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Get Disability Compensation with an ERISA Lawyer in Toledo

Insurance companies work hard to prevent disability payouts. We help people in Toledo 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 Toledo


Insurance companies work hard to prevent disability payouts. We help people in Toledo 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 Toledo 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 Toledo, 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 Toledo, 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 Toledo 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.

“We had fought for 2 yrs for my case. Scott fought for my case from day one and never backed down. He invested time and understanding in my condition to ensure that my case was solid. And we won! I am thankful for everything he did for me and his team was amazing! Thank you!!”


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 Toledo 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.


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.


If your application for long-term disability benefits is denied, the insurer is required to provide you at least one appeal, and it may require up to two appeals. Most long-term disability policies permit, but do not require, you to file a second appeal. Therefore, the insurance company potentially could deny your application, deny your first appeal, and deny your second appeal as well, for a total of three denials.

What Parts of Toledo do you serve with ERISA Disability?

If you are a Toledo resident looking to claim disability benefits, give Scott Kolligian a call today! We are more than happy to help in any way we can. 

We serve all neighborhoods and zip codes in Toledo, Ohio: 

Arlington, Auburndale, Beverly, Birmingham, Crossgates, DeVeaux, Downtown, Englewood, Fibe Points, Glendale-Heatherdowns, Harvard Terrace, Highland Heights, Lagrange, Library Village, North River, Old Orchard, Old South End, Old Town, Old West End, Onyx, Point Place, Reynolds, Scott Park, Southwyck, Vistula, Warehouse District, Warren-Sherman, Westgate, Westmoreland 

43601, 43603, 43604, 43605, 43606, 43607, 43608, 43609, 43610, 43611, 43612, 43613, 43614, 43615, 43617, 43620, 43623, 43635, 43652, 43654, 43656, 43657, 43659, 43660, 43661, 43666, 43667, 43681, 43682, 43697, 43699

If you are a public employee who has worked for the state of Ohio, you deserve the disability benefits you are eligible for. 

However, it can be a nightmare, trying to wade through all the paperwork and processes needed to claim those benefits. 

That is where Scott Kolligian comes in. We understand how difficult it is to navigate all those legal processes. Our office takes care of all the details for you and makes claiming your benefits as simple and streamlined as possible. 

Our goal is to get you back out enjoying Toledo as soon as possible! After all, there is so much beauty and interest to enjoy here: 

  • Toledo Museum of Art
  • Toledo Zoo
  • National Museum of the Great Lakes 
  • Imagination Station 
  • Toledo Botanical Garden
  • Glass Pavilion 
  • Oak Openings Preserve
  • Wildwood Preserve Metropark 
  • Huntingdon Center 
  • And more! 

There is no lack of fun and excitement in Toledo!

Toledo originally began as two smaller towns called Port Lawrence and Vistula, built along the shores of the Maumee River. In the 1820s and 30s, construction began on the Miami and Erie Canal, and all the small towns on the Maumee River competed to become the terminus of the canal. Port Lawrence and Vistula merged in 1833 so as to give themselves higher status and a better chance of becoming the terminus of the canal. They didn’t end up being the lucky winners, but they stuck together and took on the name Toledo. 

Today, Toledo is the 79th largest city in the US, with a population of 287,208 people. 

The University of Toledo website says this about the city: 

Founded in 1833, Toledo has become well known for its industry, particularly in auto assembly and glass (hence the nickname “The Glass City”). Toledo is now at the heart of the New Manufacturing Economy, which is entrepreneurial in spirit. The Toledo area recognizes and celebrates this spirit. Toledo is the perfect place to increase your opportunities – this area has talent, capital and networks.

We 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.

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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 .