• What Is The Administrative Record In An ERISA Disability Appeal?What Is The Administrative Record In An ERISA Disability Appeal?

What is the Administrative Record in an ERISA disability appeal?

The Administrative Record (also known as a claim file) consists of all the information provided by a claimant to support disability during the course of a claim (to include claim forms, medical records and employment information) or information collected by or created by an insurance carrier during the course of its review of a claim for entitlement to benefits. The Administrative Record spans the time from when a claim is first filed to when a final denial is entered by the disability insurance carrier. At trial a Judge can only consider substantive information contained in the claim file and, except for instances that only relate to a conflict of interest or procedural irregularities, the court cannot consider any other information that was not provided within the time frame of the administrative record. This is why preparing the ERISA Appeal is so important and vital to winning a claim. If one fails to provide valuable information to support their disability, they may forever be excluded from doing so. A claimant must provide the insurance company with every document he or she thinks is relevant prior to the time the disability company makes a final decision to deny a final ERISA appeal.

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FAQ

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.

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Patricia H. (Hawaii)

I would have never received a penny if I did not seek the help of Dell & Schaefer Law Firm. I was not able to get The Hartford Insurance Company to pay me no matter what I did. I had paid into the system which was denying me the benefits when I needed them the most! I was sick, recovering from chemotherapy and was told by my doctors not to return to work until my lab values were within the normal range. Trust me I wanted to get better! Finally, with the consistent help of attorney, Stephen Jessup, we won the case and I received payments.

I am now well and not in need of long term disability. This is a situation where the insurance company denied me until a law firm was there to back me up. When this firm says they will do whatever it takes they mean it. I highly recommend Stephen Jessup. I am thankful for the ability of this legal team to fight for our rights.

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