Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell & Schaefer Appeals Team

In 2016, Sarah, an Account Manager, began suffering severe abdominal pain accompanied by bloody diarrhea. The frequency and condition was so severe that she was diagnosed with anemia from the blood loss and profound fatigue from the nutrient loss. By the end of 2016 Sarah was no longer capable of effectively performing the material and substantial duties of her own occupation as an account manager and was forced to stop working. In early 2017, Sarah attempted to return to work but failed, and was forced to file a long-term disability claim with her employer’s long-term disability insurer, Unum Life Insurance Company (“UNUM”).

Soon after she submitted her disability claim, Unum began its investigation, which included a doctor to doctor – or peer to peer as it’s often referred to by disability insurers – teleconference. Sarah’s primary care physician confirmed that her chronic conditions prevented her from returning to work, and were uncontrolled. Sarah’s primary physician also confirmed to Unum’s physician that she had referred her to a gastroenterologist specializing in digestive disorders to treat her.

Despite Unum’s peer to peer consultation with Sarah’s treating physician and the medical evidence strongly evidencing her clear and unquestionable claim, Unum denied her claim and informed her that if she wanted to challenge their adverse decision she could submit an administrative appeal within 180 days, as provided by ERISA.

Sarah retained Attorney Cesar Gavidia and his appeal team at Attorneys Dell & Schaefer to challenge Unum’s decision and prepare her ERISA appeal.

The Appeal submitted by Attorney Gavidia and his appeal team addressed several flaws in Unum’s decision to deny benefits, including Unum’s failure to adequately consider Sarah’s occupational requirement for travel and Unum’s lack of consideration to the psychosocial impact of Sarah’s condition on her functionality. A detailed and exhaustive historical chronology of Sarah’s medical condition and her symptoms was also included.

Approximately three weeks after the submission of the Appeal Unum overturned its decision and approved Sarah’s claim for benefits. Attorney Gavidia and his team continue to represent Sarah and actively monitor Unum’s handling of her long-term disability claim.

Please call our disability attorneys for a free consultation on this or any matter relevant to your disability claim.

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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.

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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.

Dell & Schaefer Client Reviews   *****

Lester D.

They are so professional & thoughtful, from the very first contact to the last. They took the time to explain every detail so we always knew what was happening and what to expect next. I firmly believe we would not have won my appeal without their expertise. They were so prompt & courteous when handling our case, I couldn’t have found anyone better to handle my disability appeal. We were elated when we won our case, thanks to them!

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