Unum Pays One Million Dollars in Disability Benefits to Disabled Lawyer After Reviewing Disability Appeal Submitted By Attorneys Dell & Schaefer

One day, our client woke up with a severe headache and was unable to go to work. Her headache was so severe that she went to the emergency room and had a CT scan and a spinal tap to rule out meningitis. She hoped her headache would go away, but after 4 days in the hospital and numerous medications the headache continued. The doctors completed every possible test to determine the cause of the headaches and then told her she should feel better shortly. Unfortunately, five months later she continued to experience a constant daily headache and was still unable to return to work. Her employer provided a UNUM disability insurance policy that would pay her $40,000 a month if she was unable to perform the duties of her occupation. Unum initially approved her disability claim, but after paying for three months Unum denied benefits and sent a letter stating, “The level of care and known activity is inconsistent with headaches that would rise to a level of impairment.” Shortly after receiving the denial, disability attorney Gregory Michael Dell was hired to appeal the Unum disability denial.

Headache Claims are Always Challenged By Disability Insurance Companies Such as Unum

This disability claim was highly scrutinized by Unum due to the large monthly benefit of $40,000. Prior to becoming disabled our client was earning in excess of $1.2 million annually and she billable hourly rate was $1,000. She was a finance transactional lawyer with a mostly sedentary job. Her duties required her to work on multi million dollar financing agreements for some of the world’s largest banks. She supervised 8-10 lawyers and any financing deal required her to be in communication with more than 30 people. Unum claimed that despite her headaches and difficulty focusing, that she should be able to work. Unum claimed she was not taking enough medication and since she could jog for 30 minutes twice a week, that she could work at least 40 hours a week.

Disability Attorney Gregory Dell Submits an Extensive Appeal and Unum Denial is Reversed

Through a coordinated effort with more than 8 different physicians and extensive occupational job description, Unum finally understood why our client could not perform her job. Unum was also educated about the extensive medical literature which encourages exercise for people suffering with chronic daily headaches. Unum also claimed that our client was not taking enough medication, yet UNUM failed to previous consider the extensive medical literature discussing how Medication Overuse can cause more headaches for a person. There are numerous types of headaches and extensive medical literature which discusses the potential treatments for people suffering with headaches. More than 100 million people suffer from chronic headaches. There are virtually no medical test available which can verify or measure the pain a person experiences while having a headache. Insurance companies often take advantage of this and unreasonably deny claims. In the instant case, our client was very pleased that once Unum reviewed the Appeal we submitted, that they accepted their erroneous disability denial and paid past due benefits. The client has received $1,300,000 plus she will receive a monthly check each month for as long as she is unable to work as an attorney.

Our client retained Dell & Schaefer pursuant to a contingency fee agreement, which means that she did not pay any attorney fees until a recovery was made on her case. If no recovery was made, then the client would not have been responsible for any attorney fee or costs. This case was not litigated since we won the ERISA appeal.

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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
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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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