You worked hard for your career. You planned ahead. But when a health issue takes you out of the workforce, your long-term disability insurance should give you room to breathe—not make things harder.
If you’re searching for a long–term disability lawyer serving Delaware, BenGlassLaw can help. Our team focuses on building strong, truthful claims that tell your story in a way insurance companies can’t ignore.
We’ve helped thousands of clients fight wrongful denials and keep their benefits going long after the claim gets approved. We do more than file appeals—we handle the pressure so you can focus on your health.
What to Know About Long-Term Disability Claims in Delaware
Our team knows that long-term disability claims don’t follow the same rules as other legal cases. The process is strict, and most of the time, there’s no second chance if you miss something during your appeal. Every word in your file matters, especially if your benefits come through work.
Most employer-provided policies fall under the Employee Retirement Income Security Act (ERISA), a federal law that sets the rules for how claims are reviewed. ERISA cases usually go to federal court. You can’t ask for pain and suffering or request a jury trial. The judge reviews your claim file exactly as it was submitted.
That’s why our team treats the appeal as the most important part of your case. We carefully build the full story—what your records don’t say, how your condition affects you day to day, and why your job is no longer sustainable. We don’t leave the details to chance.
For a free legal consultation call (703) 591-9829
Our Team of Long-Term Disability Attorneys Serving Delaware
Our experienced team includes a range of lawyers serving Delaware and across the country in federal ERISA-based appeals. If your case requires litigation, we work with local lawyers or obtain special permissions to take it to court.
Our firm helps clients with many types of long-term disability claims. Here are a few areas where we can step in:
- ERISA Disability Claims Lawyer serving Delaware: We handle appeals and lawsuits involving employer-sponsored LTD benefits governed by ERISA.
- Long–Term Disability Appeals Lawyer serving Delaware: If your claim was denied, we build a strong appeal that includes personal interviews, medical evidence, and narrative support.
- Mental Health Disability Claims Lawyer serving Delaware: Depression, anxiety, and PTSD can make full-time work impossible. We help clients prove how these conditions affect daily function.
- Chronic Illness Disability Claims Lawyer serving Delaware: We support those living with long-term conditions like multiple sclerosis, lupus, Crohn’s, or cancer that disrupt their ability to maintain regular employment.
We don’t treat your claim like a form letter. We take the time to understand your condition, your work, and what the insurance company got wrong. Our long-term disability lawyers serving Delaware build a clear, detailed case that tells your full story. If the insurer won’t fix their mistake, we’re ready to take it to court.
Delaware Long-Term Disability Lawyer Near Me (703) 591-9829
Why Disability Claims Get Denied
Even honest claims get denied for reasons that feel made up. Insurance companies rely on technicalities, old medical records, or bad vocational reviews to say you can still work. We’ve seen:
- Claims denied based on short IME exams from doctors who never treated you
- Surveillance footage used out of context to suggest you’re “not disabled”
- Vocational reports that ignore real job duties or health limitations
- Denials that claim mental health conditions “aren’t covered”
This isn’t about fairness. It’s about protecting their bottom line. Our job is to make the record undeniable—so the insurer can’t twist the facts or cherry-pick their way out of paying you.
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How Long-Term Disability Settlements Are Calculated
Long-term disability payments don’t always cover your full salary. Most plans pay 60% of your pre–disability income, sometimes less. But that’s just the start.
If your claim gets wrongfully denied, the settlement may include:
- Back pay from the date benefits stopped
- Interest for the delayed payments
- Attorney’s fees if we win in court
In some private policy cases, there may also be a chance to negotiate a lump-sum payout. We review the full picture—policy language, medical records, and your long-term health outlook—to evaluate what makes sense for your future.
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Long-Term Disability Claims vs. Criminal or Employment Investigations
We focus on getting benefits paid, not proving someone broke the law. Our cases live in a different lane from criminal charges or employment disputes.
That said, we do track insurer behavior. If something about the denial looks suspicious or retaliatory, we preserve the record. The focus stays on building a complete, honest file so that your appeal holds up under scrutiny.
What If You’re Partly Able to Work?
Some policies offer partial or residual disability benefits if your condition limits your hours or productivity. These can get tricky.
Insurers often deny partial claims by claiming your income is “too high” or that you’re no longer under a doctor’s care. We help clarify how your condition affects your capacity to earn—and why you’re still eligible for support.
We work with vocational experts to explain:
- What “reasonable accommodations” actually look like
- Why some jobs aren’t realistic given your symptoms
- How fatigue, pain, or cognitive issues limit consistent performance
You don’t have to be fully bedridden to qualify. You just need a legal team that knows how to tell the full story.
Statute of Limitations for Long-Term Disability Appeals in Delaware
ERISA doesn‘t use state deadlines—it follows your plan‘s internal deadlines instead. Some policies give you 180 days to appeal after a denial. Others are shorter. Missing that window can kill your claim.
We review your denial letter and full policy to calculate your exact deadline. Then we get to work. Time matters here.
If your claim falls outside ERISA (like a private disability policy you bought on your own), Delaware’s contract laws may apply. In that case, you might have up to three years from the denial to file suit—but don’t wait to find out. Let us review it now.
Why People Choose BenGlassLaw
At BenGlassLaw, we file more ERISA long-term disability lawsuits than any other firm in the Mid-Atlantic. We’ve recovered over $100 million in claims and benefits and currently manage more than $45 million in future payouts for clients across the country. Our attorneys bring over 100 years of combined experience to every case we take.
But numbers only tell part of the story. Our clients get clear communication, honest guidance, and support that continues long after the appeal ends. We don’t hand you off to voicemail or disappear once you’re back on claim. We’re here for the long haul because that’s what it takes to keep insurers in check.
If you’re searching for a long-term disability lawyer serving Delaware, we’re ready to help. Send us your denial letter, and we’ll talk through your next steps—clearly, directly, and with the full weight of our experience behind you.
Call or text (703) 591-9829 or complete a Free Case Evaluation form