Why You Should Hire an ERISA Disability Attorney

Learn why hiring an experienced ERISA disability attorney is critical to winning Long-Term Disability claims and how Cavey Law fights insurance companies for your benefits.

If your Long-Term Disability (LTD) claim has been denied or delayed, you may feel frustrated and overwhelmed. Disability insurance should protect you when you can’t work, but if your policy is governed by ERISA – the Employee Retirement Income Security Act – the process is stacked in favor of insurance companies. 

That’s why hiring an experienced ERISA attorney is one of the most important steps you can take to protect your benefits.

ERISA Is Complicated

ERISA disability claims are not like regular insurance claims. The law sets strict rules and deadlines, and it limits what evidence can be used if you have to go to court. 

A simple mistake – like missing a deadline or failing to submit key medical evidence – can destroy your case. An ERISA attorney understands these rules and knows how to navigate them.

Insurance Companies Have the Advantage

Insurance companies know ERISA law inside and out. They use it to deny or limit valid claims. Without representation, you are at a disadvantage. An ERISA lawyer levels the playing field by:

• Reviewing your disability policy to uncover hidden exclusions and definitions.
• Collecting the strongest medical and vocational evidence before deadlines expire.
• Building a comprehensive administrative record, which is the foundation of your case if it goes to court.
• Holding the insurance company accountable for unfair denials and bad-faith practices.

Why You Can’t Wait to Get Legal Help

One of the biggest mistakes people make is waiting until their claim reaches federal court to call an attorney. By then, it may be too late to add evidence. 

With ERISA claims, the record closes after the appeal stage. That means if you don’t hire a lawyer early, you could lose the chance to fully prove your case.

The second biggest mistake you can make is hiring an attorney who doesn’t have experience with ERISA. ERISA has strict deadlines which, if missed, could ruin your rights to your benefits.

How an ERISA Attorney Helps You

At Cavey Law, we use our deep knowledge of ERISA to fight for clients at every stage:

• Before denial – guiding you through filing your initial claim correctly.
• After denial – preparing a strong appeal with complete medical evidence.
• In federal court – presenting your case to a judge if the insurance company still refuses to pay.

We don’t just fill out forms – we build strategies designed to protect your rights and maximize your chance of success.

Compassion Meets Expertise

What sets Cavey Law apart is that we combine technical knowledge of ERISA with compassion for our clients. We know what disability feels like, because both Attorney Cavey and Attorney Monaco have lived it with their own families. We understand not just the legal battle, but the human struggle. That perspective drives us to fight harder.

Don’t Face ERISA Alone

If your disability benefits are at risk, don’t go up against the insurance company by yourself. ERISA is complex, the stakes are high, and the process is unforgiving. Hiring an experienced ERISA disability attorney gives you the best chance to win the benefits you’ve earned.

At Cavey Law, we are relentless advocates for our clients – turning tough times into triumphs.