Unlike disability claims made through the Social Security Administration (SSA), recovering the benefits offered under your employer’s benefits package must be made through their insurance company. There are certainly advantages to employer-provided long-term disability benefits over the benefits offered through the Social Security Administration. One benefit is that some long-term disability plans offered through private insurers do not max compensation out as low as the SSA does. Currently, the maximum monthly benefit through the SSA for one person without dependents is $1,220. However, there is also a downside to employer group plans. The claims process is riddled with hurdles, and employers can deny your benefits or take them away after two years for nearly any reason of their choosing. Only an experienced long-term disability lawyer can help.
Employees are not required to provide pensions or disability benefits to their employees. These benefit packages are offered to retain skilled workers and in so doing, increase productivity and employer loyalty. Employers who do offer long-term disability benefits do so in return for the high level of work performed by their employees. Employees deserve some level of federal oversight when it comes to these important benefits. Otherwise, employees and their insurance companies could run employees through a gauntlet of a claims process and still end up denying coverage for any reason of their choosing. The Employee Retirement Income Security Act (ERISA) is a federal program that oversees private employer-provided long-term disability. Unfortunately, ERISA has been corrupted in the decades since its creation by dozens of court decisions, and now works more for large employers and their insurance providers than it does for disabled employees.
12.6% of Americans have a disability, according to the Pew Research Center, and millions of these people are totally physically disabled. This means that they are incapable of performing any type of job that provides a reasonable level of income. Thousands of American workers become disabled every day due to traumatic injury, overuse injuries, and illnesses. ERISA was meant, in part, to offer protection for these individuals. Now, employees who file for long-term disability are routinely turned away by employers and insurance companies that have successfully changed the fundamental way that ERISA works, and melded it to benefit themselves. This is why you need an experienced ERISA attorney who will fight for your benefits. Contact the law offices of J. Price McNamara today to set up a consultation with an ERISA lawyer specializing in Palo Verde nuclear power plant employees.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
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