Welcome to Our FAQ Page
Here, you’ll find answers to some of the most common questions about insurance claims, benefit disputes, and how we’ve helped thousands of clients like you achieve the results they deserve. With over 25 years of experience handling complex insurance cases, we specialize in navigating the intricate and often frustrating claims process.
Whether you’re facing a denied claim, need guidance through an employee benefits dispute, or are simply looking for expert advice, we’re here to guide you every step of the way.
Q: My insurance claim was denied—what should I do?
A: Start by contacting us as soon as possible. Every case is different, and early legal guidance can make a big difference. In the meantime:
- Request a written explanation of the denial and a copy of your claim file.
- Keep all documents, even those that seem unimportant.
- Act quickly—many appeals have strict deadlines.
- Know that you’re not alone—we’re here to help you fight back.
Q: How do I find out what benefits I have?
A: Start by contacting your employer’s HR or benefits department if your coverage is through work. You should also request a copy of your insurance policy and the declarations page from your insurance company—these documents outline your coverage in detail. You’re entitled to this information, so don’t hesitate to ask.
Q: What is ERISA, and how does it affect my dispute?
A: ERISA stands for the Employee Retirement Income Security Act of 1974, a comprehensive federal law that governs most employee benefits provided through private employers. If you receive insurance or benefits through your or a family member’s job, ERISA likely applies to your claim. However, if you work for a government entity, ERISA probably does not cover your benefits. ERISA is a complex law that often overrides state laws. The legal procedures for resolving ERISA benefit disputes can be very technical—even many attorneys find them challenging. It’s crucial to understand and follow the specific process required for ERISA claims.
Q: Why do I need a lawyer with federal court experience?
A: Lawsuits involving ERISA benefit denials must be filed in federal court, and the litigation process for these types of claims is highly specialized. A lawyer with experience in federal court and ERISA cases will be familiar with the specific rules, procedures, and strategies required to effectively handle these cases, increasing your chances of a favorable outcome.
Q: What is a Summary Plan Description?
A: Under ERISA, employers must manage benefits according to a written plan, which is often complex and difficult for most people to understand. To make things clearer, ERISA requires employers to provide employees with a “summary plan description” (SPD) of their benefits. The SPD should be written in plain language and explain your benefits, as well as the procedures for filing claims, in an easily understandable way. If you don’t have an SPD for your employer-provided benefits, be sure to request one from your employer.
Q: Have you dealt with many different insurance companies?
A: Yes, we have extensive experience working with a wide range of insurance companies, including:
- AAA
- Aetna
- AIG
- Allstate
- Amica
- Anthem
- Auto Club
- Auto-Owners
- Blue Cross Blue Shield
- Bristol West
- Broadspire
- Cigna
- Cincinnati
- Citizens
- CNA
- Continental
- Dairyland
- Empire
- Encompass
- John Hancock
- Liberty Life
- Liberty Mutual
- Life Insurance Company of North America (LINA)
- Lincoln National
- Madison National
- Massachusetts Mutual
- MEEMIC
- MemberSelect
- Metropolitan Life Insurance Company (MetLife)
- MIC General
- Mutual of Omaha/United of Omaha
- National Union Fire Insurance of Pittsburgh
- Nationwide
- New York Life
- Northwestern Mutual
- Paul Revere
- Esurance
- Everest
- Farm Bureau
- Farmers
- Foremost
- Frankenmuth Mutual
- Fremont
- GEICO
- Grange
- Guardian
- Hanover
- Hartford
- Hastings Mutual
- Highmark
- Home-Owners
- Horace Mann
- Humana
- ING
- Jefferson Pilot
- Pioneer State
- Principal
- Progressive
- Provident Life
- Prudential
- QBE
- Reliance Standard Life
- Safeco
- Sedgwick
- Standard
- State Farm
- Sun Life
- Titan
- Travelers
- UniCare
- United Health Care
- Unum
- USAA
- Wolverine Mutual
- Zurich American
With experience across this broad spectrum, we are well-equipped to handle claims with various insurance providers.
Q: How can your firm help me with my insurance claim?
A: We specialize in navigating the difficult and often frustrating insurance claims process. With over 25 years of experience, we’ve developed a proven track record of overcoming insurance company roadblocks and getting claims paid. Whether you’re dealing with a denied claim or a complicated case, we analyze every detail and find the best path to success. Our goal is to minimize your stress while maximizing your benefits.
Q: How much experience do you have handling insurance claims?
A: With more than 25 years of experience, we’ve handled thousands of insurance claims across various practice areas, including life insurance, long-term disability, health insurance, and auto accidents. Our deep knowledge of the insurance industry and the tactics insurance companies use to deny claims gives us the advantage in even the most complex cases.
Q: Do you handle only insurance claims, or do you cover employee benefits as well?
A: We handle both insurance claims and employee benefits disputes. Our typical practice areas include accidental death and dismemberment (AD&D) insurance, health insurance, life insurance, long-term disability (LTD) insurance, and Social Security disability claims. Whether your issue involves an insurance company or an employee benefits provider, we can help you get the compensation you deserve.
Q: How do I get started with your firm?
A: Getting started is simple! Just give us a call to schedule an initial consultation. We’ll gather information about your claim and discuss how we can help. We make the process as easy as 1, 2, 3:
1. Call to schedule a consultation: 734-481-1000
2. Meet with our team for personalized guidance.
3. Breathe a sigh of relief as we handle the legal work for you.
Q: Why should I trust your firm to handle my claim?
A: We have helped thousands of clients successfully win their insurance claims. Our deep understanding of insurance companies’ tactics and our experience with ERISA and other benefit claims allow us to navigate even the toughest cases. We’ve won millions of dollars in benefits for our clients, and we’re driven to do the same for you. When you choose us, you’re partnering with a firm that’s dedicated to your success.