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Leading Disability Lawyers
Personal, Professional Attention
Receive the disability benefits you deserve with the help of our lawyers. We can even help you recover any back pay owed.
- Results-based: You pay nothing unless we win.
- Avoid doing paperwork. We'll handle everything.
- Maximize your benefits with legal help.
"I made the mistake of using the wrong lawyers. After 8 horrible years, and 2 denials, Bross & Frankel had my approval the first time they filed. In months I was approved and ready to begin life again. Legally disabled. Calling these guys saved my life!"
Lisa N Cohen
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Disability Claims Attorneys
Bross & Frankel
At Bross & Frankel, we understand that dealing with the legal steps of your case can be a confusing and overwhelming time. We work together as a team of professionals who will go the extra mile for you, making sure you get the attention, resources, and answers you need. Our clients receive personal service, as we answer the phone directly with no prompts. In the event we miss a call, we return our calls quickly.
With over 50 years of combined disability experience, the attorneys at Bross & Frankel know what you need to feel comfortable, and what it takes to win.
We Can Help
Bross & Frankel is a law firm solely focused on obtaining disability benefits for clients in New Jersey, Pennsylvania and throughout the country. Our experienced disability benefits lawyers have represented thousands of clients in individual disability insurance claims and ERISA long-term disability claims offered through their employers.
The attorneys at Bross & Frankel, P.A. can help you earn your long-term disability benefits via a wide range of services, including:
- Disability claim review
- Application assistance
- Appeals for denied/terminated private insurance LTD benefits
- Appeals for denied/terminated ERISA benefits
Long-term disability claims encompass a difficult and specialized area of the law. It's important to choose attorneys who are well-versed in the practice. Our attorneys have a long track record of success winning benefits claims for clients. Let us fight to earn you what you deserve.
Meet Our Attorneys
David S. Bross
Founder
Richard L. Frankel
Managing Partner
Jennifer Stonage
Associate Attorney
Elizabeth Berenato
Certified Civil Trial Attorney
How Insurance Companies Deny
Valid Disability Insurance Claims
If you have a long-term disability policy, you may think that you will automatically receive benefits if you can’t work due to a disability. But just like other types of insurance, it often isn’t that simple. Long-term disability insurance companies look for reasons to deny or delay claims because their main business isn’t to pay out on claims — but to make money.
Insurers use a variety of reasons to deny legitimate LTD claims. An insurance company may deny your application on the basis that you have not proven that you are disabled, even if you have submitted mountains of medical records to back up your claim. Alternatively, the insurer may use its own independent medical professional’s opinion to make a determination that you are not truly disabled, or that you are still able to work.
In some cases, an insurance company may argue that you have a pre-existing condition that is excluded from coverage. A skilled long term disability lawyer can cut through the legalese and demonstrate that your condition isn’t subject to an exclusion. Depending on the type of policy that you have, this may mean following a strict appeals process before ultimately filing a lawsuit in federal court.
There are other ways that insurance carriers may deny your legitimate long-term disability claim. Many ERISA plans also have two different definitions of disability you may have to meet in order to continue receiving LTD benefits. Doing so can be complicated — particularly if you are unfamiliar with the system and the process.
When you work with a seasoned disability benefits attorney from the start of your case, it puts you at a distinct advantage. Many denials are based on specific policy terms. Having a lawyer examine your LTD policy and base your application on the terms and conditions of your policy can help to avoid any delays — and possible denial of benefits.
One of our clients experienced how smoothly the process can be when you work with a long term disability lawyer from the start:
Excellent legal help! Did amazing work on my disability case. Compared to the normal wait, I was approved extremely quick and did not need to testify in front of a judge (something I was terrified of). Highly recommend their services!
While each case is unique and results are not guaranteed, having an attorney to advocate for you can help you achieve a better outcome.
Insurers use a variety of reasons to deny legitimate LTD claims. An insurance company may deny your application on the basis that you have not proven that you are disabled, even if you have submitted mountains of medical records to back up your claim. Alternatively, the insurer may use its own independent medical professional’s opinion to make a determination that you are not truly disabled, or that you are still able to work.
In some cases, an insurance company may argue that you have a pre-existing condition that is excluded from coverage. A skilled long term disability lawyer can cut through the legalese and demonstrate that your condition isn’t subject to an exclusion. Depending on the type of policy that you have, this may mean following a strict appeals process before ultimately filing a lawsuit in federal court.
There are other ways that insurance carriers may deny your legitimate long-term disability claim. Many ERISA plans also have two different definitions of disability you may have to meet in order to continue receiving LTD benefits. Doing so can be complicated — particularly if you are unfamiliar with the system and the process.
When you work with a seasoned disability benefits attorney from the start of your case, it puts you at a distinct advantage. Many denials are based on specific policy terms. Having a lawyer examine your LTD policy and base your application on the terms and conditions of your policy can help to avoid any delays — and possible denial of benefits.
One of our clients experienced how smoothly the process can be when you work with a long term disability lawyer from the start:
Excellent legal help! Did amazing work on my disability case. Compared to the normal wait, I was approved extremely quick and did not need to testify in front of a judge (something I was terrified of). Highly recommend their services!
While each case is unique and results are not guaranteed, having an attorney to advocate for you can help you achieve a better outcome.
Why Choose Bross & Frankel, P.A.?
Team Approach
We work together as a team of professionals to ensure you're getting all of the attention and resources you need to succeed.
Years of Experience
Together, our attorneys have over 50 years of combined legal experience that we bring to the table.
Personal Attention
You won't be left in the dark. We make sure all questions are answered and we take calls directly with no prompts.
We Take on Insurance Companies of All Sizes
Our long-term disability lawyers have helped New Jersey residents with their claims and appeals of denied benefits from insurance companies both large and small. We have advocated for clients with a range of insurance plans and insurance companies, including:
- The Hartford
- CIGNA
- Liberty Mutual
- Prudential
- MetLife
- Aetna
- Sun Life
- Lincoln Financial
- Dozens of other private and ERISA disability insurance companies
Having an attorney who is familiar with long-term disability claims and the private disability insurance companies that deny them is vital to the success of your case. This is a difficult and specialized area of the law. Our firm only takes cases that we think we can win, and in most cases, we only earn a fee if we do.
When talking to a disability attorney — even if it isn’t us — make sure that you feel comfortable that he or she knows how to fight LTD denials and win. Any lawyer that you talk to should also be realistic about the difficult hurdles the insurance companies and the law have put in front of people. The attorney-client relationship is an important one and should be built on trust, starting with honesty about the process.
Other Practice Areas
Personal Injury Cases
If you've recently been involved in an accident, you may be entitled to compensation from a negligent party. The attorneys at Bross & Frankel have helped many clients obtain compensation for lost income, medical expenses, and related complications associated with injuries, and we can help you too.
Veterans' Benefits Cases
The VA benefits lawyers at Bross & Frankel put their knowledge as disability attorneys to work in securing the highest possible compensation ratings and best possible outcomes for our veteran clients in New Jersey, Pennsylvania, and Delaware.
Client Reviews
Testimonial
Rich Frankel is a great person and made me feel taken care of through all my disability issues with the VA and my employer. He is very knowledgeable of the VA disability and employment law and I thank him for all of his help.
Bernice W.
Veteran's Benefits
Testimonial
Bross & Frankel, wow you guys are amazing! This has been a long tedious process and I thank you all so much for successfully representing me, I would definitely recommend you’re office to anyone!! Thank you again!
Sandra R.
Personal Injury
Let’s get started on your case today.
At Bross & Frankel, we understand that dealing with the legal steps of your case can be a confusing and overwhelming time. We work together as a team of professionals who will go the extra mile for you, making sure you get the attention, resources, and answers you need. Our clients receive personal service, as we answer the phone directly with no prompts. In the event we miss a call, we return our calls quickly.
With over 50 years of combined disability experience, the attorneys at Bross & Frankel know what you need to feel comfortable, and what it takes to win.