• Deposition of Insurance Co. Employee in a Disability Insurance Benefits Denial Lawsuit (Ep. 19)

UNUM employee deposition in a disability insurance claim denial lawsuit

This video is a portion of a video-taped testimony from a long term disability insurance claim denial lawsuit. The actual testimony in this video was presented to a jury in federal court.

The jury awarded disability benefits to our client. The deposition was completed on behalf of our client by attorney Gregory Michael Dell. While watching this video, you can judge the credibility of this Unum employee by watching her facial expressions.

This Unum employee, was a disability claims manager and she was the claims examiner responsible for making the final decision to deny long term disability benefits to our client, a board certified general surgeon. As the individual with the final authority to approve or deny disability benefits, it is hard to imagine that she did not know the basic requirements of our client’s occupation as a general surgeon.

This Unum claims manager came to the conclusion that our client could perform all of his material duties as a surgeon, despite the fact that she had no idea how he performed any of his surgeries. It is hard to imagine that she actually testified that she does not know if a gall bladder removal requires the cutting of the skin. The gall bladder is a human organ. If the skin is not cut, then how else did this Unum employee think the gall bladder was going to be removed?

We are passionate about helping individuals that have been denied Unum disability insurance benefits and we have resolved more than 1,000 disability denial lawsuits against Unum.

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Questions About Hiring Us

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   *****

Charles A. M.D.

I am very humbled to have the privilege to write this testimonial on behalf of Dell & Schaefer and more specifically, Mr. Cesar Gavidia. Unfortunately, after suffering from Essential Benign tremors for numerous years I lost a career for which I dearly loved. I was a dental implant surgeon whose accomplishments are quite humbling. I devoted my entire career to my patients, employees, colleagues and students. Upon discovery of my disability, I contacted Mr. Cesar Gavidia for professional guidance. Upon meeting Mr. Gavidia, I inquired of his knowledge, years of experience, colleagues and most importantly his “Passion” to represent each and every client.

What I discovered was a very sincere Gentleman with a tremendous depth of knowledge regarding my disability policies and many others aspects of business law. During the last five (5) years of my career I could have increased the benefits of my disability policy. However, I failed to do so. I thought I had all of the answers. I was wrong! I would encourage each and every reader to consult with an expert such as Mr. Cesar Gavidia prior to entering into a “Disability Insurance Contract”. Or at least shortly thereafter. You will be enlightened to learn the details and how they will affect you if you incur a career ending disability. You owe it to yourself and your family to understand your DISABILITY POLICY. Mr. Gavidia’s ability to explain the most important details was masterful. My initial conversation with Mr. Gavidia reminds me of our patients and how we sometimes would fail to explain things in laymen’s terms. And we wondered why our patients were confused? Now I know.

I would further suggest that you conduct an annual review of your policy with Dell & Schaefer to ensure your understanding and expectations to protect yourself and your loved ones. I am fortunate. I thought I had performed my “Due Diligence”. I had to a minimal level. Had I taken the initiative to contact this excellent group of experts, early on I could have protected my wife and children like a responsible spouse and father should. However, we are fortunate and blessed in that my disability insurance covers our very nominal financial requirements.

We have no additional funds for our children’s college nor do we live a lavish lifestyle. I simply receive the “minimum” to get by each month. I am very fortunate to have a “true expert” to take care of me and an insurance company, who to date has honored their contract. I thought I had performed my due diligence. In retrospect I was simply naive. While considered an “expert” in my profession with the highest accolades in the world I finally realized that it is impossible to know everything. My encouragement would be to focus on your passion and expertise and let those who are experts in their field help you.

I am very, very fortunate to have sincere and professional colleagues, Mr. Cesar Gavidia and his paralegal, Ms. Danielle Lauria help me through some very difficult times. I have returned to school and recently earned my MBA so I can “get back on my feet” and continue to help those who have blessed me so much. Dell & Schaefer helped me with this too. They encouraged me to do so when I thought the world had ended. In medicine we take an oath, “Do No Harm”. That should also apply to ourselves. Make sure you take care of yourself and your loved ones. You deserve it!

***** 5 stars based on 202 reviews

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