Why do disability insurance companies challenge disability claims filed by attorneys and business professionals?

Unfortunately most disability insurance companies think that if you are an attorney, then your job only requires you to sit at a desk all day. Most disability insurance claim consultants are trained to look at a job as the physical capacity to either sit for a certain period of time or the ability to lift a certain amount of weight. They are trained to often ignore the cognitive skills such as focus and concentration that are required to execute a job while sitting at desk. Since there is no medical device which can verify whether or not a person is actually in pain, the insurance companies will often claim that there is no objective evidence to support complaints of pain. An argument such as this seems borderline fraudulent and creates an unjustified threshold that a claimant could never meet in order to prove he or she is disabled. In more than 90% of disability claims, it is pain and its cognitive effect on a claimant that results in the claimant’s inability to work.

The Ability To Sit At A Desk All Day Does Not Mean You Can Do Your Job

In order for attorneys and business professionals that have sedentary occupations to prove their disability, they must have outstanding documentation from their treating physician and they must make sure that the insurance company understands the substantial and material duties of their pre-disability occupation. A high functioning occupation such as an attorney requires the ability to multi task, focus and concentrate for a minimum of 8-10 hours a day. Does it really matter if a disabled lawyer can sit in a chair for 8 hours a day, but has almost no ability to complete any work task in an effective manner. Does a client want to pay an attorney for 4 hours worth of time when the task should take 30 minutes? Obviously not! In order to qualify for disability a claimant does not need to be bedridden and they do not need to be disabled from the normal activities of daily living.

A Coordinated Plan or Strategy Must be Followed in order to Collect Disability Benefits

Whenever our disability attorneys represent any disability claimant, especially business professionals, we always make sure that we have a coordinated presentation of the claim with the treating physicians, claimant, employer, and any other individuals that have knowledge of the claimant’s difficulties. Every disability claim has very specific facts which can make each claim challenging in its own way. Most disability insurance policies contain different policy language therefore it is important that a claimant is in compliance with the terms and conditions of the disability policy. It is our job as disability insurance lawyers to make sure the client has all of the evidence necessary to obtain benefits and to maximize all benefits available under the policy.

Whether a claimant is at the application stage, on claim, or has been denied, the planning on a disability claim and treatment with a physician(s) can never stop. Unlike and SSDI claim, disability insurance companies evaluate claims on a monthly basis and they are continually looking for reasons to deny claims. A disability claimant should never let their guard down when dealing with a disability company and always be prepared to prove the continuous inability to work. We always offer a free initial consultation and welcome the opportunity to speak with you about your short term or long term disability insurance claim.

Comments (2)

  • John,

    I would like to tell you that you do not need to be concerned, but I would be misleading you. Never let your guard down and assume that the company will continue to pay you, especially with a mental nervous claim. The highest percentage of denied disability insurance claims are mental health claims due to the subjective nature of mental health disorders. In most of these denials, the insurance company will try to argue that a person should be able to recover through meds and different types of therapies. Obviously a person that has been suffering for many years can only try to manage their symptoms and will not likely recover to point of functioning at a job. You need to make sure that you continue to treat regularly, take your medications, and make sure you do everything your doctor recommends. Your doctor must have good documentation of your medical records and be experienced in handling disability insurance claims. If your doctor is one that takes limited medical records each visit, then this could be a problem for you in the long run. The fact that you are receiving SSDI is helpful, but not a guarantee. Down the road, the insurance company can say SSDI looked at your claim several years ago and we are looking at it now.

    Gregory Dell Dec 21, 2012  #2

  • I have been on claim for almost 3 years. I had a rare group policy that did not have the two year limit on mental health. My claim seems to be reviewed only once a year, not monthly. Should I be concerned? Thanks for all this information. I love reading the site and watching all youTube videos you have created. I transitioned from own to any occ w/o too much of a problem. I see a mental health professional once a month for treatment. I am very dubious of insurance companies. I worked for over 2 decades with the mental health problem I filed the claim for, but over the years, the disorder had just gotten to a point until I could not continue any longer. My policy pays until age 65 unless I am terminated early for some reason. I am also on SSDI. LTD is being offset by SSDI income, but I need both in order to survive now. I hated having to go thru this process. I had a great paying blue collar job with fantastic benefits but I just could no longer work due to this chronic mental health condition. Thanks for the online education on LTD you have given me. I know my policy like the back of my hand.

    John Dec 17, 2012  #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   *****

Demetric W. (Maryland)

Before I called Dell & Schaefer I called several law firms in my area and to my disappointment, I was unable to find a local attorney who I felt could really help me settle my long-term disability claim. I was at the end of my rope and I did not want to deal with my insurance carrier anymore because of the tactics they used throughout the years after I became sick. I was just about to give up until I discovered a Dell & Schaefer video on YouTube. I was amazed at the information presented because I felt as if they were speaking directly to me. As a result, I contacted the law firm and was able to speak to an attorney the same day.

I would like to take this opportunity to thank Mr. Stephen Jessup for your professionalism and prompt way of handling my case. It is very hard to find a law firm that will educate clients on all of the logistics that lead up to the final settlement offer. I will recommend your services to anyone who has legal insurance needs in the future. I’m still in shock about my settlement. Your services have far exceeded my expectations in every way. Again, thank you for all you have done for me.

I would also like to thank Ms. Sonia R. Nogueira for your constant reassurance and for always making me feel like I could call you any time and as many times as necessary with questions. Thank you for your kindness.

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