Disability attorneys Gregory Dell & Alex Palamara discuss how NY Life reviews medical evidence and then makes a determination about appropriate medical support. We discuss the difference between subjective and objective medical evidence. We also discuss why its so important to get as much objective evidence as possible to support your claim for NY Life long term disability benefits. What is the difference between objective and subjective evidence of disability? Who does NY Life rely upon to review the evidence and deny disability benefits ..read more

It can be difficult for OB-GYN doctors to have their claim for long term disability (LTD) benefits approved even when the policy has been in effect for years. The burden to prove disability is on the doctor. At Dell Disability Lawyers, we have years of experience assisting doctors with their disability claims. Watch this video for some tips about how to get your claim approved. The disability insurance company will highly scrutinize the CPT procedure reports. The purpose is to try and show your workload has not decreased and the doctor has continued to work and not lost revenue. A total vers ..read more

Filing a claim for long-term disability (LTD) benefits is not an easy task for anesthesiologists. Insurance claims representatives hope they can find a reason to deny the claim so they can save their employer money. Anesthesiologists sometimes make the representative’s job easy by not presenting their claim in a winning way. At Dell Disability Lawyers, we have some tips for anesthesiologists to use to help them get claim approval. Watch this video to learn more. Here is LTD claims information for anesthesiologists and tips they can use for claim approval. Disability insurance representatives ..read more

Disability insurance can help protect your income if you’re no longer able to work – but not all disability insurance policies are created equal. Depending on the type and term of policy you have, the process of qualifying for benefits can range from simple to incredibly complex. Learn more about the different types of disability insurance and the range of coverages available. You can buy disability insurance up to 66% of your monthly income, but there is usually a cap at $35,000 monthly. The definition of “disability” varies in every disability policy and the best definition is a true own o ..read more

Disability attorneys Gregory Dell & Cesar Gavidia discuss how they helped a former ORACLE employee to win his Hartford long term disability benefits. We provide some disability claim tips in order to help you avoid a denial. Hartford will look for any reason whatsoever to deny long term disability benefits. Hartford denied benefits before our client’s definition of disability changed, but we put forth a strategy to get past the change of definition of disability at 24 months. We discuss why the FCE was so important in this case. Learn if there is a common theme for Hartford’s disability d ..read more

In this Hartford long term disability denial disability attorneys Gregory Dell and Stephen Jessup discuss a horrible denial by Hartford where they relied on their own nurse and manipulated a treating doctor’s opinion to deny benefits. We discuss how we were able to quickly get this Hartford disability denial reversed for our client, a truck driver with hip, back and cardiac disorders. It’s very common for Hartford to deny disability benefits after paying for 24 months. Can Hartford to rely on a nurse over a medical doctor to deny LTD benefits? We discuss our disability appeal strategy to win ..read more

This was a horrible Reliance Standard long term disability benefit denial. Long term disability lawyers Rachel Alters and Gregory Dell discuss a successful LTD appeal on behalf of a factory worker that had suffered multiple serious injuries to his knees and shoulders in an ATV accident. After 16 years of Reliance Standard disability payments, Reliance relied on a paper review by a hired gun consultant to deny disability benefits. Reliance Standard ignored an IME exam which found that he would never get better. Long term disability attorney Rachel Alters discusses the steps she took to submit ..read more

This case was a terrible Metlife long term disability denial. Long term disability attorneys Gregory Dell and Alex Palamara discuss the reasons MetLife denied disability insurance benefits and the strategies we took to get our client’s disability benefits approved. We also provide some tips for claimants with Heart disease that are seeking long term disability. Why did Metlife deny disability benefits? What was our plan of attack to get the Metlife disability denial reversed? What does it mean to be unable to perform a “sedentary” job? What was contained in the ERISA appeal we submitted to M ..read more

Hartford pays for 6 years and then out of the blue decides to send the claimant to an independent medical exam. The problem is that the exam is not usually independent. In this case, Hartford relied on their own hired doctor to deny long term disability benefits. Long term disability attorneys discuss the strategies we took to get Hartford’s long term disability denial reversed. What is an IME exam and is it really independent? Is it unusual to see Hartford deny disability benefits after paying for 6 years? What was our strategy to get our client’s Hartford disability denial reversed? It’s co ..read more

Plastic surgery is a specialty occupation that is commonly misunderstood by disability insurance companies. Long term disability insurance attorneys Stephen Jessup and Gregory Dell discuss how we help Plastic Surgeons to collect long term disability benefits. We have represented well over 100 plastic surgeons and thousands of surgeons seeking long term disability benefits. We discuss some of the challenges that we have seen result in denial of long term disability benefits for plastic surgeons. With proper medical support getting approved for disability insurance benefits is a strong possibil ..read more