• Why Was ERISA Created?Why Was ERISA Created?

Why was ERISA created?

ERISA claims were designed so that companies could offer benefits more affordable to employees. The idea was that, by making it more difficult to get into court in the event of a dispute, it would cut down on the cost for an insurance company to defend claim denials.

Essentially, the Government created a system that said you have to go back and appeal to the company at least once, if not twice, before you bring in a lawsuit in Federal court. And the thought process was that, if we make it higher barriers to get into court, then it would be less expensive to manage these disability claims and hence we could offer these policies at lower premiums.

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FAQ

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   *****

William K.

At the start of this journey I was not feeling very positive. The letters from my insurance company and their phone calls gave me little hope. I met with Mr. Jessup and he reviewed my file with me carefully and he explained his feeling very carefully to me. He was positive and I felt a sense of honesty and concern. The process did take a few month and I was not very positive. This firm continued to ask me to hang in there and we will fight for what you deserve. Their honesty and positive communication was so helpful to me. Mr. Jessup and his support staff always returned my calls and gave me hope. My claim for long term disability benefits was approved.

***** 5 stars based on 165 reviews

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