Long Term Disability Law BlogThere’s no such thing as a guaranteed disability benefit – an initial approval doesn’t mean you’ll receive disability benefits through the end of the policy term. Guardian Disability long term disability benefits are no exception. If you’ve recently received an approval letter from Guardian Disability, don’t let yourself become complacent. Learn more about how your […]
What Claimants Should Know About Applying for Standard Long Term Disability Benefits
Filing a claim for long term disability benefits under your Standard disability insurance policy can be a stressful experience, and claimants often have unanswered questions. How long will it take to get a decision? When will you start receiving benefits? What happens if your claim is denied? At Dell & Schaefer, our experienced disability insurance […]
What to Know About Applying for Lloyds of London Disability Benefits
At Dell & Schaefer, we’ve gained years of experience in handling Lloyds of London long term disability claims and can help you navigate the ins and outs of this unusual policy.
What New York Life/Cigna Disability Claimants Should Know About Claim Denial
At Dell & Schaefer, our experienced nationwide network of attorneys has extensive experience in handling New York Life/Cigna disability insurance claims, and we’ve noticed that these claims tend to follow one of two paths. If an applicant has a detailed, comprehensive medical history that clearly documents that their disabling condition arose after they began coverage under a […]
How to Prevent a Lincoln Financial Disability Benefit Denial
Tips To Help You Avoid a Denial of Your Disability Benefit by Lincoln Financial Lincoln Financial is notorious for finding ways to deny disability insurance benefit claims. Even if Lincoln Financial initially approves your claim, the company continues to monitor your medical condition and seizes on any opportunity to deny your claim and decide you […]
How Long Does Unum Long Term Disability Insurance Benefits Last?
Once you’re approved for your UNUM long term disability claim, you may feel as though you’ve crossed an important finish line. But in many cases, a UNUM disability claim approval is only the beginning of a much longer process. Learn more about the ins and outs of receiving disability benefits under a UNUM long term disability policy, as well as what UNUM […]
How Long Do You Have To Be Out Of Work To Apply For Disability Insurance Benefits?
When it comes to applying for long term disability benefits, timing questions—in particular, when to apply for benefits—tend to be the types that keep claimants up at night. At Dell & Schaefer, we’ll be the first to tell you that the answer to this question is often, “it depends.” Though most claimants can benefit from […]
What Claimants Should Know About Filing for AIG American General Disability Benefits
If you’re covered by an American General or AIG policy through your employer, you may wonder what to expect when it comes to seeking long term disability benefits through this policy. Navigating the world of disability benefits can be a challenge, especially when you’re dealing with a behemoth insurance carrier like AIG. Learn more about […]
What to Know About Assurity Disability Benefits and How to Get Paid
Assurity doesn’t operate quite like other long term disability carriers, and it offers some unique products—most notably, individual long term disability policies that provide up to two years of disability benefits at an affordable price. Unlike employer-provided group disability policies, Assurity’s individual policies allow claimants to take advantage of a state-law interpretation of their insurance […]
What to Expect When Suing Northwestern Mutual for Disability Insurance Benefits
When it comes time for a disability insurance claimant to sue to preserve their right to continued disability benefits, Northwestern’s sheer size and access to legal resources can create quite a battle.