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Benjamin W. Glass III & Associates
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Fairfax

  • 3915 Old Lee Highway Suite 22-B
    Fairfax, VA 22030
  • Phone: (703) 584-7277
  • Fax: (703) 783-0686
  • This office is open M-F, 9-5.
  • Get Directions

Alexandria

  • 1010 Cameron St
    Alexandria, VA 22310
  • Phone: (703) 688-3944
  • xThis is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Arlington

  • 1655 Fort Myer Dr #700
    Arlington, VA 22209
  • Phone: (703)591-9829
  • This is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Dumfries

  • 17932 S. Fraley Blvd Suite 400-F
    Dumfries, VA 22026
  • Phone: (703) 988-7607
  • This is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Herndon

  • 13800 Coppermine Road 1st Floor
    Herndon, VA 20171
  • Phone: (703) 544-7868
  • Fax: 703.783.0686
  • This is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Fredericksburg

  • 1135 Heatherstone Dr
    Fredericksburg, VA 22407
  • Phone: (540) 227-4571
  • This is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Lexington

  • PO Box 530
    Lexington, VA 24450
  • Phone: (540)300-2716
  • Lexington attorney Van Hardenbergh graciously allows the use of his office for clients meetings at this location and, with client permission, serves as co-counsel in cases in this area.
  • Get Directions

Manassas

  • 10432 Balls Ford Rd. Suite 300
    Manassas, VA 20109
  • Phone: (703) 988-7656
  • Fax: 703.783.0686
  • This is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Newport News

  • 11836 Canon Blvd Suite 100
    Newport News, VA 23606
  • Phone: (757) 932-9683
  • Newport News attorney Scott Wash is the BenGlassLaw team member at this office.
  • Get Directions

Petersburg

  • 1658 Berkeley Avenue
    Petersburg, VA 23805
  • Phone: (804) 601-1179
  • Petersburg attorney Van Hardenbergh graciously allows us the use of his office for clients meetings in Petersburg and with client permission acts as co-counsel in cases in this area.
  • Get Directions

Quantico - Stafford

  • 800 Corporate Drive, 3rd Floor
    Stafford, VA 22554
  • Phone: (540) 358-1371
  • This is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Reston

  • 12020 Sunrise Valley Dr. Suite 100
    Reston, VA 20191
  • Phone: (703) 988-7721
  • Fax: 703-783-0686
  • This is a satellite office that is staffed several days a month. Please always call before dropping by!
  • Get Directions

Richmond

  • 1506 Willow Lawn Dr. Suite 121
    Richmond, VA 23230
  • Phone: (804) 597-0119
  • Richmond attorney Bob Battle graciously permits us to use this office for client meetings and, with client permission, co-counsels with us on Richmond area cases
  • Get Directions

Virginia Beach

  • 4164 Virginia Beach Blvd Suite 204
    Virginia Beach, VA 23452
  • Phone: (757) 302-7527
  • Virginia Beach attorney Kellam Parks graciously permits us to use this office for client meetings and, with client permission, co-counsels with us on Virginia Beach area cases
  • Get Directions

Williamsburg

  • 809 Richmond Road
    Williamsburg, VA 23185
  • Phone: (757) 296-0594
  • Willaimsburg attorney Stu Spirn graciously permits us to use this office for client meetings and, with client permission, co-counsels with us on Williamsburg area cases
  • Get Directions

Words You Don't Want To See In Your Long-Term Disability Insurance Policy

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Years ago, the United States Supreme Court made the decision to allow insurance companies to “reserve discretion” for benefits available under disability insurance plans sponsored by employers.  If you see the phrase, “we have discretion to determine benefits,” in your policy, you need to recognize that these are dangerous words.

This discretionary clause often causes big problems for people applying for benefits.  Basically, the Supreme Court’s ruling gave insurance companies the power to add this clause into their own policies, which in essence, makes their decisions nearly irreversible by courts.  If you are looking to file a claim for long-term disability benefits in Virginia, you need to keep in mind that you are not on a level playing field with the insurance company.

When you take the insurance company to court because you were found not to be disabled, you have a huge obstacle to overcome.  It is not going to be easy to bear that heavy burden.

This discretionary clause is not required by the law and unfortunately, many employers do not understand the impact it has on their employees.  Employers need to insist that these clauses are not in their long-term disability policies.

If you have filed for long-term disability or are contemplating making a claim, it would be wise to talk with a Virginia disability insurance attorney who has experience in ERISA disability claims.

For more information about Virginia, long-term disability claims order a copy of my book Robbery Without a Gun.
Ben Glass
Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney
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