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Non-ERISA Long-Term Disability Claims

New Jersey Long-Term Disability Lawyer

Not all insurance policies are governed by ERISA.  Most private policies that were purchased by professionals such as doctors, lawyer, and accountants are individual policies which are governed by state laws.  If you have a private, individual long term disability policy we invite you to contact the New Jersey long-term disability attorney at our firm to discuss your legal options. 

At The Bernstein Law Offices, our staff is devoted to helping the disabled secure the benefits to which they are entitled. We have helped our clients recover millions of dollars in disability benefits over the many years that we have been in practice. We focus our practice on disability law and have extensive experience and knowledge in this field.

If you purchased your own long-term disability policy outside of your employer or if you are self-employed, your policy is most likely governed by the state law in which you reside. This means that if a lawsuit is filed, it can be filed in state court unlike ERISA claims where you file a lawsuit in federal court.  State courts can be more friendly to plaintiffs and generally allow broader discovery . In a non-ERISA claim, you are afforded the full discovery process and are entitled to a trial before a judge or jury.

The Claims Process

Each long term disability policy is unique in the way it is written. Each insurance carrier utilizes different language and policy terms which an experienced long term disability lawyer can help you understand.  When you work with the New Jersey long-term disability lawyer at our firm, your policy will be thoroughly reviewed. We will help you make sure your claim is properly documented with supporting medical and vocational evidence. Once your claim is submitted, we will follow up with the carrier to make sure that there are not any unecessary delays. 

If after exhausting the administrative review process your claim is denied, we will pursue a claim in state court.  We have a proven track record against big insurance companies and will prosecute your claim to the fullest extent so that you are afforded your best chance to get your disability benefits. 

Contact the New Jersey Long-Term Disability Attorney at our offices today if you need assistance with an individual long-term disability claim that was not purchased by an employer.

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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