New Jersey Long-Term Disability Denials Lawyer
New Jersey Disability Insurance Claim Denied? The Appeal Window Is Already Closing.
When a disability insurance company denies your claim, the clock starts immediately. The appeals process has strict deadlines, the insurer already has people working your file, and most people have no idea how much the next few weeks matter. Eric Buchanan & Associates represents people with disability insurance claims across the United States. Our national practice covers ERISA claims, long-term disability, private disability insurance, life insurance, and health insurance disputes. We know how these denials are built and what it takes to fight back. We work with people in New Jersey and throughout the country.
Eric Buchanan & Associates Represents People With Disability Insurance Claims Nationwide
Eric Buchanan & Associates has spent decades representing people across the country in ERISA and insurance benefit disputes. Our attorneys regularly teach other lawyers at national conferences on ERISA and disability insurance law. That depth of experience and peer recognition means people in New Jersey who work with our firm get attorneys who have seen nearly every denial strategy insurers use and have spent careers learning how to counter them.
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 New Jersey, 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. New Jersey clients benefit from the firm’s robust national representation capabilities and a contingency fee structure, ensuring that individuals across the Garden State receive specialized, results-driven legal counsel focused on strategically developing the critical administrative record for maximum success.
We Help People in New Jersey Navigate Disability Insurance Claims
Most people do not realize how much is at stake in the weeks immediately following a denial. Under ERISA, which governs most employer-sponsored disability plans, the administrative appeal is your last real opportunity to build the evidentiary record that goes to court. What you include, and what you leave out, can determine the outcome of your entire case. Our attorneys work with people all over the country, including in New Jersey, to make sure that record is built correctly from the start, whether the claim involves a group long-term disability insurance claims plan, a private individual policy, a life insurance denial, or a health insurance claim.
Why People in New Jersey Contact Eric Buchanan & Associates
Insurance companies that deny disability claims are rarely making innocent mistakes. These are calculated decisions backed by experienced legal teams who know the rules inside and out. You need representation that meets that level of preparation.
Our firm handles ERISA disability claims, long-term disability insurance, private disability insurance, life insurance denials, health insurance claims, and long-term care benefits. That focused practice means we are not learning your case type as we go. We bring genuine familiarity with how major insurers evaluate claims, where they cut corners, and what an effective challenge actually requires.
Eric Buchanan & Associates is based in Tennessee and represents people across the country. Our Vice President and Senior Partner, Audrey Dolmovich is admitted to the U.S. Court of Appeals for the Third Circuit, (The Court of Appeals covers appeals from federal courts in several states including New Jersey; while not admitted in New Jersey, our attorneys can work with local attorneys or otherwise follow the rules to help people all over the United States. In most ERISA matters, cases are litigated in federal court, which means distance is rarely a barrier to getting the right team on your side.
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 New Jersey are not small operations. Unum, Lincoln Financial, The Hartford, Cigna, Sun Life, MetLife, and Prudential all operate with experienced internal claims teams whose job is to protect the company’s bottom line. We have litigated against carriers like these for decades and understand how they build their files, what policy language they rely 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 New Jersey Disability Insurance Claim
If your disability insurance claim has been denied, delayed, or terminated in New Jersey, do not wait to get help. The deadlines are real and the decisions you make early in this process carry serious weight. Our attorneys will review your situation, explain your options, and give you an honest picture 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 New Jersey
My claim was denied. What should I do first?
Contact an attorney before you file your appeal. Under ERISA, the administrative appeal is the last point at which you can add evidence to your record. Once a final denial is issued, courts are generally limited to the evidence already in that record. What gets built in before the deadline has an enormous impact on what happens later.
Does ERISA apply to my New Jersey disability claim?
If your disability coverage came through an employer-sponsored benefit plan, there is a strong chance ERISA applies. ERISA is a federal law that sets strict procedural rules and limits available remedies in ways that differ significantly from state law claims. An attorney can review your plan documents and tell you exactly what framework governs your situation.
How long do I have to appeal a denial in New Jersey?
ERISA plans typically allow 180 days from a denial to file an administrative appeal, though your specific plan may set a shorter window. For private disability policies not governed by ERISA, your policy terms and New Jersey contract law control the timeline. These deadlines are strictly enforced. Do not assume you have more time than you do.
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 be straightforward with you about the fee structure during your consultation.
Can your firm represent me even though you are based in Tennessee?
When needed, the firm works with local counsel or follows applicable local rules to make sure representation complies with the 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.