Get Disability Compensation with an ERISA Lawyer in Dayton
__________________________________________________Insurance companies work hard to prevent disability payouts. We help people in Dayton leverage ERISA law to overcome insurer misconduct and secure the benefits they deserve.
Get Disability Compensation with an ERISA Lawyer in Dayton
__________________________________________________ERISA Law is Complicated. Know Your Rights.
IF you or someone you know in Dayton is
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 Dayton, 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 Dayton, OH
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.
“Once I spoke with Scott I knew I had found the right attorney. Scott and Michele were very responsive to my questions and concerns. I would highly recommend him to anyone needing his services.”
Lori
Hi, I’m Scott Kolligian
My team is here to help
The law is complicated, and your insurance company will leverage it to keep their pockets full.
What you do now matters. W
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 THE PURPOSE OF ERISA?
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.
WHAT DOES AN ERISA ATTORNEY DO?
A skilled and experienced ERISA disability lawyer will speak with the disabled worker personally to make sure he or she fully understands disability policy, the procedures moving forward, and the impact that all medical conditions have on the insured’s ability to perform his or her (or any) job. The lawyer will then put together a thorough plan to gather all of the evidence needed to support the application or appeal for disability benefits, including reviewing any denial or termination letters, reviewing the insurance company’s claim file, coordinating with your doctors, and obtaining and submitting all forms, statements, and medical records to prove your qualification for a disability benefit. A disability lawyer should have experience with appealing denials and litigating these cases in court so that the claim is presented properly from the start.
WHO IS SUBJECT TO ERISA?
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.
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 Dayton do you serve with ERISA Disability?
We serve all neighborhoods and zip codes in Dayton, OH:
Downtown, University of Dayton, Oregon, Old North Dayton, South Student Neighborhood, Dayton View Triangle, Webster Station, Shroyer Park, Miami Chapel, West Side, Historic Inner East, Riverdale, Belmont, University Row, Twin Towers, Pineview, Highview Hills, Princeton Heights, Edgemont, Five Points, Midtown Dayton, Old Dayton, Madden Hill, Arlington Heights, Wolf Creek, Cornell Heights, College Hill, Westwood, Greenwich Village, Santa Clara, North Riverdale, Gateway, Northern Hills, Grafton Hill, Kittyhawk, Hillcrest, Burkhardt, Stoney Ridge, Walnut Hills, Carillon, Lakeview, South Park, McCook Field, Five Oaks, Eastern Hills, Mount Vernon, McPherson, Roosevelt, Linden Heights, MacFarlane, Fairview
45377, 45402, 45403, 45404, 45405, 45406, 45409, 45410, 45414, 45416, 45417, 45419, 45420, 45424, 45426, 45428, 45431, 45432.
As a resident of Dayton who has worked for the state of Ohio, you deserve to claim the disability benefits you are eligible for.
However, claiming your benefits can be complicated and tricky. There are so many papers and processes to wade through, and it can be hard to find an attorney who can simplify things.
That is where Scott Kolligian Esq. comes in. Our team can help you navigate your way to claiming your benefits. We do all the difficult paperwork for you so the process is as simple as possible.
After all, there is so much to enjoy in Dayton, and we want to get you back out there living it up in the city as soon as possible!
You wouldn’t want to miss all the attractions, such as:
- National Museum of the US Air Force
- America’s Packard Museum
- Carillon Historical Park
- Boonshoft Museum of Discovery
- The Wright Cycle Company Complex
- Benjamin and Marian Shuster Performing Arts Center
- Dayton Art Institute
- RiverScape MetroPark
- National Aviation Hall of Fame
- Smith Gardens
- And more!
Our goal is to get you back out enjoying the sights and sounds of the city as soon as possible.
Dayton is called the Birthplace of Aviation and is associated with flight. Orrville Wright was born in Dayton, and the Wright brothers tested and improved their flight technology in and around the city. Today, Dayton hosts significant work and research in fields such as astronautical, aeronautical, and aerospace engineering.
The city continues to thrive today, with a population of 137,644 people. In 2010, Dayton was named one of the top places for college graduates to find jobs.
The Dayton homepage says this about the city:
Dayton is a bustling urban center surrounded by close-knit neighborhoods. It is a manufacturing giant becoming an innovative hub for technology. It is a hotbed for fine arts, ranked among the very best in the nation. It is the epicenter of international aviation and aerospace. It is home to bountiful and well-maintained parks and rivers. It is the virtual center of commerce in America.
We hope that diverse, innovative Dayton will continue to thrive for years to come and look forward to hearing from you!
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 canton
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.
explore other practice areas
I Need Help with SSI or Social Security Disability
SSD | SSI
I Have a Private Disability Insurance Policy
STD | LTD
I Still Work or Used to Work for the State of Ohio
OPERS | STRS | SERS
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
need help UNDERSTANDing THE CLAIMS PROCESS?
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 .
