Despite a serious work injury, Lincoln literally told this FPL lineman employee to go a climb a pole. In order to deny long-term disability insurance benefits, Lincoln hired a doctor to review medical records and conclude that our client could return to his heavy duty job of repairing electrical lines. Long term disability lawyers Rachel Alters and Gregory Dell discuss the steps we took to get this wrongful Lincoln long term disability denial reversed. Why did Lincoln deny long term disability benefits after paying for one year? What was our strategy to win this Lincoln long term disability ..read more

Accountants often have a difficult time having their claim for disability benefits approved. Insurance companies consider the job of an accountant as sedentary, believing all it entails for an accountant to do the job is to sit at a desk for four hours a day. The disability insurance attorneys at Dell Disability Lawyers offer some tips accountants can use when submitting their disability insurance claims. We invite you to watch this video to learn more. There is a strategy in presenting the occupational duties of an accountant. An accountant submitting a claim for disability must provide the ..read more

Most people don’t realize the demands of being a commercial truck driver. It’s crazy when a disability insurance company tells a truck driver that it’s safe for him or her to get back on the road and risk the lives of others. Unum denied benefits from the inception of the claim, which is when our client contacted Dell Disability Lawyers. Long term disability lawyers Alex Palamara and Gregory Dell discuss the strategies they took to get Unum’s disability benefit denial reversed. Following submission our appeal, Unum reversed their disability denial in 9 days! What was Unum’s reason for denyin ..read more

Getting approved for long term disability benefits can be challenging, but the challenge is even greater when you have three different disability policies. Every disability policy has it’s own language and every disability company requires different claim forms. In this video, disability insurance attorneys Stephen Jessup and Gregory Dell discuss a case we handled for an anesthesiologist with multiple disability insurance policies. We discuss the strategy of selecting a date of disability and presenting a claim that transitions from residual to total disability. This case was a great outcome ..read more

Disability insurance companies like to see objective medical evidence to approve a long term disability claim. But so many disabling conditions are “invisible” – chronic pain, mental health ailments, and other conditions that don’t show up on an MRI or other diagnostic tests. Therefore, it’s crucial that your disability insurance attorney understands your condition and can work with you and your doctors to document it. Below, the attorneys at Dell Disability Lawyers will explain exactly what type of documentation you need to maintain disability insurance benefits. The disability companies ar ..read more

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