Get Disability Compensation with an ERISA Lawyer in Cincinnati

The ERISA plan can be referred to as several different things, such as “the policy,” “the long-term disability policy,” or “the LTD policy,” refers to a specific document that is held by the employer and/or plan administrator. It is an official document that covers everything from who in your company is covered for the benefit, to how much you can expect to receive and for how long, to the specific definitions of disability and other important terminology, to how to appeal, and other very important information. The plan or policy is the governing document that directs how the insurance company and/or your employer is to handle your claim for disability benefits.

ERISA was put in place with the intention of protecting the interests of employees and their families with regard to their pensions, disability insurance plans, healthcare, and other group benefit packages. While it does set forth certain rights of employees, such as access to certain documentation held by the insurance company or decision maker, it also severely restricts an employee’s ability to pursue certain actions against the insurance company for improper denials of short-term and long-term disability claims.

ERISA law states that an insurance company has 45 days after you submit your application to issue its decision on your claim for disability benefits. However, the insurance company is permitted to take up to two 30-day extensions if it cannot make the decision within the initial 45-day period. 

If you are denied, an appeal must be filed within 180 days of the denial, and the insurance company has 45 days to issue its decision after the appeal is received. The insurance company is permitted an additional 45-day extension if special circumstances exist that would require extra time to make its decision. If you are again denied and submit a second appeal (if allowed or required), the same timeframe applies to the second appeal. 

If you have to file a lawsuit, it will likely take several months to over a year for your case to reach a final decision by the judge.

If you or another Cincinnati resident is disabled and looking to claim disability benefits, call Scott Kolligian. We will be more than happy to help you in any way we can. 

We serve all neighborhoods and zip codes in Cincinnati:

Downtown, Mount Adams, Over-the-Rhine, Pendleton, Queensgate, West End, California, Columbia-Tusculum, East End, East Walnut Hills, Evanston, Hyde Park, Kennedy Heights, Linwood, Madisonville, Mount Lookout, Mount Washington, Oakley, Pleasant Ridge, East Price Hill, East Westwood, English Woods, Lower Price Hill, Millvale, North Fairmount, Riverside, Sayler Park, Sedamsville, South Cumminsville, South Fairmount, The Villages of Roll Hill, West Price Hills, Westwood, Avondale, Bond Hill, Carthage, Corryville, Hartwell, Mount Auburn, North Avondale, Paddock Hills, Roselawn, Walnut Hills, Camp Washington, Clifton, College Hill, CUF, The Heights, Mount Airy, Northside, Spring Grove Village, Winton Hills  

45001, 45002, 45003, 45005, 45011, 45013, 45014, 45015, 45030, 45032, 45033, 45034, 45036, 45039,45040, 45041, 45042,45044, 45050, 45051, 45052, 45053, 45054, 45056,45062, 45064, 45065,45066, 45067, 45068, 45069, 45101, 45102, 45103, 45106, 45111, 45112, 45115, 45118, 45120, 45121, 45122, 45130, 45131, 45140, 45145, 45147, 45150, 45152, 45153, 45154, 45156, 45157, 45158, 45160, 45162, 45167, 45168, 45171, 45174, 45176, 45202, 45203, 45204, 45205, 45206, 45207, 45208, 45209, 45211, 45212, 45213, 45214, 45215, 45216, 45217, 45218, 45219, 45220, 45223, 45224, 45225, 45226, 45227, 45229, 45230, 45231, 45232,  45233, 45236, 45237, 45238, 45239, 45240, 45241, 45242, 45243, 45244, 45245, 45246, 45247, 45248, 45249, 45251, 45252, 45255.

As a public employee who served the state of Ohio, you deserve to receive the disability claims you are eligible for. 

However, we know how difficult and time-consuming it can be to wade through all the red tape it takes to claim your benefits. 

That is where Scott Kolligian Esq. comes in. We understand how complicated navigating the legal processes can be. 

We will take care of all the complicated paperwork and processes for you so you can claim your benefits as quickly and simply as possible.

Our goal is to get you back to enjoying the sights and sounds of the city as soon as possible. After all, Cincinnati has some great things to do and see, including: 

• Cincinnati Zoo and Botanical Garden 
• Great American Ball Park 
• Cincinnati Art Museum 
• American Sign Museum 
• Smale Riverfront Park 
• National Underground Railroad Freedom Center 
• Roebling Suspension Bridge 
• Carew Tower 
• Krohn Conservatory 
• Cincinnati Museum Center 
• And lots more tours, museums, and activities! 

Mathias Denman, Colonel Robert Patterson, and Israel Ludlow settled the spot that would later become Cincinnati in 1788. They originally called it “Losantiville,” but later changed the name to “Cincinnati.” During the slave era, Cincinnati was a prominent destination for escaping slaves because of its location on the border between slave-holding Kentucky and free Ohio. 

Today, Cincinnati covers almost 80 square miles of land and has a population of 309,317 people. It holds numerous landmarks, historic sites, and attractions of all kinds. 

Here are some quotes from the Cincinnati homepage describing the city: 

“Cincinnati is a city of 52 neighborhoods, where everyone can find a home.”

“Explore miles of nature trails, connect with your neighbors, or gaze at the stars. You can find it all in Cincinnati.”

“Music, theater, sculpture, painting, public murals – it’s all right here.”

“Cincinnati is committed to safe communities through numerous initiatives and programs.”

We hope Cincinnati continues to grow and thrive for years to come!

We look forward to hearing from you! 

We serve most of Ohio with our ERISA disability services including:

• Akron
• Canton
• Cincinnati
• Cleveland
• Columbus
• Dayton
• Toledo
• Youngstown
• And much more!

If you aren’t sure if we serve your area, please Call Us to talk to us and find out!