Long-Term Disability Insurance Overview

New Jersey Long-Term Disability Insurance Attorneys

At the Newark-based law firm of Abromson & Carey, we advocate for clients who have been wrongfully denied their rightful benefits from private and group long-term disability policies. Know that a denial by the insurance company may not be the final word. We will not only educate you on the policy you have, but help you aggressively fight against wrongful denials.

Group Long-Term Disability Governed by ERISA

Group long-term disability is offered through an employer. Essentially, they provide their employees long-term disability policies. The Early Retirement Income Security Act (ERISA) was designed to govern these types of group benefit plans. ERISA will regulate all procedures and litigation related to those policies.

When You Purchase a Private Long-Term Disability Policy

Many of our clients choose private long-term disability insurance plans if they are unable to work in the future. Instead of securing benefits through an employer, they visit an insurance broker and sign up for their own benefits. While not governed by ERISA, insurance companies must still adhere to the rights and obligations stated in the policy they sold an individual.

Experience Coupled with an Aggressive Approach

Regardless of how you secured your long-term disability insurance policy, we have the experience to help you if your insurance company terminates your policy. At Abromson & Carey, we can communicate the benefits you are entitled to and secure the evidence and documentation needed for a viable claim.

From there, we can file for benefits and appeal any denied or terminated claims. Insurance companies who engage in contract breaches or bad faith will be dealt with aggressively.

Contact Us

If your private or group long-term disability insurance claim has been denied or terminated, contact Abromson & Carey to schedule a free initial consultation with our disability claim lawyers.