Maine Long-Term Disability Denials Lawyer
Maine Disability Insurance Claim Denied? The Deadline to Fight Back Starts Immediately.
When a disability insurance company denies your claim in Maine, the clock starts right away. The appeals process has strict deadlines, the insurer already has people working your file, and most people do not realize how much the decisions made in those first few weeks can shape everything that follows. Eric Buchanan & Associates represents people with disability insurance claims throughout the United States, including people in Maine. We handle ERISA Claims, long-term disability, private disability insurance, life insurance, and health insurance disputes nationwide. We know how these denials are built and what it takes to push back.
Eric Buchanan & Associates Represents People With Disability Insurance Claims Nationwide
Eric Buchanan & Associates has spent decades developing a national practice focused on ERISA and insurance benefit law. Our attorneys are recognized leaders in this field who regularly present at national conferences and teach other lawyers the details of disability insurance and ERISA claims. People in Maine who work with our firm get attorneys who have dedicated their careers to this area and who have encountered nearly every strategy insurers use to deny or terminate benefits.
Meet Attorney Eric L. Buchanan
Eric L. Buchanan is the President and Partner of Eric Buchanan & Associates, a recognized national authority specializing exclusively in complex ERISA and disability insurance law. Serving disabled individuals throughout Maine, Eric leverages a unique background as a decorated U.S. Navy officer and naval aviator, alongside his academic success as a Magna Cum Laude graduate of Washington and Lee University School of Law. Demonstrating his exceptional authoritativeness, he holds the highest peer ratings, teaches other attorneys nationwide, and has achieved landmark legal decisions that improve disability protections. Maine clients benefit from the firm’s robust national representation capabilities and a contingency fee structure, ensuring that individuals across the Pine Tree State receive specialized, results-driven legal counsel focused on strategically developing the critical administrative record for maximum success.
We Help People in Maine Navigate Disability Insurance Claims
Most people underestimate how much is riding on what happens immediately after a denial. Under ERISA, which governs most employer-sponsored disability plans, the administrative appeal is the last real opportunity to build the evidentiary record before a court reviews your case. Once a final denial is issued, judges are generally confined to that record. Our attorneys work with people across the country, including in Maine, to make sure the right evidence is in place before that deadline, whether the claim involves a group long-term disability plan, a private individual policy, a life insurance denial, or a health insurance claim.
Why People in Maine Contact Eric Buchanan & Associates
Disability insurance denials are not random. They are deliberate decisions made by experienced claims teams with legal support behind them. The insurer on the other side of your case knows the rules. Your representation should too.
Our firm handles ERISA benefit claims, Long-Term Disability Insurance Claims, private disability insurance, life insurance denials, health insurance claims, and long-term care benefits. We are not a general practice firm that occasionally takes insurance cases. This is what we do, which means we understand how major carriers build their denials, where they cut corners, and what a well-prepared challenge actually requires.
Eric Buchanan & Associates is based in Tennessee and represents people throughout the United States. Attorney Kaci Garrabrant is admitted to the U.S. Court of Appeals for the First Circuit, which is the federal appeals court that hears appeals from federal courts in Maine, while not admitted to the Maine Bar, she is part of the EBA team available to help clients in that region. Where needed, the firm works alongside local counsel or follows applicable local rules to ensure our representation follows applicable professional rules. Most ERISA matters are litigated in federal court, so distance is rarely a barrier to effective representation.
In most cases we accept, there is no fee unless we win. If we do not recover benefits for you, you typically owe us nothing in attorney fees.
Experience Handling Disability Insurance Appeals Against Major Carriers
The insurers denying claims in Maine are large national operations. Unum, Lincoln Financial, The Hartford, Cigna, Sun Life, MetLife, and Prudential all operate with experienced internal claims teams whose job is to limit what gets paid out. We have litigated against these carriers and understand how they structure denials, what policy provisions they rely on, and what it takes to build a case strong enough to challenge them.
If your insurer is not on that list, that does not change anything. We handle disability and insurance benefit claims against any carrier.
See Why Clients Choose Eric Buchanan & Associates
Talk With Eric Buchanan & Associates About Your Maine Disability Insurance Claim
If your disability insurance claim has been denied, delayed, or terminated in Maine, do not wait to get answers. The deadlines are strict and the early decisions carry real weight. Our attorneys will review your situation, walk you through your options, and give you an honest assessment of where things stand.
Contact our disability attorneys today to see if you qualify for a free consultation.
Call (877) 634-2506.
Frequently Asked Questions About Disability Insurance Claims in Maine
My claim was denied. What should I do first?
Contact an attorney before filing your appeal. Under ERISA, the administrative appeal is the last stage at which new evidence can be added to your record. After a final denial, courts are generally limited to what is already there. What gets built into the record before the deadline has a direct impact on what a court can consider later.
Does ERISA apply to my Maine disability claim?
If your disability coverage came through an employer-sponsored benefit plan, ERISA very likely applies. ERISA is a federal law that sets strict procedural requirements and limits available remedies in ways that differ significantly from Maine state law. An attorney can review your plan documents and explain exactly which framework governs your situation.
How long do I have to appeal a denial in Maine?
ERISA plans typically allow 180 days from a denial to file an administrative appeal, though your specific plan may set a shorter deadline. For private disability policies not subject to ERISA, your policy language and Maine contract law control the timeline. These deadlines are strictly enforced. Do not wait to find out how much time you have.
What does it cost to hire your firm?
In most cases we accept, we work on a contingency fee basis. You typically owe no attorney fees unless we recover benefits on your behalf. We will explain the fee arrangement clearly during your consultation.
Can your firm represent me even though you are based in Tennessee?
Yes. Attorney Kaci Garrabrant is admitted to the First Circuit Court of Appeals, which hears appeals from defray courts in Maine, and is part of the EBA team available to help clients in that region. Where needed, the firm works with local counsel or follows applicable local rules to ensure our representation follows applicable professional rules.
This page is provided for informational purposes only and does not constitute legal advice. Outcomes in disability insurance matters depend on the specific facts, policy documents, and applicable law.