For someone seeking long term disability benefits from Canadian-based disability insurance carrier Sun Life, trying to tackle this process on your own can be a major challenge. Insurance companies like Sun Life often seem to speak their own unique language and have a vested interest in denying a claimant’s request for benefits. At Dell & […]
At Dell & Schaefer, our long term disability insurance attorneys have handled disability claims at every stage of the process and are very familiar with the policies Mutual of Omaha relies on in approving (or denying) a claim for disability insurance benefits. If you’ve recently received a denial letter from Mutual of Omaha and are […]
COVID-19 shows no signs of going away soon, and for long term disability insurance claimants (as well as those who are considering filing for disability benefits), the added variable of this global pandemic can throw a wrench in a disability application. COVID-19 can affect everything from your ability to access and document medical care to […]
Most disability policies written by Mass Mutual are individual ones purchased by professionals like doctors, dentists, lawyers, and other business owners. The company has a reputation for being fair, but also for requiring strict compliance with the regulations. Mass Mutual will thoroughly review all medical records and physicians’ reports of restrictions and limitations and how […]
Northwestern Mutual sells many different types of disability insurance policies. The first step you must take is to must review your specific policy to determine the definition of disability used by the insurance company.
Struggling with a disability that keeps you from working can be frustrating and financially stressful. If you have an individual or group long term disability policy with Principal Financial and have recently submitted a claim for disability insurance benefits, you might be wondering what to expect from the process. At Dell & Schaefer, we’ve handled […]
There’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 […]
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 […]
At Dell & Schaefer, we’ve handled thousands of disability claims against Cigna and NY Life over the years, learning some of the fine details of their disability claims approval process. For the uninitiated, showing Cigna that you’re too disabled to work can be far more difficult than it may seem. Cigna’s claim representatives often even […]
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.