Articles Posted in Blog

In this video, attorneys Gregory Dell and Stephen Jessup talk about the difficulties doctors often face when applying for disability benefits. Many doctors are hesitant to admit they have a disabling condition. They fear it may affect their ability to sell their medical practice. They are also concerned about what may happen if patients discover their doctor has medical problems.
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In this video, Attorneys Gregory Dell and Victor Peña discuss trends with Disability Insurance companies. Insurers across the country seem to be getting stricter with their evaluation of claims. They are conducting more field interviews, more independent medical exams (IMEs), and using video surveillance. The goal seems to be to deny as many claims as possible. The more people a company has on claim, the less profit there is to the insurance company.

Unum, the oldest insurance company in America, is using long and extensive denial letters in an attempt to make it seem difficult to challenge. Other companies, particularly Cigna, seem to have a policy of denying initial claims. They take advantage of every level to deny a claim in order to discourage and delay the award of disability benefits. At Dell & Schaefer, we work diligently to present enough medical information so that we may be able to avoid the deny and delay tactic.
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In this video Attorneys Gregory Dell and Stephen Jessup discuss Cognitive Dysfunction Disorders in Long Term Disability Claims. The symptoms of cognitive impairment range from memory loss and slowed thinking skills to confusion and poor concentration. There are many factors that would cause or contribute to a disability insurance claimant to have issues with their cognitive functioning. Watch this video to learn about neuropsychological testing for cognitive deficits and what role testing plays in a disability insurance claim.

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