Bross & Frankel is a law firm focused on obtaining disability benefits for clients in New Jersey, Pennsylvania and throughout the country. Our experienced disability benefits lawyers have represented thousands of clients in individual disability insurance claims and ERISA long-term disability claims offered through their employers.
The attorneys at Bross & Frankel can help you receive your full long-term disability benefits by providing a wide range of services, including:
- Disability Claim Review
- Application Assistance
- Appeals for Denied/Terminated Private Insurance LTD Benefits
- Appeals for Denied/Terminated ERISA Benefits
ERISA Long-Term Disability Benefits
Long-term disability plans offered through your work are usually governed by a federal law known as ERISA (Employee Retirement Income Security Act). While these plans are based on policies that can differ significantly from employer to employer, there are a few general features they often share. LTD plans will pay benefits (usually 60% of gross earnings) to employees who are unable to work for a significant period of time. Typically, these benefits are available only after you have been out of work for six months.
While these benefits may sound great, actually getting them can be extremely challenging. Many ERISA plans also have two different definitions of disability you may have to meet in order to continue receiving LTD benefits.
Appealing Denied LTD Benefits
ERISA benefits have strict deadlines that, when missed, can seriously limit or forever prevent a disabled worker from getting disability benefits. Many ERISA policies will only allow a single appeal with a limit of 180 days from the date of the initial denial to submit that appeal, and any additional evidence you may have to support your claim. If the LTD insurer again denies the claim, your only remaining recourse would be to file a federal lawsuit to try to obtain your benefits.
Bross & Frankel’s ERISA disability attorneys have the experience and knowledge necessary to address the insurer’s reasons for denying your claim. We’ll get to work to give your appeal the best chance of success.
If you have been denied long term-disability or your benefits have been terminated, or if you have questions about applying for benefits, contact our disability benefits attorneys today.
Disability Insurance Denials We’ve Appealed
Our long-term disability lawyers have helped PA and NJ residents with their claims and appeals of denied benefits from insurance companies both large and small.
- The Hartford
- Liberty Mutual
- Sun Life
- Lincoln Financial
- Dozens of other private and ERISA disability insurance companies
Having an attorney who is familiar with long-term disability claims and the insurance companies that deny them is more important than having a convenient local office. This is a difficult and specialized area of the law. We only take cases we think we can win, and in most cases, only earn a fee if we do. When talking to a disability insurance attorney (even if it isn’t us!) make sure you feel comfortable that he or she knows how to fight LTD denials and win, and is realistic with you about the difficult hurdles the insurance companies and the law have put in front of people. Nobody wants to have to use disability insurance, but you want it to be there for you when you need it. When a claim is denied or terminated, that’s why we get to work when you can’t ®️.