Seltzer & Associates provides an initial consultation of your claim free of charge. Whether you need to file a claim or have had a claim denied or terminated, we can review your policy and documents for you without obligation. We will review the issues specific to your individual situation, including your policy, medical records, and other documents you have on hand.

Long-Term Disability policies often contain the most restrictive provisions and language that can make your claim more challenging to file. These claims are often the most difficult to get your long-term disability insurance company to honor and most easily compromised by not understanding the policy, procedures, and the law. These policies usually contain specific language and deadlines as mandated by the Employee Retirement Income Security Act (ERISA). It is important to review your disabling condition in light of the definition of disability in your long-term disability policy. At Seltzer & Associates, we can assist you in this review.

In addition to reviewing your potential claim, we will begin the process of explaining to you what you can expect to encounter as you engage your disability insurance company in the claim process. We will help you make the most informed and effective decision as to how to proceed in filing your claim for your long-term disability benefits.