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Get Disability Compensation with an ERISA Lawyer in Cleveland

Insurance companies work hard to prevent disability payouts. We help people in Cleveland leverage ERISA law to overcome insurer misconduct and secure the benefits they deserve.

Request Free Consultationsee practice areas

Get Disability Compensation with an ERISA Lawyer in Cleveland


Insurance companies work hard to prevent disability payouts. We help people in Cleveland leverage ERISA law to overcome insurer misconduct and secure the benefits they deserve.

Request Free Consultationdownload free guide

ERISA Law is Complicated. Know Your Rights.

IF you or someone you know in Cleveland is

older woman concerned about future

Unable to Work due to injury, illness, or permanent disability

Nearly 25 percent of working Americans will be faced with a disability before they reach retirement age.


Covered by an Employee-Sponsored Insurance and Benefits Package

Approximately 54 percent of America’s workers earn retirement benefits on the job, and 59 percent earn health benefits.


Trusting the Insurance Company will Provide Proper Disability Benefits

ERISA protects workers retirement savings from misconduct because many insurance companies try to avoid disability payouts to their customers. You need an ERISA lawyer to defend your rights.

As an ERISA attorney serving Cleveland, we can help.

Click below to request your free ERISA disability claim consultation. You pay nothing unless we help you obtain benefits. That’s our promise.

Obtain the ERISA Disability Benefits You Deserve

defeat insurer misconduct with a long term disability lawyer in Cleveland, OH

As a former employee you’re entitled to benefits in times like these. But many times those responsible for providing these services are concerned about keeping more for themselves, then giving you what you deserve. 

In 1974, the U.S. Department of Labor passed the Employee Retirement Income Security Act (ERISA) to protect benefit plan participants from corporate misconduct and abuse. But insurance companies still work hard to avoid disability payouts. Something they’re required to do by law.

If you live in the greater Cleveland area and you’re out of work due to a health issue, and received disability insurance through your employer, then your insurance company is legally responsible to provide assistance. An experienced ERISA attorney who knows the landscape, can help you stand up to the insurance company so you get the benefits you deserve.

“I can’t say enough about Scott and Michelle. Scott is incredibly hands on and takes true pride in winning disability cases for his clients.”


Hi, I’m Scott Kolligian

My team is here to help

I know how daunting and burdensome the disability claims process can be. I also know how hard it is to find an attorney in Cleveland who understands ERISA’s inner workings.

The law is complicated, and your insurance company will leverage it to keep their pockets full.

What you do now matters. Whether you’re just starting the process or are actively pursuing litigation, we can help you maximize your disability payout so that you can re-establish yourself as a reliable provider for your family.

Frequently Asked Questions

about erisa disability

What is ERISA?

ERISA stands for the Employee Retirement Income Security Act of 1974. It is a federal law that governs certain employer-sponsored benefit plans. These plans usually cover retirement (i.e. 401(k), health insurance, and disability (short-term and long-term disability insurance) benefits provided by your employer. ERISA outlines several strict requirements and deadlines that govern an employee’s application for benefits, submitting appeals on disapproved claims, and how someone can litigate his or her claim in court.

What is an ERISA plan?

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 covers benefit plans provided by nearly every employer in the private sector. Certain benefit plans are excluded from ERISA, including benefits issued by government employers, benefits issued by churches or other religious organizations, and insurance policies that you purchase on your own. There are other exemptions from ERISA, but these are a few of the most common.


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.

What Parts of Cleveland do you serve with ERISA Disability?

If you or someone you know needs assistance claiming disability benefits from the state of Ohio, give Scott Kolligian a call! We are open for all those living in Cleveland neighborhoods and  zip codes:  

Bellaire-Puritas, Broadway-Slavic Village, Brooklyn Centre, Buckey-Shaker, Buckeye-Woodhill, Central, Clark-Fulton, Collinwood-Nottingham, Cudell, Cuyahoga Valley, Detroit-Shoreway, Downtown, Edgewater, Euclid-Green, Fairfax, Glenville, Goodrich-Kirtland Park, Hopkins, Hough, Jefferson, Kamm’s Corners, Kinsman, Lee-Harvard, Lee-Seville, Mount Pleasant, North Shore Collinwood, Ohio City, Old Brooklyn, St. Clair-Superior, Stockyards, Tremont, Union-Miles Park, University, West Boulevard 

44101, 44102 , 44103, 44104 , 44105 , 44106 , 44109 , 44110 , 44113 , 44108, 44111 , 44112, 44114 , 44115 , 44118 , 44121, 44119, 44120, 44124, 44125, 44126, 44128, 44127, 4412, 44130, 44143, 44134, 4413, 44144, 44181, 44188, 44190, 44194,44195, 4419, 44192, 44193, 44197, 44198, 4419.

Are you or someone you know unable to work due to disability? If so, you or they deserve the disability claims they are eligible for in the state of Ohio, particularly the City of Cleveland. 

However, it can be hard to find an Ohio attorney who is on your side and helps simplify the claims process. 

That is where we come in! Scott Kolligian Esq. understands how complicated it can be to wade through all the processes and paperwork needed to claim your benefits. 

Our office does all that hard work for you so you can claim your benefits as soon as possible, with minimal stress. 

Our goal is to get you back to enjoying Cleveland as quickly as possible. After all, there is so much beauty and interest to enjoy here, including: 

  • The Rock and Roll Hall of Fame
  • Cleveland Museum of Art 
  • West Side Market 
  • Cleveland Metroparks Zoo 
  • Progressive Field stadium 
  • Heinen’s Downtown 
  • Cleveland Metroparks 
  • Cleveland Botanical Garden 

And so much more! We want to get you back out there enjoying the city as soon as you can. 

Surveyors from the Connecticut Land Company established the city of Cleveland in 1796. They named the city after General Moses Cleaveland, who oversaw the planning of the downtown area. Later, the settlement served as an important supply post for the US during the Battle of Lake Erie, and it grew rapidly after the completion of the Ohio and Erie Canal in 1832. 

Today, Cleveland is home to 372, 624 people and covers 82.49 square miles of land. It is the largest city located on Lake Erie. 

The Cleveland homepage gives the city’s mission statement like this: 

We are committed to improving the quality of life in the City of Cleveland by strengthening our neighborhoods, delivering superior services, embracing the diversity of our citizens, and making Cleveland a desirable, safe city in which to live, work, raise a family, shop, study, play and grow old.

We hope Cleveland can keep striving towards these goals!

What other Cities in Ohio do you serve?

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

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

Recovery Starts Here

Get the ERISA disability benefits you deserve in Akron

Request Consultation

Meet with me, not a case manager. I will help you determine the best possible way to present your claim and maximize your benefits.

Build Claim

We coordinate with medical providers and other experts, submit your documentation, and communicate with decision-makers directly.

Get Benefits

We help you obtain the compensation and long-term care you need to re-establish yourself as a reliable financial provider for your family.

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I Need Help with SSI or Social Security Disability


I Have a Private Disability Insurance Policy


I Still Work or Used to Work for the State of Ohio


Know Your Rights. Get Your Benefits. We Can Help.

During your consultation, I will personally review your ERISA case, explain the best way to proceed, and connect you with other community resources if needed.


That’s our promise

Know Your Rights. Get Your Benefits. We Can Help.

During your consultation, I will personally review your ERISA case, explain the best way to proceed, and connect you with other community resources if needed.

That’s our promise


With this free resource, you’ll be able to quickly identify which programs you’re eligible for, learn simple tips to help you build a stronger claim, and determine when it’s a good idea to seek legal representation.     

By requesting a copy of The Ohio Disability Guide: Understanding the Claims Process in Less Than 10 Minutes, you are authorizing Scott M. Kolligian, Esq., to contact you via the email address provided. You may opt-out at any time .