WHAT IS ERISA?
Although there are exceptions, most disability, life, health and long-term care policies, as well as pension benefits, provided by your employer are covered by the Employee Retirement Income Security Act (ERISA). This federal statute usually pre-empts state laws designed to protect consumers and creates significant (but not insurmountable) hurdles for claimants seeking benefits to which they were promised. Our lawyers know how to interpret these ERISA statutes, the applicable Department of Labor Regulations, the plan documents and the case law of the federal courts to protect your entitlement to benefits.
HOW WILL I PAY CCK TO REPRESENT ME?
We commonly offer our clients at least a couple of different fee arrangement options. Some clients chose to pay us on an hourly basis. We often handle ERISA disability, individual disability, life insurance litigation, pension and long-term care insurance cases on a contingency fee basis. This means you pay us only if we are successful in obtaining benefits for you.
WHAT DOES CCK NEED TO EVALUATE MY CASE?
We can often determine whether we can assist by speaking with you and reviewing the policy or claim denial letter. Call us or complete a contact form now. We are happy to speak with you.
I AM FILING MY OWN DISABILITY CLAIM AND I HAVE NOT BEEN DENIED. HOW CAN I GET SOME PRACTICAL ADVICE FOR DEALING WITH MY INSURANCE COMPANY?
We have prepared a free downloadable guide to point you in the right direction. If you want help, we can assist you at all stages of the insurance claim and appeal process. Call or complete a contact form now.
I AM DISABLED, NEED TO FOCUS ON MY HEALTH AND CAN’T TOLERATE DEALING WITH THE INSURANCE COMPANY. CAN CCK HELP?
Yes. As part of our service to our clients, we frequently take over as the point of contact for the insurance company and can have your insurance company direct all communication with you, through us.
MY DOCTOR SAYS THAT I AM DISABLED. SHOULDN’T THE INSURANCE COMPANY PAY ME MY LONG-TERM DISABILITY BENEFITS?
Courts have held that insurance companies don't have to give special deference to your treating doctor's opinion that you are disabled. Depending on the terms of your disability plan, your insurer may deny you without ever having you examined, based upon the opinions of doctors or nurses who reviewed your medical records. Our experienced long-term disability attorneys know the law, will determine your policy requirements and work to gather the evidence needed to support of your claim.