ERISA
Your benefit plan is a promise made to you, and that you may rely on for support. We’re experts in using the Employee Retirement Income Security Act to get you what you are owed.
Disability
Your disability insurance claim is crucial to your health and well-being. If your rights are being denied, we can make sure that your insurance company fulfills their promise to you.
Health
Health care is complicated and confusing. Insurance companies try to take advantage of this to deny you your claims. We won’t let that happen. Let our expertise defend your health.
Retirement
You’ve remained loyal to your company in the expectation that your company will provide for you in your golden years. Hold your employer accountable to its promise.
Life / Accidental Death
When tragedy strikes, you shouldn’t have to fight insurance companies looking for loopholes in your policy. We’ll make sure you or your beneficiaries can collect your rightful benefits.
Long-Term Care Insurance
Your claim on nursing home and home care should be honored. You shouldn’t have to worry about it. We’ll fight so you have the long-term care coverage you’ve paid for.
“I feel very fortunate to have found you, the top LTD law team in Chicago.”
“Thank you for all the work you did on my behalf to win the my LTD appeal! This time, from in-person interview to denial to appeal submission, has been challenging and you were always there. You answered my questions and concerns with expert knowledge and still with empathy. I know this experience would have 10x harder without your help. I feel very fortunate to have found you, the top LTD law team in Chicago.”
L. E. M. | Client
Understand the Law. Know Your Rights.
Behavioral health ruling supports benefit claim appeals
Litigating health benefit claim denials is extremely challenging for plaintiffs. Especially under the Employee Retirement Income Security Act — where many cases are decided under the arbitrary and capricious standard of review that upholds an insurance claim denial so...
Plaintiff loses de novo review, couldn’t prove disability argument
Mark D. DeBofsky is a name partner of DeBofsky Sherman Casciari Reynolds P.C. He handles civil and appellate litigation involving employee benefits, disability insurance and other insurance claims and coverage, and Social Security law. He can be reached at...
Why do health insurers deny claims?
When you are ill and a doctor recommends a course of treatment, you naturally assume that your health insurer will reimburse the cost. That is not always the case, though, and it is not uncommon for benefits to be denied, especially if the costs are high. Examples...