Massachusetts Long-Term Disability Denials Lawyer
Massachusetts Disability Insurance Claim Denied? The Appeal Deadline Will Not Wait.
When a disability insurance company denies your claim in Massachusetts, things start moving right away. The appeals process has firm deadlines, the insurer already has people assigned to your case, and most people do not fully understand how much the choices made in those first few weeks can affect what comes later. Eric Buchanan & Associates represents people with disability insurance claims nationwide, including people in Massachusetts. We handle ERISA claims, long-term disability, private disability insurance, life insurance, and health insurance disputes across the country. We know how these denials are constructed and what it takes to challenge them.
Eric Buchanan & Associates Represents People With Disability Insurance Claims Nationwide
Eric Buchanan & Associates has focused on ERISA and insurance benefit law for decades, building a practice with a national reach and a depth of expertise recognized among peers in this field. Our attorneys regularly present at national conferences and teach other lawyers the details of ERISA and disability insurance claims. People in Massachusetts who work with our firm get attorneys who have spent their careers on these cases and who have encountered nearly every strategy insurers use to deny or cut off 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 Massachusetts, 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. Massachusetts clients benefit from the firm’s robust national representation capabilities and a contingency fee structure, ensuring that individuals across the Bay State receive specialized, results-driven legal counsel focused on strategically developing the critical administrative record for maximum success.
We Help People in Massachusetts Navigate Disability Insurance Claims
Most people are surprised to learn how much hinges on what happens right after a denial. Under ERISA, which covers most employer-sponsored disability plans, the administrative appeal is the only opportunity left to build the evidentiary record a court will review. Once the final denial is issued, that record is closed and judges are generally limited to what is already in it. Our attorneys help people throughout the country, including in Massachusetts, make sure that record is built correctly before the deadline, whether the claim involves a group Long-Term Disability Insurance Claims plan, a private individual policy, a life insurance denial, or a health insurance dispute.
Why People in Massachusetts Contact Eric Buchanan & Associates
A disability insurance denial is almost never a simple mistake. These decisions are made deliberately by experienced professionals working within a system designed to protect the company’s financial interests. The insurer has legal support on its side. You need an attorney who understands how that system works and what it takes to challenge it.
Our firm’s practice centers on ERISA benefit claims, long-term disability insurance, private disability insurance, life insurance denials, health insurance claims, and long-term care benefits. This is not a sideline for us. That depth of focus means we know how major carriers evaluate claims, where they look for reasons to deny, and what separates a strong appeal from one that falls short.
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 hears appeals from federal district courts in Massachusetts. While Kaci Garrabrant is not admitted to the Massachusetts bar, she and our team are available to help people in Massachusetts with their disability insurance claims. 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 handled in federal court, so geography is rarely an obstacle.
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 Massachusetts are large national companies with significant resources behind them. Unum, Lincoln Financial, New York Life, Paul Revere, The Hartford, Cigna, Sun Life, MetLife, Prudential, and others, all operate with experienced internal claims teams whose focus is on protecting the company’s bottom line. We have litigated against these carriers and understand how they build denial files, what policy provisions they lean on, and what a strong appeal or federal court case actually requires.
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 Massachusetts Disability Insurance Claim
If your disability insurance claim has been denied, delayed, or terminated in Massachusetts, do not wait to get answers. The deadlines are strict and the decisions made early in this process carry real weight. Our attorneys will review your situation, explain your options, and give you an honest assessment of where things stand.
If an insurance company, your plan, or someone else has denied your claim, 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 Massachusetts
My claim was denied. What should I do first?
We recommend you reach out to an attorney before you file your appeal. Under ERISA, the administrative appeal is the last point at which evidence can be added to your record. After a final denial is issued, a court reviewing your case is generally restricted to what is already in that record. What gets built in now determines what options exist later.
Does ERISA apply to my Massachusetts disability claim?
If your disability coverage came through an employer-sponsored benefit plan, ERISA most likely applies. ERISA is a federal law that imposes strict procedural rules and limits remedies in ways that are very different from Massachusetts state law. An attorney can review your specific plan documents and explain which rules govern your situation.
How long do I have to appeal a denial in Massachusetts?
ERISA plans typically allow 180 days from a denial to file an administrative appeal, though your specific plan or the type of ERISA claim you have may set a shorter deadline. For private disability policies not subject to ERISA, your policy terms and Massachusetts contract law, or other applicable state law, control the timeline. These deadlines are not flexible. Do not assume you have more time than you actually do.
What does it cost to hire your firm?
In most cases we accept, we work on a contingency fee basis, meaning you typically owe no attorney fees unless we recover benefits on your behalf. We will be clear about the fee structure during your consultation.
Can your firm represent me even though you are based in Tennessee?
Yes. Attorney Kaci Garrabrant is admitted to the U.S. Court of Appeals for the First Circuit, which hears appeals from federal district courts in Massachusetts. While Kaci Garrabrant is not admitted to the Massachusetts bar, she and our team are available to help people in Massachusetts with their disability insurance claims. 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.