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Frequently Asked Questions

What’s the Difference Between Individual and Group Disability?

Frank Darras, America’s Top Disability Lawyer, discusses the differing rights and remedies you have with a private disability policy versus a group policy.

Frank Darras:

“The difference between an individual policy and a policy that you got from your employer is the individual policy, you went to an agent or a broker, you have individual rights and remedies. You get a real jury trial. In some states, you get punishment damages. You get emotional distress for the worry, the frustration when your carrier wrongfully delays or denies. You can, in most cases, bring your doctor, friends and family, before and after your employer, everybody to talk about how hard you tried to get better. That’s an individual policy.”

“On the group side, your rights and remedies are really limited. There is no trial on the merits. There’s no punishment. There’s no discovery, so your doctor’s never going to get deposed. You’re never coming to court, and you’re going to be in federal court, trying to prove beyond a reasonable doubt that the insurance company was wrong. And you get to do that by an appeal.”

“If you miss the appeal by one day, or you don’t put all the information into the appeal, you lose, because the judge is never going to meet you, nor will anybody come to trial to testify. It’s all on the paper, which is why it’s so important to have a lawyer if you get your group policy denied.”

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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