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Long Term Disability Topics

No one files an insurance claim because they are having a great day. You filed (or are planning to file) because something has gone wrong, and having your claim denied just kicks you while you’re down. Our long term disability team can help.

Benefit claims are denied all the time, most often for one of these two reasons:

  • You do not meet the conditions defined in the policy. Insurance companies will argue that this is the ONLY reason claims are denied, but our vast experience tells us that’s not true. Very often…
  • Your claim has been denied for a false or made-up reason, which is explained in official-sounding insurance language designed to make you give up and go away. This is a frivolous claim denial.

While there’s not much we can do in the first instance (except explain your policy in terms you can understand), in the second instance, we can fight to overturn a frivolous, unprincipled, erroneous denial. Insurance companies don’t make it easy, though.

What Type of Insurance Appeals Does BenGlassLaw Handle?

We do not handle health insurance claims, but if you are looking at any other kind of Virginia insurance claim or claim denial, call us. If we can’t help you ourselves, we’ll help you find someone who can. There are four main types of insurance benefits appeals that BenGlassLaw specializes in:

  • Life Insurance
  • ERISA Long-Term Disability
  • ERISA Short-Term Disability
  • Individual Disability Insurance

Here's How BenGlassLaw Can Help You Right Now

  1. If you are thinking about going out on disability, we should talk about that before you stop working. This is especially true if you are not a traditional W-2 employee. We should talk before you file if you:
    1. own a business
    2. make money on commission 
    3. are a health care provider or
    4. a C-Suite professional

Note: If you make over $120,000 a year, you are going to want to read this about high-wage earners and disability claims.

During this paid consultation we will review your disability policy, talk about your medical issues and chat about your job or occupation. You will walk away from that call or meeting with a definite plan of action. If you pay us a consulting fee and later hire us to handle an appeal, your consulting fee is credited against any future fees that we earn.

  1. If you are on claim and have questions, but we don't currently represent you,  you have three choices:
    1. Go to - it's free and we've answered just about every question imaginable. You just may find everything you need there.
    2. 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.
    3. Schedule a paid consult meeting, call, or video meeting with Ben Glass (Our office is located in Fairfax, Virginia if you would like to schedule an in-person meeting).
  2. 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.
  3. If we currently represent you (because we handled your appeal) then all of the above is included in the contingent fee you pay. 
Ben Glass
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Ben Glass is a nationally recognized car accident and ERISA disability attorney in Fairfax, VA.