One of the first steps is to take a look at where you work. Most government jobs will fall under a non-ERISA claim. Also common to non-ERISA claims are people who work for a church or religious organization or a hospital. Non-ERISA plans are governed by state law. State law can often be more favorable for many cases. If you have received a denial letter from a disability insurance company, and your case falls under the ERISA statute, there should be language in there that specifies rights that you have under ERISA. Check your denial letter for ERISA language.
Whether you have an ERISA long-term disability claim or state law claim that has been denied, we are experienced in handling disability appeals and insurance litigation cases that fall under both federal ERISA law and state insurance laws. Our firm has successfully concluded thousands of disability insurance cases. That experience means we bring a wealth of knowledge about the system to each client’s case.