Experienced, Top-Rated National Disability Insurance Lawyers

Led by the top disability insurance lawyer in America, founding partner Frank N. Darras and his legal team at DarrasLaw bring more than 100 years of insurance industry claims and experience in hard-fought litigation to individual disability insurance and long-term disability cases. Our attorneys have recovered nearly $1 billion in wrongfully denied insurance benefits, stopping the insurance industry from trampling those they promised to protect.

Disability insurance is not one-size-fits-all. Different people have different needs that must be reflected by their insurance policies. We provide disability insurance lawyer services for:

• Medical, Dental, Chiropractic and Nursing Professionals
• Professional Athletes
• IT Personnel
• Sales and Marketing Executives
• Police, Fire and Governmental Workers
• Truck Drivers
• Accident and Sickness Disability Claims
• Mental/Nervous and Self-Reported Claims
• Substance Abuse/Addiction Claims

If your disability claim does not fit into one of these categories, you may still qualify for individual or group short- or long-term disability benefits. Fill out the form on the right to get help from our experienced individual disability insurance lawyers and group ERISA attorneys at DarrasLaw.

The Advantages Of Hiring A Disability Insurance Attorney

There are many advantages to hiring an experienced national attorney that exclusively handles disability insurance and ERISA law.

If you’re preparing to buy or sign up for a group disability policy:

Don’t count on your HR department or benefits administrator to answer detailed or specific questions about your potential coverage. They’ll probably refer you back to the insurance company for answers. If you’re seeking unbiased and legally sound information, call an ERISA lawyer for the information you need.

If you’re buying an individual disability policy, you may not know what pitfalls to watch out for or even how to compare two policies in the first place. A private individual disability attorney can provide valuable insight to help you choose the right features, advantages, and benefits.

If you file a claim:

Some claim forms have deliberately confusing questions. You don’t want to give the “wrong” answer. A nationally recognized disability lawyer knows how to state accurate and complete information without jeopardizing your claim.

A disability lawyer also knows what a strong claim looks like. They can anticipate any problems that could arise and ultimately speed up the claims process, so you get your benefits sooner rather than later.

When you appeal a wrongful disability insurance denial:

When the insurance company learns that you’ve hired a long-term disability attorney, they’ll know that you’re serious. You have legal representation and intend to vigorously pursue your benefits. You aren’t about to let yourself be bullied or dragged through the claim mud.

Hiring a Lawyer for a Claim With an Individual Disability Insurance Company

You were wrongfully denied disability benefits, but your insurance company has offered you the right to appeal. What does this mean? It depends on the type of plan that covers you.

If you have an individual disability plan—that is, one that you purchased and paid for yourself—you may face more traditional litigation that may not require an administrative appeal.

You can generally file a case in court for breach of contract for a wrongful denial of individual disability benefits. There, you can call witnesses on your behalf, such as friends, family, and your treating doctors. You can submit expert witness reports. Through the discovery process, you can demand evidence from the insurance company. You may then take all of this evidence to make your case before the judge and jury, and oftentimes ask for attorney fees and emotional distress along with punishment damage.

Hiring a Lawyer for a Claim With a Group Disability Insurance Company

As mentioned above, a complex, constantly changing set of federal laws called the Employee Retirement Income Security Act (ERISA) generally governs group long-term disability policies. Many attorneys may believe that ERISA only covers retirement plans or pension issues. In reality, ERISA often covers employee benefits, including employer and group long-term disability and life insurance plans.

ERISA cases are litigated in federal district court. The court’s interpretation and application of ERISA may differ depending on your judicial district, further complicating matters.

If you have an employer-sponsored or group disability policy, ERISA preempts the rights and remedies you would have under a pure individual disability policy. Some beneficiaries do not understand why they can’t just sue after a wrongful denial of disability benefits. In fact, many attorneys don’t understand how ERISA curtails a beneficiary’s rights. These attorneys may file cases that are easily dismissed under ERISA and preclude further litigation or appeals.

What Will Hiring a Disability Insurance Lawyer Cost Me?

You’re out of work, and you were wrongfully denied disability benefits. Not to mention you probably are only receiving a fraction of your income, if anything. So how can you afford to consult a top lawyer? After all, many disability law firms will start charging you by the hour, especially in ERISA cases, just to look at your material.

Look instead for a disability litigation firm that offers completely free consultations and policy analysis, one that charges no upfront fees or costs, and that covers all litigation expenses. Furthermore, find a national, top-rated disability litigation firm that charges only a contingency fee (a percentage of your total recovery if you win your case)— including when dealing with complex ERISA cases.

The Protections of Hiring a Disability Insurance Lawyer

Another benefit of hiring a specialized lawyer is the protection that it provides you. Once you retain an attorney, your insurance company needs to contact your attorney directly for any further documentation.

Your disability attorney can collect and advise on filling out all of your forms and knows the tricky questions to look for. An experienced disability insurance lawyer or ERISA lawyer also knows your rights under ERISA. For example, if your insurance company did not provide you with the right disclosure statements before your appeal, you may be entitled to re-appeal and undertake another one with your ERISA attorney’s assistance.

Other Things to Look for in a Disability Insurance Lawyer

We’ve consistently emphasized the need for an experienced ERISA lawyer or top-rated national disability insurance lawyer, but we haven’t yet discussed what that means. Here are a few questions, the answers to which may help you select the best ERISA attorney or the top disability lawyer for you:

• Does the lawyer or firm exclusively take individual or group disability and life insurance cases? Lawyers and firms that practice other areas of law may lack the experience or knowledge that comes from a singular focus on pursuing individual or group ERISA disability claims.
• How long has the law firm practiced individual or group disability insurance law, and how many cases have they taken on? Generally, the more experience, the better.
• How much money has the lawyer or firm recovered for his or her disabled clients? This is perhaps the best metric of past success. A national disability litigation firm that has won hundreds of millions of dollars on behalf of its clients certainly has established a stronger track record than those new to the field.

These cases—whether an initial application or persuasive comprehensive administrative appeal—can be highly complex, and your attorney needs specific experience with disability claims and knowledge of ERISA and its broad implications. You should expect that the insurance company will push back against paying benefits—after all, that is how insurers save money and increase profits. You need someone on your side who will stand up to the insurance company and protect your right to the benefits you deserve under your policy. Never hesitate to be choosy when it comes to hiring a spectacular disability insurance lawyer—make sure it is an attorney who has your best interests in mind and the skills you need to prevail against your insurer during this very challenging time.

DarrasLaw Gets Results

At DarrasLaw, our staff and attorneys are passionate about helping people pursue the disability benefits that they rightfully deserve. We are a hard-working team of dedicated and results-driven individuals. This devotion is reflected in what we accomplish for our clients. Take a look at our testimonials, Avvo reviews, and Google reviews to see how we help the disabled each and every day.

Attorney Frank N. Darras and his firms have recovered almost $1 billion in denied insurance benefits. Our reputation and hard work have helped clients from coast to coast.

Some personal injury law firms will take on the occasional disability insurance case. At DarrasLaw, our practice is entirely devoted to disability insurance law. That focus allows us to pursue the best possible outcome for our clients no matter where they live. We stay on top of ERISA legislation. Even the largest disability insurance companies know us and what we stand for. Unlike many personal injury firms that serve a small geographical area, we’re a nationwide firm.

Some disability insurance companies will do just about anything to avoid paying out monthly benefits. Maybe your claim was flat-out denied. Or, perhaps you’re getting the runaround and no clear answers. When we take on your case, you can focus on your health and recovery.

If going to court is what it takes to get your benefits, we’re prepared to do so. Frank N. Darras has been honored as one of the “Top 100 Trial Lawyers” by The National Trial Lawyers. He also is the most honored and feared disability litigator in the country.

As a nationwide firm, we have resources that other firms do not. That allows us to go head-to-head with billion-dollar disability insurance companies. The insurance companies know who we are and what we stand for. Every month, our attorneys review more than 2,500 new disability insurance claims from all across America.

Speak to a Disability Insurance Lawyer Today

No matter what stage of the disability insurance claims process you’re in, hiring a top-rated disability insurance lawyer can change the outcome of your case. Whether you’re hurt and need legal advice to apply for disability benefits, were wrongfully delayed or denied your disability insurance benefits, or are seeking to litigate after an administrative group appeal, our experienced, national Disability Insurance Lawyers know how to help.

Don’t let disability benefits that are rightfully yours and for which you dearly paid sit in the pockets of the insurance companies. Contact our disability insurance attorneys to discuss your case if you suffer from any disabling condition that prevents you from working in your current occupation, including:

• Back, neck, or thoracic issues
• Cancer, chemotherapy, or radiation
• Pregnancy complications, including postpartum depression
• Heart disease, diabetes, stroke, and COPD
• Depression, PTSD, dementia, and cognitive problems
• Fibromyalgia, chronic fatigue, and migraines
• Lyme disease and other tick-borne illnesses
• Lung diseases, including asthma
• Multiple sclerosis, rheumatoid arthritis, and lupus