Disability Insurance Claims

The American Employee is Being Screwed by Employers who Buy Sham Group Disability Policies and Robbery Without a Gun Proves it.

This new book, by Virginia Disability Insurance attorney Ben Glass rocks the disability insurance world.

How' this for fair?

The insurance companies sell group policies that some courts have said provide little or no coverage.

Congress passes ERISA to 'protect' employees pensions but in doing so unwittingly gives the disability insurance companies a free pass to play the game on a field that is not level.

Then, when claims are denied the insurance companies blame the employers for buying crappy policies.

What a Scam!

Ben Glass exposes the scam in Robbery Without a Gun. It's $19.95 (plus postage).

The book should be read by:

Any employer who thinks he/she is providing real disability coverage to the employees;

Any doctor who treats patients who are making long term disability claims.

Any claimant BEFORE they make a claim.

Order your copy of Robbery Without a Gun by clicking on this link.

Denial of Long Term Insurance Disability Benefits For Doctors, Dentists, Lawyers, and Other Executives

Your employer's group long-term disability policy may be the greatest rip-off in the history of the American employee! Unsuspecting employers have been conned into buying policies that some courts have said will only pay benefits if you are in a coma. Get my book by filling out the form on the right.

(1) Ben Glass can help you if you are thinking about going out on disability, and need advice. Consults are done on an hourly basis and the fee is $500.00 per hour. You should first read Robbery Without a Gun, Why Your Employer's Long-Term Disability Policy May be a Sham. You can get the book (free to Virginia Residents) by filling out the form to the right.

(2) For those who's benefits have been denied or terminated, Ben limits his practice to those who are due monthly benefits of $5,000 or more. Generally, this includes doctors and other health care professionals, lawyers and business executives.

Sorry, but the explosion of these cases has caused Ben to be more selective in the cases he accepts.  Again, even if you are not entitled to benefits of more than $5,000, you should read "Robbery" and perhaps contact another ERISA-experienced long-term disability attorney.

Group long-term disability insurance polices are one of the biggest scams in America. Claims for non-payment of insurance benefits are exploding as insurance companies try to cut every bill that they can. What they save by denying you benefits for hundreds of dollars turns into millions of dollars when they do it to every claimant.

Disability insurance companies are finding that policies that they wrote years ago, promising to take care of you if you couldn't do your job, are becoming very expensive for them. We have handled, and are handling, many claims against Unum Provident, CNA, Hartford, Prudential, and many other insurance companies.

We represent claimants in disputes involving:

• denial of benefits under private (non-ERISA) insurance polices
• denial of benefits under long term disability policies, both ERISA and non-ERISA

Some of the Rules the Insurance Companies are SUPPOSED to follow in ERISA disability cases are here.

When Should I Get Legal Advice Regarding My Disability Claim?

Although it may sound self-serving for us to say this, you definitely need an attorney at the earliest possible time to help you with your long-term disability case. You should consult with an attorney experienced in ERISA long-term disability claims before you file a claim. Too often we are contacted by people who have filed claims and exhausted their administrative appeal rights . If you must later file suite, a court is only going to review what is in the insurance company's file and in EVERY case we have in which the client has applied for benefits and done the appeal himself, the record that the court will review lacks important information and documents that could have been provided. Remember, the insurance company KNOWS that your review in court is limited. Do you think that the insurance company is going to fill the record with information favorable to you? We have never seen that happen!

Your attorney should be experienced in litigating disability income insurance claims and, if you insurance is through your employer, that attorney should understand how ERISA impacts the case. Ask the right questions. Attorneys cannot “dabble” in ERISA!

If you have been denied long term disability benefits, we will review that denial letter for no charge and suggest and an appropriate course of action. We have a variety of fee programs available.

We want you to know your rights and understand the insurance company tactics.

Ben Glass' Book Will Show You

• How the way you fill our your claim form can wreck you case;
• How doing the appeal yourself can give the insurance comnpany an excuse to deny your claim;
• Why a Federal Judge said that claimants without an experienced ERISA disability attorney are at a 'distinct disadvantage' when appealing their claim denial.
• What you must have in your hand before you file your claim if you want to have any hope of getting paid;
• How to find a board certified lawyer;
• How one former insurance company employee describes the claim denial process inside one of the world's largest disability insurance companies (you will be shocked);
• How the insurance companies use video and other secret surveillance to try to deny you benefits;
• How one company used an errant check mark on a physician's form to deny benefits (and what we did about it to get benefits restored!)

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Library for Disability Insurance Claims:

• Video Surveillance Sinks Claim [PDF]   
• CYNTHIA JAGIELSKI v. MetLIfe Insurance Company [PDF]   
• Cardiogenic Syncope LTD Case   
  Description: Disability Claim--cardiogenic syncope
• MetLife and the Mentally Ill [PDF]   
  Description: A Federal Judge in Michigan takes MetLife to task for it's handling of a claim based on mental illness...at one point calling some MetLife employees, "henchmen."
• What a Federal Judge Said About ERISA Disability   
  Description: Fairfax, Virginia disability attorney Ben Glass offers a free book to disability claimants in Virginia.
• MS Victim Benefits Restored