• Top 5 Reasons for Disability Insurance Denial

Top Five Reasons for Disability Insurance Denials

Nationwide Disability attorneys Gregory Dell and Rachel Alters discuss the top five reasons that Disability Insurance Claims are denied.

The information in this video applies to both ERISA and Non-ERISA disability insurance policies.

The top five reasons for denial are:

  1. Claimant is videotaped by the insurance company’s private investigator;
  2. Claimant is sent to a Compulsory Medical Exam by Insurance Company;
  3. Claimant has a change in Disability Definition from Own Occupation to Any Occupation;
  4. Treating Physician does not properly document Claimant’s Medical Condition in Medical Records;
  5. Treating Physician or Claimant Makes a Mistake with a Claim Form;

Leave a comment or ask us a question

Questions About Hiring Us

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   *****

Gladys F.

I worked extremely hard on Wall Street for over twenty years – spending almost seventeen years at one of the biggest and most reputable firms – where in the 360 annual reviews I was consistently within the top five percent of performers. I suffered an injury while at work and had to undergo spine surgery and take medical leave to recuperate which lasted almost six months. However, that surgery didn’t do what we all expected and as time went by I got worse. The pain was too much, I was hardly able to walk, work, commute, sleep or anything. I had to be constantly drugged, having involuntary leg spasms at night that are extremely painful. Three top US Doctors agreed the only way to help me was for me to undergo an anterior and posterior spine fusion. This meant a very long and risky surgery and we didn’t know how long I would be unable to work. At that moment – I was laid off from my job.

After the 2nd surgery and until today, I continued to suffer from lots of pain, lack of mobility, depression, anxiety, inability to care for myself or my family, the painful leg spams continued and I realized my life had changed for the worse. I applied for disability insurance from my LTD carrier – this is the insurance I had been paying out of pocket for about sixteen years just in case I ever needed it. Despite all the Doctor’s reports, all the pain and suffering, the disability, medication and symptoms I have, the fact that my family has to do many things for me including help me bathe and dress and despite the fact that I’m going to need a third surgery pretty soon, the LTD carrier denied my claim. I contacted the law firm of Dell & Schaefer after conducting some research on great law firms in the US.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us