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. You can 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 want you to know your rights and understand the insurance company's 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.