New Jersey Long Term Disability / ERISA Lawyer

NJ ERISA Lawyer

Have you been denied or terminated from receiving long-term disability benefits you are entitled to under a private disability insurance policy or a disability policy provided by your employer (ERISA)?

You are not alone. The vast majority of people who are denied or terminated are led to believe that their case is helpless. Most people either don't know how or don't have the energy to fight the “David and Goliath” battle against the insurance company who denied them. Further, the insurance company may have to be sued in Federal Court before they agree or forced by the court to give you the benefits you rightfully deserve.

You need an experienced attorney who has the strength to fight for you and handle your case from beginning to end to do whatever they can to make sure you are not left in the cold. Disability benefits are the road to a life of stability. Why take a risk at losing that lifeline?

Call us now toll-free at 1-866-634-9849 or send us an email message by clicking here.
We will help you with your Long Term Disability / ERISA claim and give you the time and attention you deserve.

FREQUENTLY ASKED QUESTIONS

When Should I File My Claim?

Nearly all policies demand that "proof of loss" be provided as soon as possible. As such, in general, the earlier you file your claim, the better.

What Will My Attorney Do if My Claim is Denied, Delayed or Terminated?

First, an administrative appeal process must be followed i.e. by working through the insurance company's internal appeals process. If that process is followed and you are still denied or terminated from receiving your disability benefits, the only option at that point is to sue the insurance company in Federal Court. This is a step that should be undertaken by an experienced and conscientious attorney that knows how to prepare your Federal case appropriately.

What is ERISA?

ERISA stands for the Employee Retirement Income Security Act of 1974, a federal law that was enacted to regulate employee benefit plans. ERISA has very detailed rules regarding insurance company disability plans. Due to the complex nature of ERISA there are very few attorneys who specialize in ERISA / long-term disability cases. The Rosenblum Law Firm prides itself in specializing in this field.

Does ERISA Apply to Me?

If you receive your disability insurance as an employee benefit, then you probably have a policy that is governed by ERISA.

On the other hand, if you purchased a disability insurance plan privately (e.g. you are self-employed and decided to buy disability insurance from an insurance company), ERISA does not apply to you.

Due to the complexity in the applicable law, it is crucial that you have the guidance of a skilled attorney like those at The Rosenblum Law Firm.

Do I Need to Lose My Income in Order to Collect Disability Income Payments?

Under many policies, you do not need to suffer a loss of income in order to qualify for disability benefits, provided that you are no longer able to perform the main duties of your job. If you are only partially disabled, as opposed to totally disabled, then you must usually suffer a percentage loss of pre-disability income as prescribed by the policy.

However, in the case of total disability, your right to benefits is dependent on your ability to perform your duties at work.

What Role Does My Doctor or Medical Professional Have in a Long Term Disability Claim?

Working closely with your doctor / medical professional during the claim process can be the difference between a successful claim and a claim that gets denied. Challenging a decision reached by the insurance company where the insurer takes your own doctor's records and can seek to use them as a basis to deny your claim can be very difficult. An experienced attorney like those at The Rosenblum Law Firm will work with your doctor to make sure that he or she understands the important role they play in the claim process and ensure that all documents are gathered and prepared in the correct manner.

How Much Information Should I Give the Disability Insurance Carrier?

This is a critical and complicated issue that should be determined by a professional representative (attorney) with experience in representing people like you such as the attorneys at The Rosenblum Law Firm.

What If I Have More Questions?

You should always feel free to call the attorneys at The Rosenblum Law Firm toll-free at 1-866-634-9849 or send us an email message by clicking here. We will be happy to answer any further questions you may have.