Long Term Disability Lawyer in New York

When your long-term disability (LTD) benefits are denied or delayed, the financial and emotional toll can be overwhelming. Instead of support, many claimants face red tape, confusing policies, and denials based on vague justifications. That’s where a long-term disability lawyer in New York can make all the difference.

At ERISA Insurance Claim Attorneys, we help clients across the country, including New York, stand up to disability insurers and protect what they’ve earned. Led by Price McNamara, a seasoned New York insurance claims lawyer, we bring over 30 years of experience handling ERISA-based disability cases.

We understand the fine print in LTD policies because we’ve seen it from both sides, as a legal advocate and as someone with personal experience facing the very challenges our clients deal with every day.

How Our Law Firm Helps With Long-Term Disability Denials in New York

We focus exclusively on ERISA claims, which means we know what works, what insurers look for, and how to respond when they deny valid claims. Most group LTD plans fall under ERISA, the Employee Retirement Income Security Act of 1974.

This federal law sets strict guidelines for employer-sponsored benefits but often favors the insurance companies.

If you received a denial letter, missed a benefit payment, or feel your insurer is delaying your claim, it’s essential to act quickly. ERISA regulations allow a limited time to appeal, usually 180 days from the date of denial. Once that window closes, you could lose your right to challenge the decision in federal court.

Our ERISA disability law firm serving New York handles every stage of the claim process, including:

• Initial application: We ensure your submission meets all documentation and medical evidence standards.
• Administrative appeal: We build strong appeals within your deadline, using expert opinions, updated records, and legal arguments tailored to ERISA’s requirements.
• Federal court litigation: If necessary, we take your case to court, where insurers must answer for bad-faith denials or failure to follow plan terms.

For a free legal consultation with a long-term disability lawyer serving New York, call (225) 201-8311

What Makes ERISA Insurance Claim Attorneys Different?

You won’t be passed around a large law firm or wait days for a response. When you work with us, you’ll get one-on-one support directly from an experienced attorney and a team that understands both the emotional weight and legal hurdles of disability claims.

Here’s what sets us apart:

• Remote services, nationwide: We assist clients in New York and across the U.S. through email, phone, and electronic filing. There’s no need to appear in person.
• Contingency fee structure: You don’t pay unless we win, and our fees are capped to ensure you keep more of your benefits.
• Decades of results: With over $10 million recovered for clients nationwide, we know how to push back when insurers get it wrong, no matter how long a disability appeal takes.

New York Long-Term Disability Lawyer Near Me (225) 201-8311

Common Reasons Long-Term Disability Claims Are Denied in New York

Insurance companies use a range of tactics to deny LTD benefits, and unfortunately, many are legal under ERISA. Here are a few of the most common:

• Insufficient medical documentation: Even when your doctor supports your claim, insurers may say there isn’t enough “objective evidence” to support disability.
• Own occupation vs. any occupation: Policies often shift their definition of disability after 24 months, requiring you to be unable to work in any job, not just your previous one.
• Surveillance or social media monitoring: Insurers may watch your activities to catch inconsistencies between your claim and daily life.
• Pre–existing condition exclusions: Many policies deny claims based on conditions they consider pre-existing, even if those conditions were managed for years.

According to 29 U.S. Code § 1133, ERISA requires insurers to provide specific reasons for denial and a reasonable opportunity for a full and fair review. However, those rights are only protected if you respond within your appeal window and follow the proper process.

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Why Time Matters in an ERISA LTD Appeal

If your LTD claim has been denied, don’t wait to call a long-term disability attorney in New York. The appeals process is paper-based and highly technical.

Once the administrative appeal is submitted, you can’t add new evidence during a court case. That makes it critical to work with a firm that understands what needs to go in the record the first time.

Our team has worked with clients from all walks of life, from medical professionals to construction workers, and we take the time to understand your condition, your job, and how the denial has affected your life. We don’t use one-size-fits-all templates. We build appeals that insurers can’t ignore.

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Schedule a Free Consultation Today With Our Long-Term Disability Lawyer in New York

If your LTD benefits have been denied or delayed, we’re here to help. At ERISA Insurance Claim Attorneys, our goal is to give you peace of mind and the financial support you need to move forward. With over three decades of legal experience and a focus solely on ERISA disability law, we know how to stand up to insurers and win.

Call us today for a free consultation and find out how a long-term disability attorney in New York can protect your rights and restore your benefits.

We’re ready when you are. No in-person meetings required, just honest answers and dedicated help from a law firm that puts your needs first.

Call or text (225) 201-8311 or complete a Free Case Evaluation form