We are often asked, “Do I have to quit my job before I apply for disability insurance benefits?” The answer is a resounding, “No!” In fact, you should not quit your job if you are planning on filing for benefits under your employer-provided policy. The insurance company will say since…
The application for a disability insurance benefit is the foundation for the entire claim. When a person calls us at Dell & Schaefer and says they already applied, we cannot undo that. But, if a person calls us weeks or months before they apply, we can help set the stage…
A frequent question we get asked at our disability insurance law firm is, “How does Hartford long term disability (LTD) work?” Getting approved for LTD is not as easy as just filling out a claim form and sending it in to the company. You must supply adequate medical evidence to…
People often think that filing for their MetLife disability insurance benefit is as simple as filling out the claim form the company sends you. That is exactly what they want you to think. But if you want your claim to be approved the first time you submit it, you need…
It’s easy to be impressed with the package of group employee benefits that come with a new job – and rightfully so. From medical insurance to 401K matching, personal time off, child care considerations and more, it’s nice to know that you’re covered and valued as part of your new…
Overview of Lincoln, Merger with Liberty Mutual Having handled hundreds of claims from Lincoln Financial Disability, the law firm of Dell & Schaefer knows what to expect. Overall, Lincoln recently purchased and underwent a merger with Liberty Mutual. This has moved Lincoln from a large to a massive insurance company.…
If you’re facing a denied disability claim from a Prudential policy, you’re certainly not alone. As one of the largest providers of group disability insurance policies, Prudential generates a high percentage of the country’s disability claims – as well as the resulting appeals and ERISA lawsuits. This video by disability…
As the world’s largest disability insurance company, Unum doles out its fair share of disability claim denials each and every year. That’s why a disability insurance law firm such as Dell & Schaefer has handled more than 1,000 Unum denied claim appeals. Though some policyholders attempt to fight a denied…
Most holders of long-term disability (LTD) polices through Lincoln Financial assume they will be able to claim the earned benefits when they actually become disabled. That’s why it comes as a shock to many when they receive an unexpected denied disability claim. What happens next depends almost entirely on how…
Denials of AETNA disability benefits are certainly not unusual, as many thousands of policyholders can confirm. However, if the denied disability claim eventually makes its way past an ERISA denial, an ERISA appeal, and into a court of law, the game can sometimes change in favor of the claimant. Disability…