Get an Experienced Disability Lawyer’s Advice Before You File — And If It Doesn’t Help Move Your Life Forward, You Don’t Pay.
Thinking about filing a long-term disability claim? Before you stop working, leave your job, or submit anything to the insurance company, you can have an experienced long-term disability lawyer review your situation and help you decide what to do next.
A BenGlassLaw Long-Term Disability Pre-Claim Consultation is a personalized legal strategy session designed to help you understand your options, identify potential problems, and make informed decisions before you file.
You’ll provide us with information about your medical condition, occupation, insurance coverage, and situation. An experienced lawyer from our team will review your documents, meet with you by video, and help you develop a plan for moving forward.
And we’re willing to put our money behind the value of that advice.
Our consultation is 100% guaranteed.
You spend the hour with one of our attorneys and receive a detailed written summary afterward. Then ask yourself one question: Did this help move my life forward? If the answer is no, tell us and don’t pay the invoice. No form to fill out. No explanation required. No argument from us. You keep the summary and everything else we gave you.
That’s our guarantee.
Schedule a Pre-Claim Consultation By Contacting Our Team
Your initial conversation with our team is free. The pre-claim consultation with an attorney is a paid service.
Why Get Advice Before Filing a Disability Claim?
Most people don’t spend their careers thinking about disability insurance. Then your health changes, and suddenly you’re trying to figure out whether you should keep working, take leave, or file a disability claim. You’re also trying to understand what your policy requires, what your doctor needs to document, what you should tell your employer, and what the insurance company will expect from you.
Those decisions can affect your claim and your income for years. That’s why we created the BenGlassLaw Guaranteed Long-Term Disability Consultation.
You don’t have to hire us to handle your entire claim. Our job during the consultation is to help you understand your situation, identify potential problems, answer your questions, and develop a strategy for what to do next.
We’ve been handling disability claims since 1999. We know what an hour with the right lawyer can be worth to someone facing a potentially life-changing disability claim.
This Is More Than an Hour With a Lawyer
When you schedule a consultation, we prepare for it. You aren’t paying an attorney to spend the first part of your meeting trying to figure out who you are, what happened, and what your documents say.
1. Preparation With a Long-Term Disability Paralegal
Before your attorney meeting, a member of our long-term disability team works with you to gather the information and documents that matter. We’ll help you understand what we need so the attorney can walk into the meeting prepared.
2. Your Attorney Reviews Your Documents
Your lawyer reviews the materials relevant to your potential claim. Depending on your circumstances, that may include your long-term disability insurance policy, medical records, doctor reports, test results, job description, performance reviews, disability or claim forms, denial letters, and other documents relevant to your situation.
The point isn’t to give you generic disability advice. It’s to understand your situation before we meet.
3. Approximately 60 Minutes With an Experienced LTD Lawyer
You’ll meet with an experienced long-term disability attorney by video or in person. Most meetings take an hour or less, but we’re not watching the clock. You don’t walk away with an unanswered question simply because the hour is up.
4. A Written Summary Afterward
After your meeting, we’ll send you a plain-English written summary covering what you discussed, what we noticed, what you should keep in mind, and what we would do next if this were our file.
You don’t have to rely on your memory or take frantic notes during the consultation. You leave with something you can actually use.
5. 30 Days of Follow-Up Questions
Questions don’t always stop when the video call ends. For 30 days after your consultation, you can ask follow-up questions related to what you discussed at no additional charge. If a question requires substantial new research or a new review of documents, we’ll tell you before doing that work.
6. We’ll Look Over Your Shoulder While You Apply
If you decide to file your claim yourself, you’re not completely on your own. As part of the consultation service, we’ll carefully review your disability application and related forms before they are submitted to the insurance company.
We call this “looking over your shoulder as you apply for benefits.” The goal is to make sure nothing is submitted half-finished or worded in a way that could create problems for you later.
What Questions Can a Pre-Claim Consultation Help Answer?
Your consultation is about your situation, not generic disability law. Depending on your circumstances, you may want answers to questions like:
- Should I file my claim now or wait?
- Should I continue working?
- What should I use as my date of disability?
- What should I tell my employer?
- What should I tell my doctor?
- Is my medical documentation strong enough?
- What evidence will I need?
- Could I qualify for partial disability benefits while I’m still working?
- What does my disability policy actually provide?
- Are there benefits in my policy that I haven’t considered?
- What should I do before submitting my claim?
- What should I avoid doing?
- How will the insurance company evaluate my claim?
- What happens after I file?
- What if my doctor won’t complete the disability forms?
- How might Social Security Disability interact with my claim?
- What should I know about surveillance and social media?
- How long could my benefits last?
These aren’t questions where a generic Google search necessarily gives you the answer. The answer may depend on your policy, medical evidence, occupation, income, and the specific facts of your situation.
That’s why we review the actual documents and talk through your circumstances with you.
Three Mistakes We Want to Help You Avoid
1. Filing Before You’re Ready
A doctor saying you’re “off work” isn’t necessarily the same thing as having the evidence needed to support a long-term disability claim. Before you leave your job or submit your claim, it’s worth understanding what your policy requires and whether your medical and vocational evidence tells the story your claim needs to tell.
2. Waiting Too Long
You don’t necessarily have to be completely unable to work before disability benefits become relevant. Depending on your policy, you may have a potential partial disability claim if your condition has reduced your ability to work or your income.
We’ve seen professionals continue working because they assumed that earning an income meant they couldn’t have a disability claim. That assumption can be costly.
3. Filing Without a Strategy
Once you’ve submitted your claim, the insurance company has your application and begins evaluating the evidence. A pre-claim consultation gives you an opportunity to think through important decisions before you’re committed to a particular course of action.
Could Your Policy Provide Benefits You Didn’t Know About?
Sometimes, the answer is yes. A long-term disability policy may contain provisions or additional benefits that you haven’t considered. That’s one reason we review the actual policy as part of the consultation rather than giving you generic advice.
For example, our consultation materials describe a physician who discovered an additional $60,000 per year in catastrophic disability benefits with our help.
We’re not promising that your policy contains additional benefits. But having an experienced lawyer review the policy can help you understand what you’re actually entitled to before you file.
What Does the Guaranteed Consultation Cost?
Our consultation fees are straightforward:
Ben Glass: $2,500
Damon Miller: $1,250
The fee is due after your meeting — never before. The consultation is also backed by our guarantee. You have the meeting, receive the written summary, and consider whether the consultation helped move your life forward.
If it didn’t, tell us. You don’t pay the invoice. There is no cancellation fee and no fee of any kind if you decide not to go forward.
Who Is a Pre-Claim Consultation For?
A pre-claim consultation may be particularly useful if you’re:
- Preparing to file a long-term disability claim
- Considering leaving work because of a medical condition
- Still working but your disability has reduced your income or ability to perform your job
- Unsure whether you’re ready to file
- Unsure what your insurance policy actually provides
- Worried about making a mistake before filing
- A doctor, lawyer, business owner, executive, or other professional
- Dealing with a complicated medical or occupational situation
The complexity of your medical and financial circumstances can also help determine which BenGlassLaw attorney is the best fit for your consultation.
Who Will I Meet With?
You can choose! We have highly experienced ERISA lawyers on our team for you to consult with: Ben Glass or Damon Miller.
Ben Glass
Ben Glass has been handling long-term disability claims for more than 25 years. He has represented high-income professionals, business owners, C-suite executives, doctors, lawyers, and entrepreneurs in long-term disability claims against major disability insurance companies.
A consultation with Ben may be particularly appropriate for business owners, doctors, lawyers, C-suite executives, and people earning $150,000 or more annually.
Damon Miller
Damon Miller has worked in long-term disability law since 2015. He has worked with disabled clients across the country and teaches attorneys and other professionals about complex ERISA issues.
A consultation with Damon may be particularly appropriate for upper- and middle-management professionals, nurses, paralegals, administrative staff, construction workers, maritime workers, industrial workers, and other blue-collar professionals, particularly those earning less than $150,000 annually. Consultation with Damon: $1,250
Do I Have to Hire BenGlassLaw After the Consultation?
No. This is an important part of how we approach pre-claim consultations. Our goal is to give you the information and strategy you need to make informed decisions about your claim. Many people leave the consultation feeling prepared to handle the filing process themselves.
If you decide you want to handle your own claim, that’s okay. If your claim is later denied and you decide you need our help, the cost of your pre-claim consultation is credited toward future work we do for you.
What If I’m Not Sure Whether I Need a Pre-Claim Consultation?
That’s okay, too. You don’t need to know whether a pre-claim consultation is right for you before you contact us. Start with a conversation with our team. We’ll learn about your situation and help determine whether a paid pre-claim consultation makes sense.
Frequently Asked Questions
What is the Guaranteed Long-Term Disability Consultation?
It’s a personalized legal strategy session before you file your long-term disability claim. An experienced LTD lawyer reviews information about your situation, discusses your questions with you, and helps you develop a plan for what to do next.
What does the guarantee mean?
After your consultation, we’ll send you a detailed written summary. If you don’t believe the consultation helped move your life forward, tell us and don’t pay the invoice. There is no form to fill out and no explanation required.
When do I pay?
After the consultation — never before. The fee is $2,500 for a consultation with Ben Glass or $1,250 for a consultation with Damon Miller.
How long is the consultation?
Approximately 60 minutes. Most meetings take an hour or less.
What happens before my meeting?
A member of our long-term disability team will work with you to gather the relevant information and documents. Your attorney reviews those materials before the meeting so your time together can focus on your actual situation.
What happens after the consultation?
You’ll receive a plain-English written summary of the consultation. You’ll also have 30 days to ask follow-up questions related to the consultation at no additional charge.
Will you review my disability application?
Yes. As part of the consultation service, we’ll carefully review your disability application and related forms before they are submitted to the insurance company.
Do I have to hire BenGlassLaw after the consultation?
No. The consultation does not obligate you to hire us for your claim, appeal, or lawsuit. Any additional work would be covered by a separate agreement.
Can I ask follow-up questions after my meeting?
Yes. You can ask follow-up questions related to your consultation for 30 days at no additional charge. If your question requires substantial new research or a new document review, we’ll tell you before doing that work.
Is the consultation available nationwide?
Yes. BenGlassLaw handles long-term disability matters nationwide, and consultations can be conducted by video.
Before You File, Know What You’re Doing
Your long-term disability claim could affect your income for years. You may only get one opportunity to make certain decisions at the beginning of the process.
Before you stop working, before you submit your claim, and before you start answering questions from the insurance company, take the time to understand your policy, your evidence, your options, and what you should do next.
And because we believe in the value of this consultation, we guarantee it.
Spend the hour with an experienced LTD lawyer. Get the written strategy. Ask your follow-up questions. Have us look over your application.
If it doesn’t help move your life forward, you don’t pay.
Schedule a Guaranteed Long-Term Disability Pre-Claim Consultation by contacting us today.