Long Term Disability Law BlogAttorneys Helping Disabled Claimants Nationwide

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, 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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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