Most Virginia attorneys don't handle this area of law, which deals with group and individual long-term disability policies (often under a littleknown area of the law called ERISA, or Employlee Retirement Income Security Act). However, at BenGlassLaw we have a team that works specifically on these types of cases.
Here's how we can help:
- The best time to talk to us is when you are thinking about stopping work and applying for benefits. We can point in you in the right direction, give you advice and tell you what to talk to your doctors about. There is a fee for this consult.
- If your benefits have been denied and you are entitled to appeal just fax /email/mail us the denial letter as soon as you get it.We will review it and give you a detailed strategy for moving forward. This service is free.
- If your benefits have been denied and you did your own appeal, we can only help you if you have a second appeal available to you. Sorry, but you made a huge mistake trying to handle the appeal on your own.
More Information about Long-Term Disability Claims in Virginia
The American Employee is Being Screwed by Employers who Buy Sham Group Disability Policies and our book, Robbery Without a Gun, Proves it.
How's this for fair?
The insurance companies sell group policies that some courts have said provide little or no coverage.
Congress passes ERISA to 'protect' employees pensions but in doing so unwittingly gives the disability insurance companies a free pass to play the game on a field that is not level. Then, when claims are denied the insurance companies blame the employers for buying crappy policies.
What a Scam!
Ben Glass exposes the scam in Robbery Without a Gun. It's free for Virginia residents!
The book should be read by:
Any employer who thinks he/she is providing real disability coverage to the employees.
Any doctor who treats patients who are making long term disability claims.
Any claimant BEFORE they make a claim.
You can read more about and order a copy of Robbery Without a Gun.
Your employer's group long-term disability policy may be the greatest rip-off in the history of the American employee! Unsuspecting employers have been conned into buying policies that some courts have said will only pay benefits if you are in a coma. Get my book by filling out the form above.
BenGlassLaw can help you if you are thinking about going out on disability, and need advice. Consults are done on an hourly basis and the fee is $500.00 per hour (most people begin with a one-hour consult with the BenGlassLaw long-term disability team).
Group long-term disability insurance polices are one of the biggest scams in America. Claims for non-payment of insurance benefits are exploding as insurance companies try to cut every bill that they can. What they save by denying you benefits for hundreds of dollars turns into millions of dollars when they do it to every claimant.
Disability insurance companies are finding that policies that they wrote years ago, promising to take care of you if you couldn't do your job, are becoming very expensive for them. We have handled, and are handling, many claims against Unum Provident, CNA, Hartford, Prudential, and many other insurance companies.
We represent claimants in disputes involving:
- Denial of benefits under private (non-ERISA) insurance polices.
- Denial of benefits under long term disability policies, both ERISA and non-ERISA.
When Should I Get Legal Advice Regarding My Disability Claim?
You should absolutely consult with an attorney experienced in ERISA long-term disability claims before you file a claim. Too often we are contacted by people who have filed claims and exhausted their administrative appeal rights . If you must later file suit, a court is only going to review what is in the insurance company's file. EVERY case we have in which the client has applied for benefits and done the appeal himself/herself, the record that the court reviews lacks important information and documents that could have been provided with the original claim. Remember, the insurance company KNOWS that your review in court is limited.
Do you think that the insurance company is going to fill the record with information favorable to you? We have never seen that happen!
Your attorney should be experienced in litigating disability income insurance claims and, if you insurance is through your employer, that attorney should understand how ERISA impacts the case. Ask the right questions. Attorneys cannot simply “dabble” in ERISA!
If you have been denied long term disability benefits, we will review that denial letter at no charge and suggest an appropriate course of action. We have a variety of fee programs available.
We want you to know your rights and understand the insurance company tactics.
Ben Glass' Book Will Show You:
- How the way you fill our your claim form can wreck you case;
- How doing the appeal yourself can give the insurance comnpany an excuse to deny your claim;
- Why a Federal Judge said that claimants without an experienced ERISA disability attorney are at a 'distinct disadvantage' when appealing their claim denial;
- What you must have in your hand before you file your claim if you want to have any hope of getting paid;
- How to find a board certified lawyer;
- How one former insurance company employee describes the claim denial process inside one of the world's largest disability insurance companies (you will be shocked);
- How the insurance companies use video and other secret surveillance to try to deny you benefits;
- How one company used an errant check mark on a physician's form to deny benefits and what we did about it to get benefits restored.