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New Jersey Private Disability Insurance Claims

Disability Insurance Dispute Lawyer mike Quiat hands folded Pursued Diligently by a Tough, Veteran UQUR Disability Insurance Dispute Lawyer

Private disability insurance is sold as protection in the event of long-term injury or illness. However, when the time comes to file a claim, you may need protection from your own insurance company!

The best way to get this protection is to contact an experienced Disability Insurance Dispute Lawyer practiced in insurance claims. If you are about to file a disability insurance claim, or if your claim has been stalled or rejected, contact disability attorney Mike Quiat. As a senior partner at the law firm of Uscher, Quiat, Uscher & Russo, P.C., Mike handles wrongful denial of disability claims under New Jersey disability insurance law and ERISA. He has practiced law for more than 30 years and has prevailed against many large insurance companies.

The Bigger They Are …

Not all insurance carriers provide private long-term disability insurance. This is both good and bad for the policy holders. The downside is that the near-monopoly that companies like Unum, Prudential, MetLife, Hartford, AIG, Aetna, Lincoln Financial, Guardian, Berkshire, United of Omaha, Principal, Northwestern Mutual, Cigna and others have affords them immense power to deny claims. On the positive side, Mike Quiat and his staff have fewer companies to deal with, and they are well aware of the specific tactics these companies use to deny and minimize disability claims. Mike has developed his own effective strategies for compelling disability insurers to own up to the full legal obligations they owe their policyholders.

Private Disability Insurance Claims

Long-term disability insurance is generally offered in group plans through employers like ERISA. Or they are offered through private individual policies purchased directly by individuals. Many policy holders seeking to protect their incomes in the event of medical disasters choose private plans because they typically offer better benefits than an employer-sponsored plan, or because the insured policy holders are self-employed. Others supplement ERISA with private disability insurance policies to cover as many bases as possible.

Disability insurance replaces all or part of your earnings if you become unable to work because of a disabling injury or long-term illness, regardless of whether the illness or injury is work-related. However, your disability claim runs into the best-kept dirty secret of the industry, which is that some insurers deny a large number of initial claims, whether or not they are valid.

Even if you have established a long-term disability claim and are receiving benefits, insurance companies are cash-strapped, and they are always looking for ways to generate money by buying out claims and negotiating settlements on terms beneficial to them, but not for claimants. Claimants need a knowledgeable advocate in their corner to help them through the complex details of a buyout and to make sure they get their fair share of the benefits.

It doesn’t matter whether the litigation is in Federal or State court. Mike is very familiar with all New Jersey disability insurance laws, including the “bad faith” law. Also, unlike ERISA disability claims, where claimants may have limited rights, plaintiffs in private disability cases have full legal rights, including trial by jury.

To prevail in a disability claim, you must:

  • Prove the disability which is the injury or illness from which you suffer
  • Demonstrate that the disability prevents you from performing your job

Usually, the key to proving the nature and extent of your disability and how it applies to your occupation lies in the hands of your physician. Your disability claim medical reports require special and knowledgeable attention. In addition to this, it’s vitally important to your disability claim that the initial reports you file are complete, accurate, and relevant. Don’t start off on the wrong foot in making your disability claim!

Also key to proving disability is the definition of the word in your policy. If the definition in your policy is “own occupation,” then benefits will be paid if you are disabled to the point where you cannot perform your “own occupation” (occupation-specific disability). If the definition is “any occupation,” then you will be paid if you are unable to perform “any occupation.”

Don’t Do This Alone, Contact our Disability Insurance Dispute Lawyer

Mike Quiat examines the terms and exclusions of your policy and advises on the viability of your disability claim. It may be as simple as getting a doctor to certify your disability, or there may be complex legal issues that could go either way in court. In any case, you are assured of honest legal counsel and aggressive representation by an experienced professional in just the area you need – disability insurance law.

Contact disability insurance dispute lawyer Mike Quiat at 800-797-5575 to discuss your disability claim today. He is dedicated to responsive and knowledgeable legal representation. Mike will answer your inquiry promptly and keep you informed and involved throughout the process.

Click here to view our Disability Insurance FAQs (Frequently Asked Questions)

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What Our Clients Say

  • 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

    unum disability claims
  • Mr. Quiat, and his Team were able to re-instate my disability benefits discontinued by Aetna Insurance. Mr. Quiat was always available, and responded quickly to […]

    ~ Carlos

    unum disability claims
  • Mr. Quiat . Is thorough , pleasant to work with . He exhibits complete competency of his profession . I would highly recommend him . […]

    ~ Insurance Client

    unum disability claims
  • 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 […]

    ~ Kevin

    unum disability claims
  • 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

    unum disability claims
  • HE IS THE BEST!!!! He listened very intently to me and took copious notes. At the end of my meeting with him I knew that […]

    ~ Arbitration Client

    unum disability claims
  • GREAT ADVOCATE, CARING, HIGHLY ATTENTIVE, NOT GREED DRIVEN.
    Michael Quiat handled my long term disability case and did so in a very caring manner. […]

    ~ Barbara

    unum disability claims
  • TOP OF THE LIST OF ATTORNEYS Mr. Quiat responded to all of my phone calls and emails in a timely manner. Mr. He is very […]

    ~ Insurance Client

    unum disability claims
  • SOLID EXPERTISE Solid expertise… Very responsive in client concerns\Effective advocate in handling interactions with opposing party.

    ~ Employee Benefits Client

    unum disability claims
  • THE MOST RESPONSIVE ATTORNEY Mike stands out as the most responsive attorney…He always made it as easy as possible for me to get things done, […]

    ~ Insurance Client

    unum disability claims
  • 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 […]

    ~ LTD Client

    unum disability claims
  • WE NEVER HAD TO GO TO COURT Mr. Quiat took over the case, and, due to a combination of his meticulous attention to detail in […]

    ~ Insurance Client

    unum disability claims
  • EXCELLENT!They were very professional, responsive to my questions, and successfully represented me with my claim. I would highly recommend Michael Eli Quiat and Joe Russo […]

    ~ LTD Client

    unum disability claims
  • 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 […]

    ~ Insurance Client

    unum disability claims
  • 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 […]

    ~ Insurance Client

    unum disability claims
  • 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, […]

    ~ Insurance Client

    unum disability claims
  • 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 […]

    ~ Insurance Client

    unum disability claims
  • 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

    unum disability claims
  • THE HIGHEST REGARD… Michael and his staff have always been very professional, polite, and well informed. … I have nothing but the highest regard for […]

    ~ Contracts Client

    unum disability claims
  • 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 […]

    ~ Arbitration Client

    unum disability claims
  • “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 […]

    ~ Insurance Client

    unum disability claims
unum claims New York ERISA Attorney

Professional Affiliations

  • unum disability claims
  • unum claims
  • American Bar Association
  • Avvo
  • Martindale
  • NYC Bar
  • NJSBA
  • Bergen Bar

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Proudly serving all of New York and New Jersey.