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The Best ERISA Long-Term Disability Attorneys, Life Insurance Attorneys and Accidental Death Insurance Attorneys Will Tell You:
Don’t Lose Hope - You CAN Overturn a Claim Denial!
Whether you’re fighting an insurance company’s denial of disability insurance, life insurance or accidental death insurance, they want you exhausted by their claim process.
Their denial letter tells you that under “ERISA law” you can “appeal.” But they obviously don’t want to pay your benefits, so they give you no guidance on how to appeal with any chance of actually winning.
So you wonder: How long should an appeal be? What should I say? What traps should I avoid? What additional records, expert reports, witness statements or other evidence will help me win? Do I even have a chance of recovering my benefits?
The good news is, you can still win the insurance benefits you paid for to protect your livelihood and your family despite receiving a denial letter. The LAW, not the insurance company, has the last word.
Every unique claim has a unique best path for you to choose to recover benefits and financial security for your family, but also paths to avoid - those likely resulting in permanent loss of those benefits.
We answer any questions
you have FREE OF CHARGE.
Receiving a bill should never be the first step in getting help. Our firm knows that when dealing with an ERISA, long term disability or insurance claim, what you need is answers, and we are here to provide them free of charge.
Our firm welcomes telephone calls or the opportunity to visit with you in person to answer any questions you may have. We also provide FREE comprehensive case reviews. There is no obligation to hire us as your ERISA attorney.
As a Former Insurance Company Attorney, I’ll Tell You Exactly What the Insurance Company Hopes You to Do Next, and What You Should Do Instead. (Don’t Skip This)
Understanding this is critical to winning your benefits:
The insurance company hopes you respond to their denial, exhausted, in one of two ways
1. Give up and go away, or
2. File an “appeal” that simply argues why the claim denial was wrong, without submitting stronger new EVIDENCE (most claimants and attorneys unfamiliar with federal ERISA law make this mistake).
Why?
Because the insurance company knows that by choosing either of those two routes, you will lose your last and best chance of getting benefits. They know that ERISA law prohibits the court from considering any evidence that you don’t submit with your appeal before filing suit (most people don’t realize this until it’s too late).
But there’s a third way to respond. It’s what the insurance company DOESN’T want you to do, and it’s exactly what you SHOULD do.
That is, BUILD your claim and appeal strategically with NEW EVIDENCE (not just ARGUMENT), using a tried and true process that PROVES your claim the way they know will stand up in court if they deny your appeal.
That’s what wins benefit claims - both appeals and lawsuits, and the years of future financial security you paid to protect. Avoiding pitfalls and getting it right is critical.
Read on to learn step-by-step how to BUILD your claim using our Blueprint to Benefits Process, and what you can expect if we do it for you.
Why Work With Us?
We get it. It’s confusing with so many disability, life and accidental death insurance attorneys and law firms out there to decide which is the best fit for you.
You want to make the best choice, and you know that the likelihood of recovering your benefits will depend on the 1. Experience, 2. Hard work, and 3. Well-planned process and strategy your attorney brings to your case. All three are essential.
We credit our success and happy clients to the following unique qualities we bring to our clients’ benefit denial battles:
Insider Experience
A Former “Big Law” Insurance Company Attorney Works One-On-One with You Against Your Insurance Company
Highly Specialized
We’re 100% Focused on Long- and Short-Term Disability, Accidental Death and Dismemberment, and Life Insurance Recovery under the Complex Federal ERISA Law
Our 5 Step Blueprint to Benefits Process
Our strategy developed, refined, tested and proven through 30 plus years of fighting – first for insurance companies, and now only against them. We let no advantage go overlooked, you’ll see our work real-time, and never wonder “What’s Going On With My Case?”
Our Four Guarantees
From beginning to end, you’ll know you’re getting exceptional representation, communication, and education as we work together. You’ll feel it. We know it, so we offer you four guarantees:
- NO Fee, NO Cost Guarantee
- Transparency Guarantee
- NO Risk of Regrets Guarantee
- Complete Convenience Guarantee
Our Happy Clients.
We’re grateful for the kind words we hear from our past clients – they keep our energy and motivation humming to keep fighting the fight.
Our Work Product. With Over 30 Years of Insurance Focus, We’re Good at This.
Click Here to Listen to Price Argue Against “Big Law” and “Big Insurance” in a Recent Case to the U.S. Fifth Circuit Court of Appeals (second-highest court in the U.S.), Winning the Reversal of His Client’s Benefit Denial.
I’ve Personally Been in Your Shoes. I Get it.
Losing my own brother, then my father and sister after long, disabling illnesses just a few months apart drove home the just how critical these benefits are to both victim and family.
We Help People at All Stages of the Process.
From Initial Applications, to Appealing Claim Denials, to Federal Court on Denied Appeals. We Won’t Bail Just Because the Battle Moves to Court. We Thrive There.
Our Limited Caseload.
We don’t want a “volume” practice, leaving clients wondering if we’re working on their case. We want best results with superior client communication, satisfaction and confidence making the entire process less stressful because the client knows exactly what will happen next and why.
First Steps
It Only Takes a few Minutes to See if We Can Help You
Call us now, and we’ll take just a few minutes to get some basic information. We’ll review and evaluate your denial letter in an initial consultation for free, no charge, and let you know if we can help. (Most like this better than filling out contact forms, but you can use that option as well.)
If we believe we can help you, we’ll decide and you’ll decide if we’re the best fit for your case. If we decide together to move forward, we will start working on your custom Blueprint to Benefits immediately, as in today, not tomorrow.
If we don’t feel we can help you we’ll tell you exactly why, recommend your best next steps and try to steer you in the best direction for your situation.
Why I Quit “Big Law”, Representing Insurance Companies, to Fight for People Like You, and Why it Matters
It was an exciting “big deal” following law school to get an offer to work for a “Big Law” firm representing insurance companies. Newly married and starting a family, I accepted the offer.
For the next several years I strategized and collaborated with insurance companies as clients. I learned their behind-the-scenes claims-handling practices and tactics to expose fraudulent claims. That part was fine.
The bad part was when insurance companies wanted to derail good deserving claimants, to pay them nothing or much less than they deserved when they really needed it, after paying for years to have that coverage. They saw a dollar saved on a deserving claim no differently than one saved a fraudulent claim.
I decided to use what I learned from representing insurance companies at Big Law to instead fight for deserving claimants – actual people and families, against the insurance companies to recover their denied insurance benefits.
So I resigned from “Big Law”, never represented another insurance company, and love helping good people get the benefits they paid for and deserve.
“Working directly for insurance companies prepared me better than anything else to guide wrongful claim denial victims to justice.”
When I first quit Big Law, I thought I had “wasted” several years of career path. But everything happens for a reason. Now I know that NOTHING can replace the value and insight that experience gave me for representing my current clients and advising other attorneys on these claims.
I can predict the insurance companies’ strategy and next moves in each case, frustrate their plans, and stay one step ahead of them throughout the claim battle.
Why Our 100% Focus on Long- and Short-Term Disability, Accidental Death and Dismemberment, and Life Insurance Recovery under the Complex Federal ERISA Law Benefits You
After leaving “Big Law” national insurance company representation, I started handling more and more ERISA-regulated long- and short-term disability, accidental death / dismemberment, and life insurance claims for wrongfully denied clients. I found that most calls I got involved truly wrongfully denied claims.
This area of law is so obscure, complex and constantly changing, that I decided to devote 100% of my practice to these claims and nothing else. Doing that was the only way I could stay up to date with the ongoing changes in the law and how those changes might benefit my clients’ cases.
Now, every day, THIS IS ALL WE DO!
And every day I’m grateful that this is what I do.
Our 5 Step Blueprint to Benefits Process
You’ll Never Wonder “What’s Going On With My Case?”
Your custom five-step blueprint to benefits process will include the following steps, work product, and you’ll get updates and copies of all parts of our work, real time as we move aggressively forward – without asking.
GATHER
We review your denial letter and gather all initial details we need from you about your claim to get started.
We get all claim file evidence and insurance policy documents from the insurance company – even the key documents and secret communications they “forgot” to tell you about that can help win your case.
ORGANIZE
We demand all missing evidence, with court involvement if necessary.
The claim file the insurance company sends us is a useless, disorganized mess of usually between 1000 and 5000 pages.We organize, tab, index, sequentially page number, and make your claim file “text searchable” using the best technology. Then we create what we call your “claim file master summary chronology” with reference to the page numbers of the claim file where located.This brings into focus any evidence that is “missing” (or intentionally withheld), and any ERISA procedural violations that can help your cause.
ANALYZE
We study all details of your insurance policy and other potentially helpful ERISA “plan documents.” All policies and plans are different, and slight language differences can determine an outcome.
Insurers are commonly “mistaken” (or misleading) about how the law treats a particular clause or exclusion under the unique facts of your claim when they deny it.
We take a deep dive into nationwide federal court caselaw databases to find cases most similar to yours, and supportive of your claim.
We analyze strengths to build on, weaknesses to eliminate, and opportunities to create a strategic plan and build the best additional evidence for your strongest possible case.
BUILD
Using all of the above, and with further input from you, your family, appropriate medical providers, any previously missing records, and reports of other experts or specialists we may hire as needed to strengthen your case, we create an overwhelming new body of evidence.
We then use that evidence, along with citations to supporting caselaw from our research, to create your “bad faith spotlight package” for the insurance company and court to consider.
EXECUTE
We complete what we call your “denial buster submission.” We weave all of the above, the evidence of the initial claim file, any recovered “missing” evidence, your bad faith spotlight package, highlight any ERISA procedural violations, the relevant policy provisions and caselaw, together into your best factual, medical and legal argument to recover the benefits you deserve.
We present your final denial buster submission to the insurance company and court if necessary.
Our Four Guarantees
From beginning to end, you’ll know you’re getting exceptional representation, communication, and education as we work together. You’ll feel it. We know it, so we offer you four guarantees:
Throughout the entire process, we pay all costs, as we fight through any appeal or through federal court judgment or settlement of your claim. You won’t spend a dime, and you’ll owe us nothing if we don’t recover for you. No fee, no costs. Nothing.
You’ll NEVER wonder “what’s going on with my case?”
You’ll get updates and copies of all parts of your custom blueprint to benefits process, real time as we go – without having to ask.
You’ll know you made the right choice to work with us from the get-go.
If you decide we are not the best choice for you to fight for your denied benefits within the first 30 days of hiring us, just say so. No reasons needed. You will owe us nothing. No fee, no costs. Nothing.
For your convenience, you’ll never need to leave your home to work with us. While we are happy to meet in person if you wish, we can handle everything from beginning to end by telephone or video call visits (Zoom, Facetime, etc.). We can exchange documents and get electronic signatures by email or text, and even deposit recovered benefit money directly into your bank account!