We Appeal Disability Insurance Denials & Life Insurance Benefit Denials in IL, IN, KY, MI, NY, OH, PA, TN, WI, VT
Has an Insurance Company Denied Your Employer-Provided Disability Benefits?
Having Trouble Getting Paid your Long-Term Disability or Short Term Disability Benefits?
We are not surprised. We run into this all the time.
It’s not because of anything you have done wrong. It is because insurance companies do not play fair.
The job of the insurance companies is to insure company profits and close claims quickly. Many times they will use a “technicality” to deny your claim, regardless of how disabled you are.
This falls under the federal law called ERISA. McDonald and McDonald can help you if:
1) Your employer has provided a benefit to you that has been denied by the Insurance company
2) You have been served with an interpleader action
No Win, No Fee
Working on a contingency basis means that we would receive a percentage of the recovery from the insurance company when we win. If you received nothing, we would be entitled to no fee.
We appeal Disability Insurance Denials by:
- Met life
- Lincoln Financial
- Mutual of Omaha
- Liberty Mutual
- And More...
Where we practice
Yes, you CAN appeal your claim
We’ve been doing this a long time.
We have been practicing law since 1991, and Our law firm has been focused on ERISA disability benefit denials & life insurance claim denials since 2004. We have a successful record of winning benefit awards for our clients. We work with all our clients personally and our dedicated paralegals are available to help with any concerns.
Absolutely. Your appeal is your only chance to add information to the insurance companies’ claim file. As experienced Long Term Disability Lawyers, we can put together the right evidence to prove your disability.
We operate on a NO WIN, NO FEE policy.
your initial consultation is always free, and we work on a contingent fee basis, which means you pay no attorneys fees unless we win.
It’s now or never! Most Long-Term Disability plans give you 180 days to appeal your denial. If you do not appeal within 180 days, you lose any right to sue the Insurance Company in Federal Court.
There are 2 types of disability insurance. Short Term Disability Policy (STD) pays you a portion of your income for a short period of time after you run out of sick leave. Depending on your insurance plan, STD generally will pay you for between 9-52 weeks (or 1 year). Long Term Disability Policy (LTD) pays you a portion of your income after you run out of both sick leave and STD.
ABSOLUTELY. Experience matters much more than local office space when it comes to Long-Term Disability (LTD) & ERISA cases. This is a specialized area of law and you don’t want to hire a local attorney who thinks he/she can dabble in this area. The Insurance Company you will be fighting won’t be hiring a lawyer from your hometown either.
What is ERISA?
ERISA (Employee Retirement Income Security Act) is a federal law that governs benefits that you receive through your employer such as Long Term Disability Insurance, Short Term Disability Insurance and Life Insurance.
What You Don’t Know Can Hurt You
Do not handle your own appeal!
Whatever you do, do not handle your own appeal! There is a lot of work to do before the appeal is filed, and if you don’t do it now, you won’t have the chance to do it later. McDonald & McDonald will:
Collect new medical evidence
Get your doctor’s testimony to support your disability
Prove why you can’t perform your job or any job.
At McDonald & McDonald we have a winning tradition of getting the benefits you deserve.
Make no mistake...
The insurer’s concern is Money, not your well-Being!
Disabilities We Cover
Click each link to learn more about the specific disability.
- Addison’s Anemia
- Adrenal Gland Disorder
- Als or Amyotrophic Lateral Sclerosis or Lou Gehrig’s Disease
- Aortic Aneurysm
- Autoimmune Disease
- Autoimmune Disorder
- Autonomic Disorder
- Back Pain
- Bile Gastritis
- Bile Reflux Gastritis
- Biliary Reflux
- Brain Trauma
- Brain Tumor
- Bullous Disease
- Cardiac Ischemia
- Cervical Fusion
- Chronic Anemia
- Chronic Asthma
- Chronic Obstructive Pulmonary Disease
- Clotting Disorder
- Connective Tissue Disease
- Crohn’s Disease
- Degenerative Disc Disease
- Demyelinating Disease
- Demyelinating Disorder
- Early Onset Alzheimer’s
- Heart Attack
- Heart Disease
- Heart Transplant
- Hidradenitis Suppurativa
- Igg Deficiency
- Immunoglobulin G Deficiency
- “Joint Dysfunction”
- Joint Erosion
- Joint Replacement
- Kidney Disease
- Kidney Failure
- Lewy Body Dementia
- Liver Disease
- Lumbar Fusion
- Lumbar Pain Syndrome After Surgery
- Lung Infection
- Lung Transplant
- Major Depressive Disorder
- Meniere’s Disease
- Metastatic Disease
- Ms or Multiple Sclerosis
- Myocardial Ischemia
- Neurocardiogenic Syncope (pots)
- Peripheral Arterial Disease
- Peripheral Neuropathies
- Pernicious Anemia
- Pituitary Gland Disorder
- Pulmonary Insufficiency
- Recurrent Arrhythmia
- Retinitis Pigmentosa
- Rheumatoid Arthritis
- Sjogren’s Syndrome
- Spinal Infection
- Spinal Kyphosis
- Stiff Man Syndrome
- Ulcerative Colitis
- Uncontrolled Diabetes
- Uncontrolled Thyroid
- Vestibular Dysfunction
- Vision Loss
- Visual Field Loss
What our clients say
"It was my good fortune to have had Joe McDonald work on my behalf for my disability case. Joe took the time to understand my situation, condition, and had the courage to stand up to big insurance companies. He is one of the most intelligent and talented people that I have ever met and has a phenomenal team (Katie). He literally saved my life. Not only was Joe able to secure a victory in a virtual landmark decision, but I was fortunate to have gained a true friend through all this. You need to hire McDonald & McDonald for your disability case. Now. They are the best."
“…they came highly recommended. They kept in constant contact, kept me informed – kept in touch, and they treated me like gold…..from their staff on down, and I mean that sincerely. I would never hesitate to recommend them!”
S. Harris, Long term disability client
"They were very cordial and upfront with all information. They always kept me updated on my case, and I really appreciated that"
B. Fisher, Short term disability client
"Want someone who will take their time and listen diligently and not just rush you through? Then you need to contact Joe McDonald. Mine was a case of proving what exactly my job description was and he did that without fail against one the largest insurance company, Hartford Life. He fought my case in a timely manner and I received what was due to me. Thank You Joe McDonald.Nobody could have done a better job. Appreciate the hard work!!!!!!!!!!!!"
Sue Calhoun, Long term disability client
"Can't say enough about Mr. McDonald and his staff’s relentless effort and tenacity to fight for my disability benefits."
Sam Niswonger, Long Term Disability
Group Disability Insurance Lawyers
Experienced ERISA litigation attorneys.
Free initial consultation with an attorney.
No win, No fee. You pay no attorneys’ fees unless we win.
Winning track record helping our clients get the disability benefits they deserve.
Years of experience fighting insurance companies.
Knowledgeable and friendly paralegals.