You pay into your long-term disability (LTD) coverage expecting that it will be there if you ever need it. But when illness or injury prevents you from working, your claim might be met with silence, delay tactics, or even a flat-out denial. Talk to a long-term disability lawyer in New Jersey who understands how to challenge insurers and get your benefits moving again.
At ERISA Insurance Claim Attorneys, we help clients throughout New Jersey fight back against unfair LTD denials. Led by Price McNamara, an experienced New Jersey insurance claims lawyer, we bring over 30 years of legal experience handling ERISA-governed claims.
We know how insurance companies think because we’ve worked on both sides, and we’ve seen firsthand how these delays can disrupt lives. That’s why our clients count on us to move quickly and treat every case like it matters—because it does.
The Truth About LTD Insurance and Why Denials Happen
Most long-term disability policies offered through employers fall under a federal law called ERISA, or the Employee Retirement Income Security Act of 1974.
While the law sets minimum standards for claims and appeals, it often favors insurers over claimants. Even legitimate claims can be denied if just one document is missing or the language doesn’t match what the insurer expects.
Common reasons LTD claims are denied include:
- Lack of “objective” medical evidence, even if your doctor confirms your disability
- Insurer disputes about your ability to perform “any occupation” instead of just your old one
- Surveillance or social media activity used out of context
- Missed deadlines or incomplete claim packets
Under 29 U.S. Code § 1133, ERISA requires that insurance plans provide a full and fair review process after a denial. But your right to that review comes with strict timelines and procedural rules. That’s why working with a knowledgeable ERISA disability attorney in New Jersey is so important.
For a free legal consultation with a Insurance Claim lawyer serving New Jersey, call (225) 201-8311
How Our Disability Law Firm Helps Clients in New Jersey
We guide clients through every phase of appealing a long-term disability denial of benefits, from initial application to final federal court appeals. Whether you’re just getting started or have already received a denial letter, our team is ready to step in and take over the legal legwork.
Our services include:
- Initial claim preparation:Â We help you gather medical records, employment documentation, and personal statements to support your application.
- Administrative appeals:Â We challenge denials with detailed appeals that include legal analysis, medical updates, and vocational assessments.
- Litigation in federal court:Â If your appeal is denied, we file a lawsuit on your behalf under ERISA and represent you through every step of the case.
With ERISA, you only get one chance to add evidence during the appeal phase. Once the case goes to court, no new documents can be introduced. That makes it critical to build a complete and compelling claim file from the very beginning—and that’s what we do best.
New Jersey Long-Term Disability Lawyer Near Me (225) 201-8311
Why Clients Choose ERISA Insurance Claim Attorneys
Our clients are often going through one of the most stressful times in their lives. Whether they’re dealing with chronic illness, post-surgical recovery, or long-term injury, they need someone they can trust—someone who knows how to deal with insurers and doesn’t back down.
Here’s what makes our firm the right choice:
- Fully remote representation:Â We serve clients throughout New Jersey without requiring in-person meetings. Everything is handled by phone, email, and secure e-signatures.
- Contingency fee model:Â You pay nothing up front. We only collect a fee if we win, and our structure is capped to protect your financial recovery.
- Decades of focused experience:Â With over three decades of success handling ERISA claims, we understand the nuances that general law firms often miss.
When you work with us, you’re not just a file number. We learn about your medical history, your job, and your goals so we can tell your story in a way that resonates with insurers and, if needed, federal judges.
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The High Stakes of Waiting Too Long
One of the most dangerous mistakes people make is assuming that their appeal can wait. Under ERISA, the clock starts ticking the moment your LTD claim is denied. In most cases, you have only 180 days to file an administrative appeal, and if you miss that window, your legal options may be permanently limited.
Even if your insurance company offers to “take another look,” you still need to treat the situation like a formal denial. That’s where a seasoned long-term disability attorney in New Jersey can help you avoid costly delays.
We know how to hold insurers accountable. If your plan administrator fails to meet their obligations under ERISA or applies policy terms unfairly, we take swift legal action to protect your rights and get the benefits you deserve.
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Contact Our New Jersey Long-Term Disability Lawyer for a Free Consultation
If your LTD benefits have been denied, delayed, or underpaid, don’t wait to get help. At ERISA Insurance Claim Attorneys, we focus exclusively on ERISA law. We’ve spent over 30 years helping clients across the U.S. recover denied benefits, and we’re ready to do the same for you.
Call today for your free consultation with a knowledgeable long-term disability attorney in New Jersey. There’s no cost to speak with us, and no in-person meetings are needed. We offer real answers, responsive communication, and legal representation you can count on.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
