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ERISA Disability Claim Lawyers

Helping clients with ERISA Long-Term Disability Claims

When you can no longer work or earn adequate income due to a disability, Long-Term Disability plans are supposed to be there for you.   However, the insurance companies that administer these plans routinely deny and delay valid claims for payment. This leaves disabled policy holders frustrated and wondering how they will pay for food, gas, housing, and medical treatment.

If you or a loved one have paid for or had an employer sponsored Long-Term Disability plan and were wrongly denied benefits, our attorneys can help. 

At Kemmitt, Sanford, & Kramer Law PLLC, we believe that you should be paid the benefits that you are entitled to.  We also believe that the injured and disabled deserve dedicated and experienced attorneys to represent their best interests.  We work tirelessly to compel disability insurance companies to make good on the policies they sell and pay our disabled clients what they owe.

How A Long Term Disability Attorney Can Help

Dealing directly with insurance companies can be stressful, confusing, and challenging. Our clients are generally in severe pain and financial distress and usually in no shape to take on a multi-million dollar financial institution. Every major insurer in this industry has a massive staff that you likely have never heard of and will never meet, all working directly to avoid payment of your benefits. Insurers have doctors, nurses, vocational experts, therapists, lawyers, actuaries, and thousands of staffers all looking at files trying to find a means to deny your claim. They can and will employ many underhanded tactics to avoid responsibility, including delaying every step of the process.

With years of experience on your side, attorneys Michael Kemmitt, Evan Sanford and Patrick Kramer will ensure your claim is expertly presented, diligently prosecuted, and thoroughly reviewed and considered by the insurer.  In cases where insurers refuse to take responsibility, we can take them to court.   Mike and Evan have years of experience fighting for clients at every stage of a claim from application through litigation.

Why Choose Kemmitt, Sanford, & Kramer Law PLLC?

Experience matters:  Attorneys Michael Kemmitt, Evan Sanford and Patrick Kramer have successfully recovered tens of millions of dollars in wrongfully denied or withheld benefits.

Custom Legal Solutions: Every case, injury, condition, client, and insurance company is different, meaning your case requires a unique and detailed plan to help you achieve the best results.

No Fee Guarantee:  There is no fee or cost for reaching out to Kemmitt, Sanford, & Kramer Law PLLC. Our firm is a contingent fee firm meaning you do not pay a single cent unless we are successful in obtaining your benefits. The only time we get paid is when you get your benefits, it is that simple.

Call Today for a Free Consultation

If you have been unfairly denied disability benefits, contact Kemmitt, Sanford, & Kramer Law PLLC today.  We provide a free, no obligation consultation and never charge a fee unless we secure the benefits you need

Frequently Asked Questions

How much is my long-term disability claim worth?

A common question Michael Kemmitt, Evan Sanford and Patrick Kramer get is “how much is my case worth?” While this is a great question the answer is often frustrating, simply put it depends. First, every case is different, every person’s situation is different, every insurance company is different, and every claim progresses differently. 

Second, personal considerations like how much risk tolerance you have, or how much savings you have in the event of a denial all impact whether you could or should consider resolution. 

Third, the value of a claim is not always determined in settlement. There are several benefits to consider such as past benefits owed in a disability appeal or employer sponsored health or waiver of life insurance premiums. 

In almost every case, the best way to maximize the value of your case is to hire an attorney.  At Kemmitt, Sanford, & Kramer Law PLLC, we examine every detail and explore every option when looking at what benefits you may receive and what the best method is for us to get you those benefits.

When Should I Contact an Attorney?

The sooner you contact an attorney, the better.  As previously mentioned, insurers go through great lengths to deny claims and avoid payment.  In some cases, the only way to recover the benefits that you are entitled to is to take them to court.  Bringing an attorney into the process early can help build a strong case and make sure that all deadlines are met.

Can my insurance company deny my long-term disability claim without ever having me examined, even if my doctor supports my claim?

Unfortunately, the short answer is yes. Almost all disability policies contain a provision that allows the insurer to require you attend an exam with a physician of their choosing. However, they are not required to have you attend an exam with a doctor. More and more frequently, insurers are merely sending some of your medical records for paper file reviews by physicians of their choosing. They then use these paper file reviews to assert that they disagree with your treating provider opinions and deny claims. These are some of the most frustrating actions by insurers in long-term disability claims. The good news is that because it is a tactic Kemmitt and Sanford law sees every day, we have strategies to attack these denials and fight for your benefits.

Can I Appeal a Denial?

If the insurer has denied your claim they are required to send you a formal letter, in writing, outlining the reason for their denial and giving you the information necessary to conduct an appeal of the denial. It is absolutely vital you contact attorney Michael Kemmitt, Evan Sanford and Patrick Kramer if your claim has been denied. Often, the appeal stage is the most important time in a long-term disability claim, even if a case ends up in court. 

Typically, you get one shot to appeal long-term disability denials. Kemmitt, Sanford, & Kramer Law PLLC will work with you to make sure we get all of the evidence to support your claim. Kemmitt, Sanford, & Kramer Law PLLC will also get the entire insurance company file and go through it with a fine tooth comb. We will then draft a memorandum in support of your claim citing all of our favorable evidence, attacking weak points or mistakes in the insurance company file, and outlining the applicable law. Kemmitt, Sanford, & Kramer Law PLLC attach all of the favorable evidence to the appeal and submits it all at one time

I am not located in Minnesota, can Kemmitt, Sanford, & Kramer Law PLLC still help?

If you purchased your policy through your employer, chances are that we can help you! Most employer-sponsored disability plans are subject to the Employer Retirement Income Security Act (“ERISA”), which is a federal statute that allows our attorneys to handle these claims on a nationwide basis. Call us today to see if we can help you!

Meet the Attorneys

At Kemmitt, Sanford, & Kramer Law PLLC, we believe that the injured and disabled deserve dedicated and experienced attorneys to represent their best interests.

Dealing directly with insurance companies can be stressful, confusing, and challenging. Our clients are generally in severe pain and financial distress and usually in no shape to take on a multi-million dollar financial institution. With years of experience on your side, attorneys Michael Kemmitt, Evan Sanford and Patrick Kramer will ensure your claim is expertly presented, diligently prosecuted, and thoroughly reviewed and considered by the insurer. Mike and Evan have years of experience fighting for clients at every stage of a claim from application through litigation.

Working with Kemmitt, Sanford, & Kramer Law PLLC will allow you to focus on your health and recovery while we focus on your benefits.