Your Insurance Company Stopped Your Benefits. We Make Them Pay What They Owe.
ERISA denials, bad faith terminations, and federal litigation against the insurers who broke their promise.
Long-term disability insurance is supposed to protect you when a serious illness or injury prevents you from working. You paid your premiums. You filed your claim. And the insurance company said no anyway, or they approved it, then terminated it months later after a surveillance investigation or a paper review by a doctor who never examined you. This is not an accident. It is a business strategy.
Insurance companies that deny or terminate disability claims in bad faith are breaking the law. Bad faith practices include: using policy language selectively to exclude conditions that clearly qualify, hiring their own medical reviewers to contradict your treating physician, conducting covert surveillance and misrepresenting what it shows, and imposing arbitrary deadlines designed to pressure claimants into giving up or accepting a lowball settlement.
Many long-term disability policies are governed by ERISA, the Employee Retirement Income Security Act, a complex area of federal law that severely limits the damages you can recover and the way your claim is adjudicated. ERISA cases require specialized knowledge of federal practice, administrative exhaustion requirements, and the specific standards of review that apply to ERISA plan administrators. William Herren has this experience.
Herren Law handles LTD claims from initial denial through internal administrative appeals, federal litigation, and negotiated settlements. The contingency fee applies here as it does everywhere else: you owe nothing unless we recover benefits for you. Call 1-800-529-7707 or (713) 682-8194 for a free review of your policy and your denial letter.
We hold insurers to the policies they sold.
Employees with group LTD policies
Most workplace LTD plans are governed by ERISA. We know how to build the administrative record federal courts demand.
Holders of private LTD policies
Privately purchased policies are governed by Texas insurance law and offer different remedies. We pursue them fully.
Claimants who have been surveilled
Insurers use video surveillance to find seconds of footage that look inconsistent. We confront and defuse these tactics.
People cut off after the change of definition
Many policies switch from your own occupation to any occupation at 24 months. That is when many wrongful terminations happen.
Clients facing an internal appeal deadline
ERISA gives you 180 days. Missing it usually ends your case. Call now if a denial letter arrived recently.
Clients ready to litigate
When the insurer still refuses after a strong appeal, we are ready for federal court.
From policy review to federal litigation.
Policy Review
We read the policy and the denial letter, line by line.
Build the Record
We assemble medical evidence and expert opinions.
Administrative Appeal
We file a strong appeal within the deadline. This is your record.
Litigation or Settlement
If the insurer still refuses, we take them to federal court. No fee unless we recover for you.
You owe nothing unless we win your case.
ERISA Changes Everything, Act Before the Window Closes.
If your policy came through your employer, ERISA almost certainly applies. ERISA cases have unforgiving deadlines and a closed record. The administrative appeal you file with the insurer is usually the only chance to add evidence before a federal judge ever sees the case, and the deadline can be as short as 180 days from your denial letter.
That is why getting a lawyer involved early matters so much. We build the medical record the insurer should have built. We bring in the right specialist opinions, vocational evidence, and functional capacity testing. We hold the insurer to its own policy language and federal regulations.
If a denial or termination letter has arrived recently, do not wait to see what happens. The clock is running, and what you submit during the administrative appeal will likely be the entire record a court can consider. Call Herren Law today.
