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Why BenGlassLaw? 

  • We file more disability appeals and lawsuits claims that any other firm in our region. (Source: Pacer, the official government site for Federal Court lawsuits)
  • When we get you back on claim, we stay with you for the life of your claim and proactively manage your ongoing benefits - it's never you v. the insurance company again. At the end of 2021, we had $33 million in future disability benefits under management for our clients.
  • In 2021 and 2022, we recovered over $3 million in wrongfully denied disability benefits (we get money for the client in over 90% of the cases that we accept for representation).
  • When we represent you in a claim that has been denied, we only get paid if we win. 
  • We help people all over the country, using local counsel when required, at no additional charge to the client. We believe that disability claimants should have access to the right attorney for them, no matter where they live.
  • Our reviews speak for themselves.
  • Ben Glass has taught attorneys all over the country about ERISA processes and education. He is a subject matter expert in the industry.
  • We give free resources because our passion is empowering the sick and injured to make great decisions about their insurance claims. Download Ben's book - a comprehensive disability claim guide here. 
  • Has your disability claim been denied? We offer free denial letter reviews - send us your letter and our highly experienced team will give you a complimentary and confidential strategy to move forward.

The claimant was a Network planner/installer who was injured in a surfing accident in August 2014  when he fractured one of his cervical vertebrae. He then developed chronic, debilitating pain. He applied for disability benefits through his employer’s ERISA governed long-term disability policy and was denied. He then appealed his denial (internal appeal) on his own and was again denied. The plan afforded a second “voluntary” appeal and he retained counsel for that appeal.

An ERISA administrative appeal followed which argued, in large part, that CIGNA had not afforded the claimant the full and fair review guaranteed under ERISA because the file was not reviewed by an appropriate healthcare professional. The appeal argued that the insurance company’s  internal medicine reviewer was not an appropriate medical professional under ERISA  in light of the extensive orthopedic, pain management and neurologic treatment the claimant had received. The appeal also argued that a reasonable fiduciary could not simply ignore the well-documented complaints of pain and the opinions of the treating physicians regarding the debilitating nature of the claimant’s pain. Finally, the appeal argued that the insurance company had made no proper assessment of the claimant’s occupational duties and had instead merely labeled the occupation “sedentary.”

The appeal included an extensive analysis of ERISA caselaw, updated witness statements and additional medical documentation and literature.

CIGNA reinstated benefits. 

The Expected Lifetime Value of the Monthly Benefits is $947,394.

Ben Glass
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Ben Glass is a nationally recognized ERISA disability & life insurance attorney in Fairfax, VA.