Why is a different company handling my claim for short or long term disability benefits?

There are many insurance companies that sell short and long term disability insurance policies, but they do not administer the policy if a disability claim needs to be made. Most large companies such as AT&T and Walgreens will self fund their disability insurance benefits and use a third party administrator to make a decision on a claimant’s eligibility for benefits. Equitable Life Insurance company sold disability insurance policies for many years, but they us Disability Management Services to handle any filed claim. Watch our video to learn more about third party administrators.

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There are 6 comments

  • Curtis,

    Please feel free to contact our office to discuss how we may be able to assist you in filing your appeal.

    Stephen JessupSep 18, 2014  #6

  • I need help on a appeal. The company said I could go back to work but I am still under doctor care for what they took me off for. American Electric Power. Prudential is handling their LTD for them.

    Curtis McGheeSep 17, 2014  #5

  • Trish,

    Unum will sometimes act in an administration capacity with MetLife, but usually only under individual insurance policies.

    Stephen JessupSep 17, 2014  #4

  • Just wondering, is UNUM a third administrator for major companies? Didn’t hear them mentioned in your video. Having a major issue with my employer, Citigroup, who uses MetLife for self funded short term & long term disability claims. Thanks.

    TrishSep 16, 2014  #3

  • Miguel,

    If you need assistance with respect to a short or long term disability policy through PepsiCo, then by all means feel free to contact our office to discuss any potential claim/issue you may have.

    Stephen JessupSep 16, 2014  #2

  • I need representation for my claim against my employer PepsiCo.

    Miguel PandolfelliSep 16, 2014  #1


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.


Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

Michael C. (Virginia)

Greg Dell and his assistant Anneli have been extremely responsive and helpful, not only our initial consultations, but in follow-ups 1 and 2 years later with the insurance company to ensure that they comply with their agreements (which they did), as well as a separate and only slightly-related inquiry about our health insurance. I always hear back from them very quickly, which is rare and greatly appreciated.

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