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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.
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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!
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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!
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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!
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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!
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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!
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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.
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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!
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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.
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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.
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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!
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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!
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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
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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
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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
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Learn how a little-known provision could prevent you from getting disability benefits

A new decision from the United States Court of Appeals for the Fourth Circuit sends a clear warning to any physician who is currently receiving disability benefits under a long-term disability insurance policy. This decision affects physicians in Virginia, Maryland, West Virginia, and North Carolina.

Virginia Beach orthopedist Paul Krop was insured under a group long-term disability policy issued by AIG Life Insurance Company. After Krop sustained a partial disability in January 2000, he filed a claim for benefits. His claim was filed under the “partial disability” provision of the policy because, while he was no longer able to operate on a full schedule, he was able to maintain an office practice. Thus, he had suffered a reduction in income.

AIG ultimately agreed with Dr. Krop and began to pay benefits. Each month Dr. Krop received income from his group orthopedic practice. The policy had been bought by the practice in part to make sure that any physician whose income was diminished would have that diminution “made up” by the insurance policy. The policy provided that if, in any month, the partially disabled physician’s income was between 20% and 80% of his predisability average monthly income, benefits would be paid.

Dr. Krop’s monthly income was based in part upon the income for the entire group. When his income in a month exceeded 80% of his predisability income (because the group as a whole had a good month), Dr. Krop thought that his disability payments would be suspended for that month. The insurance company, however, took the position that Dr. Krop’s disability benefits permanently ceased even though he had the same disability and even though he may not be able to earn anywhere near 80% of his predisability income at any time in the future. Dr. Krop’s position before the court was that he still had years of benefits available to him for those months in which his own income was less than 80% of his average predisability income.

In an opinion that shocked attorneys who represent claimants in long-term disability claims, the Fourth Circuit Court of Appeals upheld the lower court’s decision that, indeed, the “good month” that the practice had caused a permanent end to Dr. Krop’s long-term disability payments.

This case sends a clear message to anyone receiving long-term disability insurance benefits to make sure that they fully understand the policy. If a claimant is working and receiving partial disability benefits, then other income must be aggressively managed to prevent a permanent and unnecessary cessation of benefits.

Benjamin W. Glass, III, who is an attorney in Virginia who specializes in representing claimants in long-term disability claims, has written a book, Robbery Without a Gun, which you can download for free here.

For additional legal information that could help with your case, click on this link for a free download of The Five Deadly Sins That Can Wreck Your Injury Claim.

Ben Glass
Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney