Vermont Disability Insurance Attorney
Dedicated Solely to Disability Insurance Claims
At Dabdoub Law Firm, we devote 100% of our practice to disability insurance claims and ERISA matters. Our attorneys represent clients nationwide, including in Vermont, with complex disability insurance issues, from appeals to federal lawsuits. While these cases generally fall under federal statutes, and there is no need to hire an attorney who resides in your state, we remain up to date on Vermont disability legislation and proceedings to better serve you.
Whether you need help filing a short-term disability claim, have had your long-term disability benefits terminated, or wish to appeal a denied claim, our firm is prepared to assist you at every stage of the process. We have considerable experience working with every major U.S. disability insurance provider and have successfully recovered millions of dollars in disability benefits for our clients.
Understanding the Employee Retirement Income Security Act (ERISA)
In 1974, the federal government passed the Employee Retirement Income Security Act (ERISA) with the goal of protecting participants and beneficiaries of employer-sponsored benefits programs. ERISA governs various aspects of disability insurance, including employer obligations and participants’ responsibilities, as well as deadlines for filing appeals of denied claims.
Unfortunately, employers do not always abide by ERISA obligations. Common ERISA violations include:
- Improper denial of benefits
- Interference with employees’ rights
- Breach of fiduciary duty
If you believe your employer or its insurance company has violated your rights or has improperly denied your disability claim, you are entitled to request an appeal. If your request is denied, you can file a lawsuit against the insurance company in federal court.
It is critical that you request an appeal within 180 days. If you miss this deadline, your case will be dismissed, and you will not be able to appeal the denial of your claim or recover your rightful benefits. Additionally, once you have requested an appeal, the insurance company must also abide by ERISA specifications and deadlines.
It is important that you work with an attorney who is not only experienced in disability insurance claims but also has specific knowledge of ERISA processes. At Dabdoub Law Firm, we have spent decades handling ERISA cases, as well as numerous other disability matters. We can advise you of your legal options and advocate for you throughout the appeals and litigation processes.
How to Get Help with Your Disability Claim
Because disability insurance claims are generally governed by federal law, you are not required to work with an attorney who is physically located in Vermont. However, it can be helpful to have a lawyer who understands state-specific rules when it comes to navigating these issues. For example, Vermont has banned “discretionary clauses” in disability insurance policies. This ban ostensibly levels the playing field for claimants who wish to take their cases to court.
If you need help with any aspect of your disability insurance claim, reach out to Dabdoub Law Firm. Our attorneys can provide assistance with the following and more:
- Individual disability insurance
- Employer/group insurance disability
- Disability insurance for the self-employed
- Lump-sum settlements
- Disability appeals
We represent disabled individuals across all occupational industries and can help you regardless of the medical condition you have. We do not accept lowball settlement offers and are fully prepared to aggressively litigate your case if necessary. If appropriate, we will take your case to federal court.
When you need help filing a disability insurance claim in Vermont, or if your claim has been denied or your benefits terminated, you need a legal team you can trust. Dabdoub Law Firm has a proven record of success and a reputation for winning lawsuits on behalf of disabled individuals nationwide.