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ERISA Disability Attorney In New Jersey Dismisses ERISA Myths

ERISA Disability Attorney In New Jersey - Doctor at work
Do not believe the myths people who know nothing about ERISA disability tell you. An ERISA disability attorney in New Jersey can attest how believing in these myths can cost you your disability benefits.

“My Diagnosis Means I’m Disabled”

Since other people have been diagnosed with the same condition as you and are capable of working, you need additional evidence supporting your disability claim, like how your condition affects your ability to work.

“Doctor’s Note Stating I Can’t Work Entitles Me To Benefits”

Your doctor’s note hardly means anything. Insurance companies (the insurer) have their own doctor(s) who will evaluate you and opine as to whether you can work. All that is required to support the insurer’s denial of your claim is their doctor opining you can work.

“If I Can’t Do My Job, I Will Get Benefits”

Inability to perform your duties does not mean you cannot perform the duties with a different company or occupation. Most disability policies define your “own occupation” as how your job is performed generally in the national economy rather than how you perform your specific job. The language is harsher when the policy changes from “own occupation” to “any occupation,” in which other jobs can be offered to you in which you can perform, as long as they pay a certain salary amount.

“The Insurance Forms Are Enough”

The insurance forms only request basic information, but lacks the supporting evidence the insurer needs to approve your disability benefits. Insurers are not there to assist you in obtaining benefits. Insurers don’t want you seeking an ERISA disability attorney in New Jersey because if you do not provide necessary information during the administrative level (initial application and appeal), you cannot introduce new evidence in an appeal to the court, losing your claim to benefits.

“I Can Get A Lawyer Later”

Group plans are governed by ERISA, which has a specific administrative review structure. You cannot introduce new evidence if you appeal the administrative denial. Court proceedings will only review the administrative record.

Seek an ERISA Disability Attorney in New Jersey Immediately

Obtaining legal assistance early in the disability claim process is key to successfully receive benefits. Our attorneys know what information is needed and how to package the information in a persuasive application or appeal. Contact an ERISA disability attorney in New Jersey with Uscher, Quiat, Uscher & Russo, P.C. at 800-797-5575.

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  • Mr. Quiat was very specific about my options, chances of a successful appeal, and the costs of same. We did discuss the possibility of taking […]

    ~ Kevin

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    ~ Insurance Client

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  • Mike took the time in our initial meeting to truly understand my situation and what I was up against. He listened to my concerns and […]

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  • As I was facing some of the most difficult times of my life with seemingly no way out, I was most fortunate to meet Michael […]

    ~ Long Term Disability Client

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    Michael Quiat handled my long term disability case and did so in a very caring manner. […]

    ~ Barbara

    unum disability claims
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    ~ Employee Benefits Client

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  • EXTRAORDINARY ATTORNEY Mike Quiat is an extraordinary attorney…His extensive experience and expertise was instrumental in obtaining and maintaining my LTD benefits… The compassion he showed […]

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  • WELL PREPARED AND PRESENTED Mr. Quiat’s appeal on my behalf was so well prepared and presented there is no doubt something like this is best […]

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  • MIKE GOT RESULTS I’ve worked with many attorneys over the course of my business career. Mr. Quiat is not only knowledgeable and capable, but also […]

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  • WE SUED AND WON… My disability insurance company stopped paying me. We sued and won and Mike got my payments reinstated… I trusted Mike completely, […]

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  • GENUINE CONCERN FOR THE CLIENT I have personally seen Mike Quiat in action on ERISA long term disability cases. Mike takes a personal interest in […]

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  • I NEVER HAD A PROBLEM… I have found him to be experienced, knowledgeable, but not over-bearing … I never had a problem getting appointments, reaching […]

    ~ Employee Benefits Client

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  • RESPECT AND COMPASSION… I was very scared, anxious, intimidated and unsure of how to handle a particular disability insurance claim with a big company.Mike immediately […]

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  • “CAN DO” ATTITUDE… When my wife and I met Mr. Quiat my life was in turmoil. Mike sat us down and very calmly listened …When […]

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