Attorneys Gregory Dell and Rachel Alters discuss the occupation of a realtor and provide tips to win your disability benefits. Insurance companies will often overlook all the job duties you perform as a realtor which can change on a daily basis. You may work in an office one day, make…
Many long term disability benefit claims are denied because the claimant is not seeking enough medical treatment. Most claimants on long term disability do not feel the need to see their doctor for the same long standing complaints. The doctors have nothing further to offer other than suggestions or prescriptions…
Attorneys Gregory Dell and Alex Palamara discuss disability claims for Psychiatrists and Psychologists. Insurance companies will minimize the physical and mental demands of your occupation. Psychiatrists and Psychologists have to be laser-focused every day to treat patients effectively. It is a tremendous responsibility and incredibly stressful. Sitting in a chair…
Attorneys Gregory Dell and Rachel Alters discuss the occupation of a Manager and provide tips to win your disability benefits. A manager is a broadly defined occupation depending on your industry, how many people you manage, and what physical and mental demands are required on a daily basis. Insurance companies…
Attorneys Gregory Dell and Alex Palamara discuss disability claims for Otolaryngologists or Ear, Nose and Throat (ENT) physicians. Insurance companies will minimize the physical and mental demands of an ENT. Requests are made for CPT/surgical codes to understand your occupation but insurance companies will ignore most other duties of an…
Disability insurance attorneys Stephen Jessup and Gregory Dell discuss the importance of understanding the “definition of disability” in your long term disability policy. It’s very common for long term disability claims to be denied due to the definition of disability changing from own occupation to any occupation. We discuss steps…
Being approved for long term disability insurance benefits can be a huge relief for anyone worried about how they’ll pay their bills when they’re not able to perform full-time work. But even for disability policies that claim to offer a “lifetime” of benefits, this approval may not be permanent. For…
Successfully litigating cases against Northwestern Mutual can be extremely difficult due to Northwestern Mutual’s reputation for conducting thorough reviews of disability insurance claims prior to the denial of a claim. Our attorneys have extensive experience in representing insured at all levels of the claims process with Northwestern Mutual to include…
When you submit proof of your long term disability it’s only as good as how it looks on paper. Medical records are the most important, but keeping a daily log of your pain and symptoms is further proof of your disability. You should share your pain journal notes with your…
UNUM is one of the biggest long term disability insurance carriers in the world, which means here at Dell Disability Lawyers, we see UNUM disability insurance claim denial letters every week. Like all insurance carriers, UNUM has some quirks and unique processes it employs when reviewing a long term disability…