Frankel & Newfield is a top-rated national disability law firm that represents New York State residents with individual (privately owned) and group (sometimes known as ERISA) long term disability insurance matters when claims have been denied, delayed or terminated. Under the direction of AV-Preeminent® attorneys Justin Frankel and Jason Newfield, clients benefit from representation by experienced and knowledgeable attorneys.
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Known as the "Empire State," New York State contains dramatically different regions, from New York City to tiny villages in the Adirondack Mountains and cities of every size in between. Frankel & Newfield represents individuals who live in big cities with high pressure jobs as well as New York residents who live and work in cities like Buffalo, Albany and Syracuse where large corporations, leading universities and small businesses thrive.
Based on its high population, many of the firm’s clients are from the New York-metro area, which encompasses five boroughs of New York City, including Manhattan, Brooklyn, Queens, the Bronx and Staten Island as well as northern New Jersey and southern Connecticut. Occupation and income levels may vary widely, becoming disabled creates serious financial hardship at every level when the disability insurance company denies or delays a disability insurance claim.
It is recommended that anyone considering filing a disability claim confer with an experienced attorney before starting the application process. Unlike any other insurance claim, the application for benefits process is spring-loaded with many problematic requests for information and questions.
Here’s one example. The policy that was issued when the disability insurance was purchased is a contract between the insured individual and the insurance company. It contains a lot of confusing and complex legal terms that are difficult, if not impossible for the average person to understand. Frankel & Newfield represents many lawyers who work in complex areas of the law who think that their skills make them able to easily read and understand the contractual language.
Unfortunately, as many of our clients learn, this is not the case. You can be a highly paid mergers and acquisitions lawyer – that does not mean that you are prepared to understand the complex minefield that is a disability insurance policy.
Within the contract are very specific guidelines of what information the insurance company is allowed to obtain from the individual. If you are a salaried employee making a disability claim, it is likely that you will be asked to provide tax returns and bank statements. If you are a small business owner, you will be asked for tax returns, bank statements, business records and any investment assets reports. However, because the insurance company sends you a letter asking for these materials does not always mean that you are required by law to provide these materials. They must be clearly and specifically outlined in the disability insurance policy. If they are not in the policy, you are not obligated to provide them.
If you have questions, please call our office today to learn how Frankel & Newfield can help.Ready To Talk?
Justin Frankel is a founding partner of the disability insurance law firm Frankel & Newfield and is a highly skilled litigator and advocate. He has published numerous articles on the challenges facing clients with private or individual disability insurance policies and those who own group or ERISA disability insurance policies.
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