• Why Is It Important Not To Rush Your ERISA Disability Appeal?

Why Should A Claimant Take Their Time Filing an ERISA Disability Appeal Letter?

As disability insurance lawyers that helped thousands of long term disability insurance claimants, we understand that once disability benefits are denied a claimant can immediately experience financial difficulties. In this video, disability insurance attorneys Rachel Alters and Gregory Dell discuss the importance of submitting a very detailed appeal and why it is not as simple as just writing a quick letter. You usually only get one shot for an ERISA appeal and the appeal must be five star in order to have the best chance of collecting long term disability benefits. We encourage you to contact any of our lawyers for a free initial phone consultation and we are available to help you nationwide.

Comments (6)

  • Michelle, often the LTD claim is connected to the STD claim and will not even be considered until the STD claim has been approved and paid. But if the LTD claim is not through Principal and not connected to your STD claim then you may be able to file for the LTD claim separately. I would call Broadspire and ask them if they will accept an application. In the meantime I recommend that you appeal the STD claim within the 180 days or you will lose the right to the claim and the right to sue Principal.

    Rachel Alters Jul 14, 2018  #6

  • Hi,
    After working for a school District for 15 years, I was recently denied my STD through Principal. I requested a copy of my claim and feel there is a lot wrong with what she filled out or lack there of. It says I now have 180 days to appeal. I’m sure I will. However, does that mean if I do not appeal that I will not receive Long term disability because of the short term denial? My LTD is through Broadspire.

    Michelle Jul 13, 2018  #5

  • Tina,

    To determine an appropriate fee would require an analysis of your claim at the time of denial. If Hartford denies your claim please contact one of our attorneys to discuss your options.

    Victor Pena Feb 7, 2018  #4

  • Hello, I’m receiving SSDI and LTD benefits thru Hartford. Hartford is reviewing my case based upon the 24 month limitation re: ability to do ANY job in the national economy, a pretty low bar. I’m a nurse with severe spinal and other musculoskeletal issues. I’ve been diagnosed with a connective tissue disorder since my initial application, which explains the condition of my spine and joints. I anticipate my benefit will be cancelled. They sent me psych forms even tho my disability is based on medical issues. I’m hoping they can’t mess with my SSDI. I’ve decided to turn it over to an attorney if I’m cancelled. Is your fee 25% of recovered $?

    Tina Feb 6, 2018  #3

  • Thank you for your kind words Mike. I am happy we were able to win your appeal and get your LTD and waiver of premium benefits reinstated! We make sure our appeals are extremely detailed and contain a great deal of medical support to ensure our clients have the best chance at winning their case. In your case, as with many others, our hard work definitely paid off.

    Rachel Alters Feb 6, 2018  #2

  • I was fortunate enough to have Rachel Alters handle my LTD appeal in 2014. I took 180 days and when all was said and done it was 266 pages long! The detail was amazing and my denial was immediately overturned. I strongly suggest that an individual doesn’t go it alone in this process. I think the other great advantage to having her handle it is I can reach out to her anytime I have any issues or questions with the insurance company and she deals directly with them. I recently had an issue where they were not waiving my premium for the life insurance I ported when I had to stop working. Rachel not only got my premiums waived going forward, she got me a refund of all my premiums going back several years. One of the smartest things I’ve done was to contact Dell and Schaefer when my LTD was denied.

    Mike F. Feb 6, 2018  #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   *****

Dr. Kenneth A.

I want to take a minute and tell you… as well as ‘The Greg Dell’ team: “Thanks for all your assistance” during the past 4+ years. I will never forget that late night… in 2012 – sitting alone in my chiropractic office… anxiously wondering “how in the heck am I going to get through all this”! I emailed you late and you called me back on a Friday night. That call literally changed my life… not only my life… but the lives of the members of my family. You told me that you thought I had a good claim and that you would manage every part of the process from start through finish.

I am now ‘through-it’… and it’s hard to imagine… but I’ve had absolutely no issues with my insurance carrier… a carrier with a horrible reputation of harassing clients on policy. And Greg… I honestly attribute this to you folks. Y’all made our lives easier and less stressful.

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