance – if they deny anything, I will be fired for an excess amount of illegal absence. Sedgewick denies everything stating not enough medical documentation. I take narcotic pain killers, am in pain constantly, even home awaiting the joint replacement. What’s to stop them from demanding a urine test – that certainly will put me out of work.

    Also, I have a history of anxiety disorder with panic – which was well controlled. Not now, I with no pay since April and being left in “limbo” the panic attacks have returned. I saw a doctor and was prescribed Xanax, another substance that will get me fired from a urine test. Panic attacks are at least 3X a week now – going back to work in a hostile work environment is just going to make it worse. Which way do I turn?

    CeeCeeSep 12, 2012  #1


Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Patrick J.

My experience with Dell & Schaefer began after a prolonged and frustrating experience with my disability carrier subsequent to contracting an illness which left me incapacitated. As a few examples of the frustration I am referencing: I had been accused by the ‘doctors’ appointed by my carrier to review my case as being a narcissistic fraud; the carrier sent a man to my home in the country unannounced to interview me (while I was not there but my wife and small children were); the carrier seemed to be fighting my doctor’s diagnosis and statement regarding my disability and illness; the carrier was not communicating well with me and was being cryptic with responses to legitimate questions.

I finally was so stressed from what should have been a simple process, and exhausted from the emotional and mental toll of filing a claim, that I was about to give up in the interest of maintaining what little health I had left and not wasting it fighting my carrier. I reached out to Greg Dell and he immediately set up a time to talk with Stephen Jessup and himself. I told them I just couldn’t keep managing the process – that the fight was taking its toll and I was inclined to either ‘tap out’ or quit altogether. After reviewing my case they were more than happy to drive their tank into the battle which I had been fighting with a handgun (Mr. Dell’s example). I signed with Dell & Schaefer, and suffice it to say this ‘tank’ comment seems to have been true as the very same day my carrier received the letter from Dell & Schaefer saying I had engaged their services is the same day my claim was approved.

I was curious to see how service would be after they had me contractually obligated to them. I have been impressed on this front as well. Every effort to correspond receives a response within 24 hours. Mr. Jessup is my primary contact and I have received more than one personal note from him encouraging me as I battle my illness; I believe that he really does care beyond just the financial interest the firm has in my case. On the business side of my interaction with them, I have been impressed with the thoroughness and timeliness of all responses – no matter how unimportant they might seem to Mr. Jessup. On the occasion when a question is more administrative in nature and Mr. Jessup or Mr. Dell need to defer to one of their staff, the staff is equally as timely and thorough and professional in their responses.

The stress and frustration of dealing with my carrier are gone; this benefit in and of itself is priceless. To add, I feel the benefit I gain from having Dell & Schaefer as my advocates makes their fees seem to be an excellent value.

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