Long Term Disability Insurance Lawyer

When Your Long Term Disability Claim Is Denied, You Need Nationally Recognized Expertise on Your Side

Long Term Disability Insurance LawyersWhen a disabling condition forces you out of work, your Long Term Disability (LTD) insurance should be a financial lifeline. Unfortunately, for thousands of Americans every year, the process of securing these benefits becomes a new source of stress when a claim is delayed, disputed, or outright denied by the insurance company.

At Eric Buchanan & Associates, we understand the financial hardship and emotional toll a denial can cause. We are a specialized team of national long term disability insurance lawyers dedicated exclusively to fighting insurance companies on behalf of disabled individuals across the United States. For over two decades, we have focused our skills on complex LTD matters—including claims governed by ERISA and those involving bad faith insurance practices—to ensure our clients get the benefits they deserve.

Why Choose Our Nationally Recognized Disability Team?

The insurance company has lawyers who know the rules. You need a team that not only knows the rules but has a proven record of beating them and even changing the law to be more favorable for claimants.

Deep Experience and Authority in Disability Law

  • National Leaders in the Field: Our attorneys are widely recognized leaders in disability insurance law. We are frequently invited to speak and teach other lawyers at national legal conferences about the complexities of ERISA and disability insurance claims.
  • Unparalleled Focus: We are a boutique firm concentrating exclusively on disability, life, health, and long-term care insurance law. This specialized focus has allowed us to handle thousands of disability cases and develop a deep understanding of every tactic the insurance company might use.
  • Rule Changers: Our work goes beyond individual cases. We have successfully litigated landmark cases that have improved disability insurance laws nationwide, creating a stronger legal environment for all disabled claimants.

Trust and Commitment to Your Case

  • A Proven Track Record: We apply our years of experience to combat the specific strategies insurance companies use to save money, such as requesting excessive documentation, delaying decisions, or misapplying regulations.
  • Dedicated Legal Strategy: The firm is Veteran-Led, bringing a disciplined, focused, and tireless commitment to the legal fight for your benefits. We approach every case with strategic preparation.
  • No Fee Unless We Win: We are confident in our ability to take on the insurance companies. In most cases, you pay no attorney fees unless we successfully recover your benefits. We assume the financial risk so you can focus on your health.

Why Choose Us—Long Term Disability Insurance Claims Representation You Can Trust

Unparalleled, Specialized Expertise in Long-Term Disability: We are a boutique law firm that focuses exclusively on long-term disability insurance, bad faith law, and ERISA. We have successfully handled thousands of long-term disability claims against major national insurance companies, giving us a level of insight into their practices that few firms can match.

Nationally Recognized Attorneys Who Educate Our Peers: Our attorneys are seen as leaders in the complex field of long-term disability. We are frequently invited to teach other lawyers about ERISA and disability law at national conferences. When you hire us, you are retaining attorneys who are acknowledged masters of the subject matter crucial to your long-term disability claim.

Proven Success in Changing Disability Law: Our success is measurable and impactful. We haven’t just won individual long-term disability cases; we have secured landmark legal decisions that have resulted in improved disability insurance laws for claimants across the country. We don’t just practice the law; we help shape the laws governing your long-term disability benefits.

Strategically Build Your Critical Administrative Record: The most crucial stage of a long-term disability claim is the administrative appeal. We urge you to hire us before this stage because the evidence the court can review closes after a final denial. Our expertise lies in knowing exactly how to properly develop and build this administrative record—the key evidence for your long-term disability case—to give you the best chance of success in federal court.

Maintain High Ethical and Client Trust: Trust is everything, especially when your long-term financial security is at stake. Our firm holds a **Superb (10/10) rating on Avvo** and is recognized by esteemed attorney peer-review organizations like Martindale-Hubbell. These high ethical and legal ability ratings from both our clients and our peers demonstrate our professional standing and commitment to your long-term disability claim.

We Align Our Interests with Yours Through a Contingency Fee Structure: We believe in the strength of your long-term disability case and are willing to invest our resources into it. We work on a contingency basis, meaning in most cases, you pay us no attorney fees unless we successfully recover long-term disability benefits for you. We don’t get paid unless you do.

National Representation for Your Long-Term Disability Claim: While many firms are limited to practicing in a single state or district, we represent long-term disability clients all across the country, ensuring expert representation regardless of your location.

The Critical Stages of Your Long Term Disability Claim

The process of securing LTD benefits is highly technical. Hiring an attorney with specialized knowledge is often essential to building a successful case.

1. The Initial Claim Application

While many people file their initial application themselves, securing legal guidance before filing can be a critical step. We help ensure your claim is submitted with the highest quality of evidence from day one, including:

  • Thorough and accurate medical documentation that legally supports your disability.
  • Vocational evidence that aligns your medical limitations with your occupational duties.
  • Proper classification of your claim under ERISA or state law to establish the best legal grounds for your case.

2. The Appeal of a Denied Claim (The Most Crucial Stage)

If your claim has been denied, you must seek legal counsel immediately.

Under Federal ERISA law, the administrative appeal is the single most important stage. The evidence submitted during this phase forms the entire record that a court will review if litigation is necessary. If you appeal on your own, you risk missing deadlines or failing to include necessary evidence—a mistake that often cannot be fixed later.

Our team specializes in developing a comprehensive administrative record by:

  • Collaborating closely with your treating physicians to obtain precise documentation of your physical or cognitive restrictions.
  • Gathering additional vocational, neuropsychological, or surveillance evidence to counter the insurance company’s in-house reviewers.
  • Submitting a meticulous legal argument that enforces the rules and addresses every point of the denial.

3. Litigation: Taking the Fight to Court

When an insurance company remains unreasonable and upholds a denial, we are ready to litigate your long-term disability case in court. Our attorneys are skilled at navigating both federal (ERISA) and state insurance laws to hold insurers accountable for their wrongful and bad-faith practices. We will fight tirelessly to secure the maximum benefits you are owed.

Meet Attorney Eric L. Buchanan

Eric BuchananEric L. Buchanan is the President and Partner of Eric Buchanan & Associates, a recognized national authority specializing exclusively in complex long term disability insurance law. His profound expertise is built on his background as a decorated U.S. Navy officer and naval aviator, coupled with his academic success as a Magna Cum Laude graduate of Washington and Lee University School of Law. He holds the highest peer ratings, teaches other attorneys nationwide, and has achieved landmark legal decisions that improve disability laws. The firm’s commitment to their clients is reflected in its national representation capabilities and a contingency fee structure, ensuring clients across the country receive specialized, results-driven legal counsel focused on strategically developing the critical administrative record for maximum success.

Don’t Face the Insurance Company Alone. Request Your Free Consultation Today

Whether you are just starting the application process, struggling with a denial, or facing endless delays, our long-term disability insurance lawyers are here to help. Call us today at (877) 634-2506 or fill out our online form to request a confidential, no-obligation consultation.

Let our nationally recognized team apply their proven expertise to protect your rights and secure your financial future.

FAQ’s for Your Long Term Disability Insurance Lawyer

We can help you document what was responsible for the disability. Insurance companies sometimes try to avoid paying these claims by contending that your condition resulted from a previously known chronic illness.

Long term disability insurance policies differ in this regard, but we are familiar with many policies.

A long term disability lawyer can make sure that your benefits are calculated and paid correctly.

If more than one insurance company may be responsible, you need a knowledgeable long term disability lawyer to evaluate how to resolve your case.

The details of coverage for partial disability are often specified in confusing language in the fine print of your insurance policy. A long term disability insurance lawyer can help make sure that you get as much as possible under the terms of the policy.