Employer-provided long-term disability insurance falls under ERISA, a niche area of law that few attorneys practice. Know that there are only a handful of experienced attorneys in this area of the law.
BenGlassLaw handles over 80% of all new long term disability filings in federal courts in Virginia.
There isn’t ever a "standard appeal" – we have seen it all, from short letters to the insurance company that say “please review your decision,” to lengthy appeal packages with expensive depositions and tests that actually have little to do with the reason the claim was denied (but for which the client paid a steep cost). We have seen lawyers charge upwards of five figures for an ERISA appeal, whether the appeal is successful or not.
At BenGlassLaw, we charge nothing up front for most appeals. This means we will only take on your appeal if we strongly feel that we can help you with your claim. We have an established process for evaluating denial letters and strategizing for the appeal based on what we find when we review your claim file from the insurance company. We only recommend additional tests and other evidence that we think will address the reason(s) why your claim was denied in the first place. We don’t get paid unless and until we are able to recover benefits for you.
What Should You Expect from an ERISA Long-Term Disability Attorney?
ERISA long-term disability claims are tricky, and it is always best to consult with an attorney who has experience in ERISA claims (at BenGlassLaw, we’ll review your denial letter for free).
BenGlassLaw has spent years perfecting our ERISA practice. Our disability appeals team is one of the best in the country, and we’ve built systems that streamline the appeal process for our clients. Our process includes:
- Free Denial Letter Review (if your disability claim has been denied or terminated);
- One-on-One Consultation with Ben Glass (if you need guidance on filing a claim or have other questions outside the appeal process);
- Detailed Claim File Review to help guide the appeal. We don’t skim – we dig into every page so we understand how and why your claim was denied, and what we need to do together for a successful appeal;
- Personal Statement interview to help you fully tell your story;
- Independent Vocational Analysis for claims where the insurance company says the “found” jobs you can do;
- Guidance for your doctors on how to support your claim;
- A detailed appeal letter to the insurance company explaining why their decision was wrong, according to both your medical records and ERISA law;
Unfortunately, some attorneys claiming to "do" these types of cases don't really know what they are doing.
We were recently contacted by someone who had been working with another attorney on their ERISA appeal. During our first consultation, we discovered that the ERISA attorney they worked with before contacting BenGlassLaw charged HEFTY fees just for assembling this person’s appeal.
What made the situation even worse is that the attorney abandoned the client after the appeal failed. That attorney referred their client to BenGlassLaw when the claim went to litigation. If the attorney did not win the appeal, he wasn't taking the claims to court.
If you hire an attorney who will not file suit in Federal Court if your appeal is denied, you are still leaving all the power in the hands of the insurance company. They wrongly denied your claim once, so what will stop them from making the same mistakes with your appeal? You need an attorney who will take your case all the way to a judge if necessary. It’s the only way to make sure the insurance company does not have the last word on your claim.
If you are reading this because you are holding a denial letter, contact BenGlassLaw or submit your letter here. There is no obligation, and we will review your denial letter for free and tell you what we think you need for your appeal. And don’t delay – there are deadlines for filing an appeal that you cannot miss.