• Tips to Prevent a Unum Disability Benefit Denial & Monthly Claim Handling Help
  • How a Lawyer Helps With Disability Claim Handling
  • Be Prepared For Change of Disability Definition
  • Attending Physician Statements are Biased For Claim Denial
  • Can You Work and Collect Disability?
  • Can Disability Company Call Your Doctor?
  • Doctors Must Document Your Records Accurately
  • Disability Claimant Statement Tips
  • Continue Medical Care Or Benefits Will be Denied
  • How to Prepare and Tips for Attending A Disability Insurance Medical Exam (IME)

On-Going Claim Handling Gives Claimants Fire Power Against Unum

Peace of mind and protection against claim denial is the reason our disability lawyers manage Unum disability claims on behalf of individuals nationwide. Claim approval does not mean that Unum will pay benefits for as long as you want them. The Unum claim rep assigned to your long term disability claim is required to review your claim every month and determine your eligibility before a benefit check is issued.

The Benefits Of Having Our Law Firm Handle Your Unum Claim Are Multiple:

  1. Unum can no longer contact you for any reason as all communications both oral and written must come to our office;
  2. We complete every claimant statement with you;
  3. We work with you and your doctor to complete each Attending Physician Statement;
  4. We prepare you for visits with your doctors so that your doctor will properly document your medical records in accordance with Unum requirements;
  5. We make sure every monthly benefit check is received timely and paid correctly;
  6. We alleviate the anxiety commonly caused by receiving letters from Unum and unprepared phone calls;
  7. A Unum rep or third party investigator cannot come to your home unannounced;
  8. We limit the scope of any medical exam requested by Unum and make sure you don't get examined by a doctor known for claim denials;
  9. We consult you on things you can do that will not jeopardize your benefits;
  10. We give you piece of mind knowing that you have a lawyer that knows every detail of your claim and is ready to take immediate action if your claim is wrongfully denied.

Does Unum Think There Is A Problem Because You Have A Lawyer?

From our experience Unum prefers for a claimant to have a lawyer representing the claimant as it becomes a business to business relationship rather than a business to consumer relationship. There are no games played by Unum when our law firm is involved. Unum has probably handled more cases with our law firm than any other law firm in the country.

There is a level of respect and competency that has been recognized by Unum and we focus on getting our clients monthly benefits paid in a timely and efficient manner. We are a law firm that fights aggressively if our client's disability claim is denied, but unlike most other law firms we don't fight unnecessary disputes during the claim handling process that will only lead to a further delay in payment of your claim.

We know that our clients rely on the consistent and timely payment of their Unum disability check. We protect your claim to make sure the Unum disability benefits are paid for as long as you need them.

Our disability insurance lawyers have helped thousands of Unum disability claimants nationwide to recover disability benefits. Unum is a one-trick pony and they unfortunately are trained to look for any reason to deny or delay your application for benefits. In our videos above we provide a lot of helpful information about Unum. We recommend that you contact us immediately for a free consultation and review of your Unum disability claim.

Questions About Hiring Us

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   *****

Daniel G. (Illinois)

I am so grateful to Rachel Alters and her staff for helping me with my uncle’s claim! She was amazing. This was a very difficult case, because my uncle was mentally disabled. He had failed to immediately make a claim, because he was too disabled to even do the simplest of tasks. As soon as I found out about my uncle’s disability policy, I called several attorneys. They were hesitant to work with my uncle, because of the extensive work involved with backdating his claim. I then called Dell & Schaefer and it was one of the best decisions that I have ever made. They patched me through to Rachel Alters and the rest is history.

She worked diligently to backdate my uncle’s claim and to secure his rights to future disability payments. We still have a long road ahead of us with regards to my uncle’s disability, but I am so grateful to her for securing his right to disability payments. We will be able to use this money to make sure that he gets the health care that he needs.

Disability insurance is a complex business. As an attorney myself, I can tell you that when it comes to disability insurance, you really need somebody in your corner to make sure that your rights are protected. There is nobody that I would rather have in my corner than Rachel Alters.

***** 5 stars based on 202 reviews

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