You came to this website looking for a trusted guide to help tell your story to a skeptical insurance company.
You are facing a challenge. An injury or sickness has disrupted your life. You are no longer able to work.
Now, You are dealing with an insurance company. All you are asking for are the benefits they promised, so you can focus your energy on managing your disability and possibly returning to work.
But the insurance company is skeptical. It is demanding more and more information. It is suspicious of your claim.
Then it began to minimize your limitations and even went so far as to say that your doctors don’t know what they are doing.
This is making your life more stressful. Energy that should be devoted to healing is instead siphoned off to fight the insurance company’s mistreatment.
Big insurance companies should not be allowed to do this to anyone, let alone someone who can't work.
Here's how BenGlassLaw can help you right now:
Your employer's group long-term disability policy may be the greatest rip-off in the history of the American employee! Unsuspecting employers have been conned into buying policies that some courts have said will only pay benefits if you are in a coma.
We represent claimants in disputes involving:
- Denial of benefits under private (non-ERISA) insurance polices.
- Denial of benefits under long-term disability policies, both ERISA and non-ERISA.
When Should You Get Legal Advice Regarding Your Long Term Disability Claim?
You should absolutely consult with an attorney experienced in ERISA long-term disability claims before you file a claim. Too often we are contacted by people who have filed claims and exhausted their administrative appeal rights. If you must later file suit, a court is only going to review what is in the insurance company's file. EVERY case we have in which the client has applied for benefits and done the appeal himself/herself, the record that the court reviews lack important information and documents that could have been provided with the original claim. Remember, the insurance company KNOWS that your review in court is limited.
Do you think that the insurance company is going to fill the record with information favorable to you? We have never seen that happen!
Your attorney should be experienced in litigating disability income insurance claims and, if your insurance is through your employer, that attorney should understand how ERISA impacts the case. Ask the right questions. Attorneys cannot simply “dabble” in ERISA!
If you have been denied long-term disability benefits, we will review that denial letter at no charge and suggest an appropriate course of action. After that first step, you may want to hire us to create the appeal for you depending on your particular circumstances.
We want you to know your rights and understand the insurance company tactics.
Warning: There are law firms soliciting long-term disability insurance cases who will refuse to file a lawsuit for you if they are not successful on the internal appeal to the insurance company. These firms then DUMP clients, telling them "sorry, written appeals are all we do." Do not hire a firm to do your disability appeal who will not file a lawsuit if needed. This video explains why.