Lerner Law Firm & Associates, P.C. represents clients in their claims for insured long term disability benefits, under both individual policies, which are governed by state law, and employer-provided group policies, which are subject to ERISA. Our cases often involve disability from Lyme disease, fibromyalgia, chronic fatigue syndrome and spinal/back problems. We handle all phases of the claim for the disability benefits, including the initial application with the insurer, correspondence with the insurer’s claims reviewer and your doctors, the insurer’s claim denials (initial and on appeal), and filing suit in court to obtain denied benefits. To coordinate your claims and maximize your benefits, we also handle your claims for health benefits, Social Security disability benefits and worker’s compensation. We can step in at any point in the case. However, due to the complexities and traps in the insurance policies and claims procedures, we suggest that you contact us and let us get involved in your case as soon as your disability arises, and before you file a claim or talk with the insurer or Social Security.