• Who Makes The Final Decison To Approve Or Deny Disability Insurance Benefits? (Ep. 17)

Who makes the final decison to approve or deny disability insurance benefits?

Is it the disability insurance claim representative or hired insurance company doctor that makes the decisional to approve or deny benefits?

Most disability claims examiners do not have any medical background or training, but they should be smart enough to know that is unreasonable to rely on the medical opinions of a doctor/consultant that is paid $577,00 by the same insurance company over approximately a two year period. In every long term disability insurance claim denial deposition that our disability attorneys have taken, the claims examiner will always state that he/she made the determination to deny disability benefits. It is ironic that we always get the same answer, because it is actually the claims examiner’s hired doctor that usually determines if a claimant has restriction and limitations.

Our disability lawyers have reviewed thousands of disability insurance denials and we have never seen a claim approved in which the insurance company’s hired doctor found no restrictions and limitations for the claimant. The disability insurance claims examiners essentially have an unwritten procedure of rubber stamping a medical consultant’s finding of no restrictions and limitations. Most disability claims examiners will attempt to justify their actions by stating that they are not physicians and therefore must rely on the findings of their hired medical consultant.

In this video we have an included an excerpt from the deposition of two different Standard Insurance Company employees that were involved in the denial of our client’s claim for long term disability benefits. This deposition was taken by disability insurance attorney Gregory Michael Dell. The Standard Insurance Company claims examiner in this particular case was given the task of determining whether our client, a physician, could perform the duties of his occupation. The claims examiner is specifically asked “How she deciphers between the opinions of her hired physician (Dr. Dickerman) and the opinions of our client’s treating physicians?

In this case the claims examiner relied on the opinion of Dr. Dickerman, Standard Insurance Company’s hired medical consultant rather than our client’s treating doctors. Not only did the claims examiner rely on Dr. Dickerman’s finding of no restrictions or limitations, but the file was then given to another Standard Insurance Company employee that was asked to make a determination based exclusively on the findings of Dr. Dickerman. While Dr. Dickerman may be a credible doctor, a United States District Court case revealed that “Dr. Dickerman reviewed 1,939 files for Standard from 2003 to 2005, for which Standard paid him $ 577,000.” Is it unreasonable to suggest that Dr. Dickerman’s opinions may be biased in favor of the insurance company?

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Questions About Hiring Us

Do you help Standard claimants nationwide?

We represent Standard 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 Standard disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Standard. 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 Standard.

How do you help Standard claimants?

Our lawyers help individuals that have either purchased a Standard 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 Standard:

  • 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.

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   *****

Michael and Jo Ann H.

Cesar Gavidia handled our disability claim which turned out to be very complex… not the simple claim we thought. After reviewing all options and being fully advised as to all options we agreed a settlement would be in our best interests and authorized Cesar to go forward. He was able to procure an extremely good settlement under the circumstances… he was pleasant professional and extremely knowledgeable in his field of insurance disability claims. I can’t say enough good things about our experience. Our only disappointment was the understanding of all the factors involved in the claim but when faced with reality… Cesar did a tremendous job for us. And our case was resolved quickly once the decision to settle was made.

***** 5 stars based on 202 reviews

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