Understanding Disability Insurance
Disability insurance provides financial assistance when an illness or injury prevents you from working. There are two primary types of disability insurance:
Typically covers a portion of your salary for a limited time, often between 3 to 12 months.
Provides benefits beyond the short-term period, sometimes until retirement age, depending on the policy.
Many disability policies are governed by ERISA (Employee Retirement Income Security Act), a federal law that sets strict guidelines on how disability claims must be handled. Unfortunately, these regulations often favor insurance companies, making it essential to have an experienced ERISA attorney on your side.
At Reynolds&, we handle all aspects of disability insurance claims in Chicago, including:
Long-Term Disability Claims
Insurance providers frequently deny long-term disability (LTD) claims by arguing that a condition is not severe enough or that the policyholder can still work. We gather medical evidence, expert testimony, and legal arguments to strengthen your claim and challenge denials.
Short-Term Disability Claims
Even short-term disability (STD) claims can be wrongfully denied or delayed. We help clients navigate the appeals process and ensure they receive timely payments.
Union Disability Appeals
Union disability claims often involve unique procedures, collective bargaining agreements, and benefit plans separate from traditional ERISA-governed policies. If your union disability pension claim is denied, we help navigate the appeal process and represent you in pursuing the benefits you've earned. Our team understands the complexities of union-sponsored plans and how to challenge unfair denials effectively.
Pension Disability Appeals
Pension-based disability benefits—especially those tied to public, municipal, or private employer pension systems—have strict eligibility rules and appeal procedures. Whether your disability pension was denied or prematurely terminated, we help you present a strong case backed by medical and employment evidence to fight for your retirement benefits and long-term security.
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Why Choose Reynolds& in Chicago?
We Know ERISA Inside and Out
Our focus on ERISA and employee benefits law allows us to bring extensive experience to complex disability insurance claims.
We Fight Back Against Insurance Tactics
Insurers use delay tactics and loopholes to avoid paying claims. We hold them accountable.
We Offer Transparent, Predictable Pricing
Flat fees for appeals and contingency-based litigation mean no surprises.
We Take a Personalized Approach
Every case is unique, and we tailor our legal strategies to meet your specific needs.
If your disability insurance claim has been denied or delayed, don’t wait. The appeals process is time-sensitive, and missing deadlines can cost you your benefits.