Unum approves opthamologist for long-term total disabilty benefits

Our client, a 58 year old ophthalmologist, was forced to stop working as a result of rheumatoid arthritis and cervical herniations in his neck. Prior to filing for disability, the law firm of Attorneys Dell & Schaefer was retained in order to assist with the application for long-term disability benefits and the transition from working full-time to total disability. Our client’s policy stated that he would be considered total disabled if he is “unable to perform the substantial and material duties of his occupation”.

Our client’s pre-disability occupational duties required him to be able to perform eyes surgeries on a weekly basis such as:

  1. Intraocular & extraocular microscopic procedures
  2. Refractive Surgery
  3. Laser keratomilleusis/ (cornea reshaping)
  4. Cataract extraction (Phacoemulsification)
  5. Intraocular lens implantation
  6. Excision of tumors and lesions
  7. Yag Laser Capsulotomy and Iridotomy
  8. Pterygium Removal
  9. Argon laser trabeculoplasty
  10. Chalazion Excision
  11. Insertion of Lacrimal Perm Plugs
  12. Excision of conjunctiva
  13. Phorefractive Keratectomy
  14. Eye lid surgeries

Our client has both an individual disability policy and business overhead policy issued by Unum Provident Corporation. Our client’s disability benefits were paid timely upon completion of the policy’s elimination period. Our law firm continues to manage our client’s disability claim on a monthly basis in order to insure the continuance of benefits in a timely manner.

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FAQ

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.

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   *****

Eloisa V.

I am a 62 year old woman that got ill and was unable to work. I had long term insurance that was paid by my job. One day I received a letter from the Hartford insurance company saying that I would not get paid any more since they thought I could perform any job.

I did not know what I was going to do since I could no longer work and my social security was not enough to pay my bills. I called a lot of attorneys in California and was not able to get a lawyer to take my case. I went on line and found Attorneys Dell & Schaefer. The reception took my name and in less than an hour I got a call from attorney Stephen Jessup. I told him what was happening and he listen to me and started the paper work. Now I’m a very happy person because Attorneys Dell & Schaefer won my appeal and got my long term insurance payment started again. They are always on top of things.

I have been very pleased with them and their office staff because when I call their office I always talk to a real person, they are very fast at calling me back and answer all my questions. I would highly recommend their service to anyone in need of an attorney.

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