(330) 253-2227
Get Disability Compensation with an ERISA Lawyer in Youngstown

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


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

“Scott’s expertise in the Social Security system got my disability claim despite numerous errors from SSA concerning my claim. His thorough knowledge of the different areas concerning my case allowed him to present the facts so the judge easily granted my case.”


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 Youngstown 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 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 Youngstown do you serve with ERISA Disability?

If you live in Youngstown and are looking to claim disability benefits from the state of Ohio, give Scott Kolligian a call today! We would be more than happy to help in any way we can. 

We serve all neighborhoods and zip codes in Youngstown, OH:

Downtown Youngstown, YSU, Brier Hill, Idora, West Side, Kirkmere, Lincoln Knolls, Lansingville, East Side, Riverbend, East High, Oak Hill, Williamston, Newport, Warren, Landsdowne, Salt Springs Riverbend, McGuffey Heights, Crab Creek Junction, Salt Springs, North Heights, Belle Vista, Smokey Hollow, Schenley, Flint Hill, Mahoning Commons, Steelton, Cottage Grove, Erie, Wick Park, Lower Gibson, Arlington  

44501, 44502, 44503, 44504, 44505, 44506, 44507, 44509, 44510, 44511, 44512, 44513, 44514, 44515, 44555

As an employee who has served the state of Ohio, you deserve to receive the OPERS, STRS, and SERS disability claims you are eligible for. 

But it is difficult to find an Ohio attorney who can help simplify the claims process. 

That is where we come in! Scott Kolligian Esq. understands how difficult it is to navigate the paperwork, claims process, and other legal work you need to do for your benefits. 

We take care of all the complicated legal work required and make the process as simple as possible for you. 

Our goal is to get you back to enjoying the sights and sounds of Youngstown as soon as possible. After all, there is so much in the city you wouldn’t want to miss, such as: 

  • Lanterman’s Mill 
  • Fellows Riverside Gardens 
  • The Butler Institute of American Art 
  • Covelli Centre 
  • OH WOW! Children’s Science Center
  • Youngstown Museum of Industry and Labor
  • Ward Beecher Planetarium
  • Youngstown Steel Heritage Museum 
  • And lots more wineries, museums, breweries, and parks

We want to get you back out there in the city as soon as we can! 

Situated on the Mahoning River in the foothills of the Appalachian Mountains, Youngstown was originally a center of steel production. Its economy changed and adapted when the steel industry fell into decline in the 1970s, but steel is still one of its major industries today. 

Today, this little city in Northeastern Ohio covers almost 35 square miles and is home to over 60,000 people. 

The Touring Ohio website sums Youngstown history up like this: 

Youngstown has gone from boom steel town, to a down and out city that is now half the size in population that it was in its hey-day of glamour, to a town with a bright future. The orange tinted night sky of blast furnaces has gone forever, but the city is no longer looking back on what it used to be, and is today looking forward to what it can be. 

We wish Youngstown a bright future 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


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 .