The DeHaan Law Firm has litigated long-term (permanent) disability benefits cases against many of the largest insurance companies in the disability field including: Aflac, Unum Provident Corporation and its subsidiaries; Metropolitan Life Insurance Company; New York Life Insurance Company; Equitable Life Assurance Society of the United States; First Reliance Standard Life Insurance Company; Hartford Life Insurance Company; Berkshire Life Insurance Company of America; Guardian Life Insurance Company of America; Sun Life Insurance & Annuity Company of New York; Reliance Standard Life Insurance Company; Aetna Life Insurance Company; and Life Insurance Company of North America, among many others.
We focus on:
- Individual Disability Insurance Policies: A private insurance policy purchased by an individual which provides a monthly disability benefit if a disability renders them unable to work or reduces the amount they can work. These disability policies are governed by the law of the state in which they are issued. If you are like most professionals or business owners, you probably have invested in am individual (private) disability insurance policy to secure your economic future in the event you suffer a debilitating physical or psychological illness or injury that makes it impossible for you to continue in your current occupation. However, there is more to an individual disability policy than having enough protection; you also have to have the right protection. We are available to you if you need to file a disability claim, or if you just need a disability attorney to review your policy.
- Group Disability Insurance Policies: An insurance policy through a professional organization or other similar group which provides a monthly disability benefit. These policies are also governed by state law.
- Long-Term Care Insurance Policies: In addition to providing “nursing home” benefits, these policies frequently provide a daily benefit to a disabled person.
- Premium Waiver Benefits on Life Insurance Policies: Life insurance policies often continue a person’s coverage at no charge to the individual during periods of disability. The disabled individual has to notify the insurance carrier of the disability and apply for this benefit.
- Business Overhead Policies: For most professionals in their own practices or business owners, Business Overhead Policies are a necessity. In the event of a disability, they cover your business expenses such as rent/mortgage, salaries, office equipment, etc., during the time of your disability.
- Employer-Sponsored Benefit Plans: Employers often provide disability benefits beyond those required by New York State law. Such plans are governed by a federal statute known as the Employee Retirement Income Security Act of 1974 (“ERISA”) and may pay the disabled worker a monthly benefit equal to a percentage of their pre-disability income, typically between 50% to 66%.
The DeHaan Law Firm also focuses on Federal Employee Retirement System/Civil Service Retirement System (FER/CSRS) disability claims including:
- FERS/CSRS disability application filing
- Merit Systems Protection Board appeals
As an experienced federal litigator whose practice focuses on assisting the disabled with their disability claims, John W. DeHaan is able to provide a specific service to social security disability firms: we will prepare federal social security briefs on your behalf.
We are familiar with the rules and procedures in federal court as well as the medical, legal and vocational issues common to social security claims. This allows you to focus on the core areas of your practice such as aggressively pursuing the disability benefits your clients rightly deserve and insuring they receive the best representation possible in federal district court.
To schedule an appointment with The DeHaan Law Firm, or for more information about how we may help you, call: 631-582-1200.