Tell Us Your Story

You came to this website looking for a trusted guide to help tell your story to a skeptical insurance company

You're in the Right Place 

Even though we are based in Virginia, we represent disability claimants from around the country. We do most of our work over the phone and through video conferences.

Here's How BenGlassLaw Can Help You Today With Your Long Term Disability Claim:

  1. If you are thinking about going out on disability, we should talk about that before you stop working. During our paid consultation we will review your disability policy, talk about your medical issues and chat about your job. You will walk away from that call or meeting with a definite plan of action. You can call us during regular working hours or schedule a call to set your own time.
  2. If you are on claim and have questions, but we don't currently represent you,  you have three choices:
    • Go to UltimateDisabilityResource.com - it's free and we've answered just about every question imaginable. You just may find everything you need there.
    • Have a short, free call, with one of our non-attorney disability specialists. They are often able to get your questions answered about processes and procedures. They do not give legal advice.
    • Schedule a paid consult meeting, call, or video meeting with Ben Glass (Our main office is in Fairfax, but a video meeting will not be a problem at all - We serve clients nationwide). Take a Virtual Tour of Our Office.
  3. If your claim has been denied, just fax/email/mail us the denial letter as soon as you get it. We will review it and give you a detailed strategy for moving forward. This service is free, but you must act promptly. The insurance company only gives you a limited time to appeal or their decision is permanent.

Nationwide Long-Term Disability Denial Letter Appeal Process

If you are unsure about the claim process, or your claim has a high monetary value (which insurance companies routinely deny because remember – there’s no downside for them), you should consult with an attorney. We can look at your policy (each one is different), review your evidence, and let you know where you might need to add more detail or support to have your claim approved.

If your claim is denied at any point, you have the right to appeal the denial. Virtually every insurance policy has an appeal process. The insurance company will make it sound easy, and they may even give you a brief, helpful form to fill out. Don’t fall for that! Often you will just get one shot at this, so it’s important to get an attorney’s perspective. That’s why we will review your denial letter for free and give you a report of our findings and a plan for the appeal.

Depending on the insurance company and the policy language, you may have more than one appeal (this is true for all long-term disability, short-term disability, or life insurance policies). While a second appeal is usually optional, it can be an important opportunity to add evidence to your claim file.

Too often we are contacted by people who have filed multiple appeals and have exhausted their administrative appeal rights. It’s only then that they contact a lawyer, but unfortunately, by then it’s too late to add any new evidence. By the time we reach the lawsuit stage, a judge is only going to review what is in the insurance company's file already. No new evidence is allowed. 

The insurance company knows this, and they are counting on the fact that you do not. So they get to add all the “independent” medical reviews, vocational analysis, etc. that they want. Do you think that the insurance company is going to fill the record with information favorable to you? We have never seen that happen!

Bottom line: know your rights and understand the insurance company tactics.

Ben Glass
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Ben Glass is a nationally recognized car accident and ERISA disability attorney in Fairfax, VA.