Our experienced attorneys handle cases with the guarantee we will only charge a fee when we succeed in obtaining benefits for you.

What the Insurance Company Won’t Tell You.

If your insurance company denied or terminated your long term disability benefits, there is a very important fact to be aware of. It is a fact insurance companies fail to disclose. They prefer you don’t know.

Under the federal law known as ERISA (Employment Retirement Income Security Act), once an appeal is submitted in an attempt to reverse an adverse decision from your insurance company, there is no other opportunity to add items to your claim file. For example, if your insurance company reviews your appeal and maintains its decision to deny or terminate your benefits, you cannot submit any additional evidence – EVER.

You can file suit in federal court, but again – you cannot add any other supporting documents to your file. You cannot testify before the court. You cannot call witnesses on your behalf. The court will only rely on the evidence you presented during the appeal stage, regardless of any updates in your medical condition.

It is a very critical point in your claim.

With the abundance of material you must gather to present a cohesive and detailed appeal, we strongly urge you to contact our experienced legal team for assistance in perfecting your appeal. We have countless years of experience with insurance companies and the way that they conduct business. They can be misleading and calculated. You are left with little chance to persuade a medical reviewer, adjuster, or judge that the company is obligated to pay your claim.

Most policies require you to apply for Social Security Disability when you bring a claim under the policy. Many companies will provide a “free” attorney to assist you with your Social Security disability application. In reality the attorney is not “free” but paid through benefits withheld by the Social Security Administration withholding attorneys fees from benefits provided under Social Security law.

Our firm possesses a team which handles Social Security Disability claims. They work in conjunction with our Insurance Disability Team. Unlike lawyers hired by a disability insurance company our lawyers possess an obligation to work for you, and only you. We will coordinate and maximize the benefits available to you under Social Security with the benefits available under your disability policy. We guarantee the fee for the Social Security disability representation will be exactly the same as the “free” attorney hired by the disability insurance company. This means you will pay nothing out of pocket for attorneys’ fees.

Insurance companies write the policies, collect the premiums and want to keep the money. It is a long hard struggle going it alone. Contact us today for a free evaluation which can change your life.