Practice Areas

ERISA

New Jersey Social Security / ERISA Lawyers
Claims for Permanent Disability Insurance

Serving all of Central and Southern Jersey
1-800-974-6670

The Employee Retirement Income Security Act of 1974 (ERISA), regulates private health insurance policies, including long-term disability insurance. The Social Security and ERISA lawyers of WOLF AND BROWN L.L.C. assist disabled employees in obtaining Social Security Disability benefits under the terms of their employer’s long-term insurance policy.

WOLF AND BROWN L.L.C. is based in Haddonfield, New Jersey, and represents people throughout Central and South Jersey with permanent disabilities, including residents of Atlantic City, Winslow, Camden, Cherry Hill, Williamstown, Glouster Township, Princeton, Vineland, Northfield, Trenton, Mercerville, Hamilton and all communities in the counties of Cape May, Camden, Mercer, Burlington, Cumberland, Salem, Ocean, Atlantic and Gloucester & Salem.

Do I Have to Apply for Social Security Disability?
The insurance companies for private employers covered under ERISA may provide short-term and long-term disability insurance as a benefit of employment. When short-term disability pay is exhausted, the long-term disability policy kicks in. Most disabled workers return to their jobs within a year. However, if the disability prevents the employee from returning within 12 months then, yes, the insurance company may require you to apply for Social Security Disability benefits.

If you are approved, your SSD benefits may offset the employer-paid portion – you will still receive the same monthly amount. It is important to file early and with the help of an attorney! The uniquely qualified New Jersey ERISA attorneys of WOLF AND BROWN L.L.C. will handle all aspects of submitting your initial claim, or file a prompt appeal if you are turned down, to minimize any gap in your disability pay.

Medicare Coverage – A Bonus To You
Applying for Social Security Disability may be a hassle, but there are advantages to you. First of all, unlike private disability insurance, Social Security benefits are not taxed. Secondly, if approved for monthly Social Security Disability Benefits, you are automatically eligible for Medicare health care benefits.

Do I Have to Use My Employer’s Disability Lawyer?
The private insurer and your company may urge you to use a certain attorney under contract with the company, and they may indicate the lawyer is “free.” However, you always have the right to retain any attorney. When hiring WOLF AND BROWN L.L.C., the amount that you would have to reimburse your carrier is reduced by the amount of the attorney’s fee. In addition, by retaining WOLF AND BROWN L.L.C., you can be assured that your legal counsel is acting only in your interests and not the interest of the insurance company. Further you are represented by a local attorney and not a lawyer in another state.

If you are receiving long-term ERISA disability insurance through a private employer, contact the Social Security and ERISA lawyers of WOLF AND BROWN L.L.C. to ensure your benefits continue without interruption. We welcome all people with a permanent disability to a free initial consultation about your case.