• When Should You Hire A Disability Attorney?

When Should You Hire A Disability Insurance Attorney?

From a disability insurance claimant’s filing of their initial application for disability benefits to a courtroom victory, there are four important times when a claimant can really benefit from the expertise of an attorney. Learn more about how important it is to hire an ERISA-trained attorney if you’re seeking benefits under your disability insurance policy.

There Are 4 Times You Can Hire a Disability Insurance Attorney: Applying, Monthly Claim Handling, The Appeal Process & the Litigation Process

There are four “trigger points” in a disability claim: application, monthly claim handling, the appeal of a claim denial, and the litigation process. At the application stage, a disability insurance attorney can help you set the groundwork for your disability insurance  claim – essentially, telling your story to the insurance carrier that holds your long term disability insurance policy. Starting off with a strong disability application that includes all the elements the disability insurance carrier is looking for can significantly reduce the odds that your claim will be denied or you’ll need to appeal.

There are 4 Times You Can Hire a Disability Insurance Attorney: Applying, Monthly Claim Handling, The Appeal Process & the Litigation Process

The Benefits of Monthly Claim Handling

A disability attorney can also help claimants manage their claims. In most cases, even if a claim is approved, that’s not the end of the road – the insurance carrier is likely to follow up with forms, interviews, requests for medical records, or even video surveillance to see whether you’re too disabled to work. By hiring a disability insurance attorney, claimants can delegate these documentation requirements to their legal counsel and focus on more important things.

Why It Is Important to Have a Disability Insurance Attorney Represent a Claimant for an Appeal

One of the most common points at which a disability insurance claimant will hire an attorney is when the disability insurance application has been denied. Many long term disability insurance policies require a claimant to file an appeal of the denial before the disability insurance claimant can sue. In an ERISA (or group) claim, the appeals process provides claimants with a final opportunity to create a complete administrative record. If an important piece of information doesn’t make it into this record, it can’t be considered later – even if it might otherwise be dispositive.

The Importance of Having an ERISA Trained Lawyer

When a claimant has unsuccessfully appealed the denial of their disability insurance  claim, there is one option left: a disability insurance lawsuit. Although disability claimants technically can represent themselves in a lawsuit (and are called pro se litigants), attorneys have to graduate from law school and pass a bar exam before they ever appear in a courtroom – and for good reason. Having a lawyer with specific experience in ERISA claims ensures you’ll be able to navigate the complicated web of disability insurance claims with ease. Under ERISA standards, a judge will reverse an insurer’s denial of a claim only if two factors are met:

(1) the claimant is disabled; and

(2) the insurer’s denial was either “arbitrary” or “capricious” (or both). 

Simply proving the claimant is disabled is not enough.

If you’ve reached one of these pivot points in your own disability insurance claim, it’s never too late to reach out for legal assistance. At Dell & Schaefer, our team of disability insurance lawyers is available nationwide. Let us provide you with a free consultation to discuss your disability insurance claim.

There is one comment so far

  • Do you represent for short term claims as well?

    Sandra Haycraft Aug 3, 2021  #1

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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   *****

Jeff C., MD

If you want a professional law firm that does not give up and gets the results you expect, Dell & Schaefer is an excellent firm to utilize. They are very accessible and will communicate with you in an amicable fashion and make sure you understand what needs to be done to be successful. I got a big lump sum from an insurance giant in the disability field after being denied initially and they went up the ladder to speak to a key player there that saw how a lump sum settlement made sense for both parties. I am a physician and have spoken to many attorneys but if you want the best out there, this is the firm to utilize and the odds are good you will win your case.

***** 5 stars based on 202 reviews

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