At Dell & Schaefer, we’ve been contacted by many disability claimants whose claims have been denied. Over the years, we’ve seen just about every possible basis for a disability benefit denial – and one of the most frequently-seen reasons involves the disability insurance carrier’s paper review and independent medical exam…
There is no single medical test that can confirm the diagnosis of chronic fatigue syndrome. For many patients it can take over a year before your doctor diagnoses you with chronic fatigue syndrome. Disability companies often try to argue that you have a mental condition and that your physical limitations…
It is common for a disability insurance company to deny long term disability benefits when a person is transitioning from short to long term disability benefits. Many people are led to believe that if they were approved for STD then their LTD will automatically be approved. This is unfortunately not…
If you’ve recently received a denial letter from Mutual of Omaha on your claim for long term disability insurance benefits, you may be worried and wondering about your next steps. Fortunately, the appeal process can present one of the best opportunities to resolve your claim for…
Reliance Standard is one of the biggest names in the group long term disability (LTD) insurance world. Even though it’s a major player in the insurance industry, it deals with the same problems as other insurance companies – including high employee turnover and inadequate training. Because…
Equitable is one of many disability insurance carriers that offers long term disability policies to employees (through their employers) and individual purchasers. But unlike some of the other big names in the disability insurance business, Equitable relies on a third-party administrator to manage its claims approval process, which…
What can you expect when you file a Principal Financial Group disability lawsuit, what does the litigation process look like, and what do you stand to win? If you have exhausted all of your long-term disability benefit appeals, a lawsuit may be the next course of action. Our…
If you work as a CEO, CFO, or Director in a company, no matter how large or small, and are considering a short term or long term insurance disability claim, it is important to learn what steps you can take, and learn how insurance companies view your occupation under your…
Unlike some disability insurance carriers that specialize in long term disability policies, Trustmark Benefits also offers other insurance products like cancer insurance, critical care insurance, and short term disability insurance. This diversity can make navigating a Trustmark Benefits disability claim a little more challenging. Learn some more about what a…
What does it take for your Unum long term disability benefits to continue for as long as you need them? In a recent video with disability attorneys Gregory Dell and Cesar Gavidia we provide many tips to help you avoid a Unum disability benefit denial. In our video we discuss…