Protecting You
Every Step Of The Way

Navigating the Complexities of Disability Insurance and ERISA Law

When a medical condition prevents you from working, your focus should be on your health and your family. Unfortunately, the insurance company often has a different priority: protecting their bottom line. At Eric Buchanan & Associates, PLLC, we understand the stress and uncertainty that comes with a denied disability claim. We are a team of dedicated disability insurance attorneys who help people across the country hold insurance companies accountable and secure the benefits they were promised.

Most people do not realize that their workplace benefits are governed by a complex federal law known as ERISA. This law creates a rigorous uphill battle for claimants, often requiring specific administrative appeals before you can ever step foot in a courtroom. We specialize in these high-stakes ERISA cases, as well as private individual disability policies and Social Security Disability claims. Whether you are dealing with a “bad faith” denial from a private insurer or a technical “administrative record” issue in a group plan, we have the experience to navigate the process.

How Our Team Supports Your Fight for Benefits

We do more than just file paperwork. We take a comprehensive approach to your case by gathering the vocational evidence and medical documentation necessary to prove your inability to work. Insurance companies often rely on their own hired doctors to minimize your symptoms. We counter their tactics by working with your treating physicians to build a bulletproof record that reflects the reality of your daily limitations. We meticulously analyze your policy’s specific definitions of disability to ensure every piece of evidence aligns with the legal standards required for approval. By identifying gaps in the insurance company’s internal reviews, we proactively address their potential objections before they can be used to justify a denial. Our goal is to present a narrative so compelling that the insurer is left with no choice but to acknowledge the full extent of your claim and provide the support you are entitled to receive.

Our firm has successfully litigated against major insurance carriers like Unum, MetLife, Hartford, and Prudential. We know the strategies they use to delay or deny claims, and we know how to beat them. From the initial application to federal court litigation, we stand by you at every stage. You do not have to face the insurance giants alone. We offer the legal muscle and the compassionate guidance you need to win your fight. If your claim has been denied or your benefits have been terminated, we are ready to help you pursue the justice you deserve.

When Should You Hire a Disability Insurance Attorney?

The most critical time to hire a disability insurance attorney is before filing an appeal of a denied claim. Under most regulations, submitting the strongest possible evidence during the appeal process is essential to overturning a denial or strengthening your court case. Attempting to appeal on your own, even with medical records or doctors’ letters, is often insufficient. Our experienced attorneys know how to:

• Work with your doctors to obtain precise documentation of your disability.
• Gather additional evidence to support your claim.
• Navigate complex ERISA rules and state insurance laws.
• Challenge insurance companies that delay decisions, request excessive information, or wrongfully deny claims.

Hiring us early ensures your ERISA record—the evidence considered in court—is comprehensive and compelling, maximizing your chances of success.

At Eric Buchanan & Associates, our team has worked for years to develop our process and to discover the best ways to prove someone is disabled, to convince a disability insurance company that one suffers from a disability, and the best ways to improve the chance of winning in court.