Unum approves long term disability benefits for a financial advisor diagnosed with multiple disc herniations in her neck

Our client was a successful, experienced financial advisor who operated her own practice. In December of 2008, while stopped at a red light, her car was hit from behind by a cement mixer. As a result of the accident she sustained multiple disc herniations in her neck, and pain that radiated into her shoulders and down her arms. Despite her efforts to continue working following the auto accident, she was unable to do so. No longer able to advise her clients as to important financial decisions affecting their futures, she was left with little choice but to apply for long term disability benefits under her individual disability policy purchased from Unum. In April of 2009 she contacted Dell and Schaefer to assist with her application for long-term disability benefits. Despite our client contacting us in April of 2009 and her continued attempts to work, we were able to prove that her date of disability should be the same as the date of her accident.

After gathering all the information necessary to properly present her claim for disability benefits, Dell and Schaefer submitted her disability application in mid May 2009. From the time the application was submitted, Unum began to delay the processing of her claim. Despite overwhelming medical support of a severe neck injury, which her doctors indicated would require surgery to repair; Unum sent her claim for two separate medical reviews. Unum had our client’s reviewed by both their in-house medical doctor and an outside medical doctor. Unum required an hour long field interview, asking questions already answered in her application and in subsequent responses to requests for information, all in an attempt to find any inconsistency with which to deny her claim. Unum continued to “evaluate” her claim for over a month and a half, citing medical records review and vocational reviews as reasons for the delay. Attorneys Dell and Schaefer sent multiple letters and made numerous phone calls to demand payment of disability benefits to our client.

In August of 2009, unable to deal with the pain and discomfort, she underwent surgery to fuse two vertebrae in her neck. Attorneys Dell and Schaefer contacted Unum immediately regarding the same and forwarded the applicable records to ensure Unum would not try to delay any longer. Within a week Unum finally approved her claim and forwarded a check for all back and present benefits due. However, this will most likely not be the end of the fight with Unum. Within two weeks of her surgery Unum was already demanding updated forms inquiring as to her intent to return to work and her daily activities. Unum made it very clear that approval for long term disability benefits is a month to month evaluation. Attorneys Dell and Schaefer will continue to fight for her rights to long-term disability benefits while she focuses on recovering from surgery.

Attorneys Gregory Dell and Stephen Jessup assisted her in applying for, and maintaining her benefits. Attorneys Dell and Schaefer assists numerous clients each month in maintaining their claim, acting as the liaison between the insurance company and our clients.

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Do you help Unum claimants nationwide?

We represent Unum clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Unum disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Unum. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Unum.

How do you help Unum claimants?

Our lawyers help individuals that have either purchased a Unum long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Unum:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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.

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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.

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I am a financial advisor with 28 years experience and a very good knowledge of DI plans. Recently I recommended a client of mine to Cesar Gavidia after 5 different firms declined the case unless placed upon retainer. Cesar cut through it all and within a few weeks got an acceptable settlement for my client. I cannot express how pleased I am with Cesar.

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