# The Garner Firm

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Law firm specializing in ERISA, long-term disability and employment law

## Sitemaps

- [XML Sitemap](https://www.garnerltd.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [How to Fight Common Reasons ERISA Insurers Deny Disability Claims](https://www.garnerltd.com/erisa-disability-claim-denial-reasons-and-how-to-fight-back/): Facing an ERISA disability claim denial? Learn why insurers deny LTD and STD benefits and proven strategies to fight back. Free consultation: (267) 805-6557.
- [ERISA Disability Claims: Why Professional Specialty Matters in Own Occupation Claims](https://www.garnerltd.com/erisa-disability-claims-unum-legal-specialty/): Unum stopped your LTD benefits? Learn how your legal specialty affects ERISA disability claims and how The Garner Firm helps with appeals and litigation.
- [Complete Preemption Keeps a Tobacco Surcharge Class Action in Federal Court](https://www.garnerltd.com/erisa-lawyer-complete-preemption-tobacco-surcharge-class-action/): An ERISA lawyer explains Sample v. AT&T Mobility: how complete preemption keeps a tobacco surcharge class action in federal court.
- [Administrative Exhaustion in ERISA: Why Your Appeal Is Critical to Your Case](https://www.garnerltd.com/administrative-exhaustion-in-erisa-why-your-appeal-is-critical-to-your-case/): Miss your ERISA appeal deadline and you can lose the right to sue. Learn how to protect your disability, life, or pension claim before you file.
- [When ERISA Reaches Overseas: What Ajeti v. Life Insurance Company of North America Means for Disability Benefits Claims](https://www.garnerltd.com/erisa-disability-attorney-ajeti-v-lina/): An ERISA disability attorney explains Ajeti v. LINA: how complete preemption forces denied disability benefit claims into federal court. Free consultation.
- [What to Do First After an ERISA Long-Term Disability Denial](https://www.garnerltd.com/what-to-do-first-after-an-erisa-long-term-disability-denial/): Got an ERISA LTD denial? Learn the critical first steps from an experienced ERISA disability attorney. Contact The Garner Firm for a free consultation.
- [What You Need to Know About How SSD Interacts With LTD](https://www.garnerltd.com/ltd-offset-for-ssd/): Learn how the LTD offset for SSD works, why insurers reduce long-term disability benefits when you receive Social Security, and how ERISA attorneys can help.
- [AD&D Benefits Denied to Executive's Widow in ERISA Life Insurance Case](https://www.garnerltd.com/add-benefits-denied-to-executives-widow-in-erisa-life-insurance-case/): Case serves as an important reminder of the complexities inherent in ERISA litigation, and the need to aggressively push for discovery to unearth all relevant facts and evidence.
- [Lawyer's ERISA Long Term Disability Claim Denied by his Firm's Client](https://www.garnerltd.com/lawyers-erisa-long-term-disability-claim-denied-by-his-firms-client/): In an ironic and unfortunate turn of events, an attorney at one of the law firms that represents Reliance Standard Life Insurance Company and its related entities in ERISA disability benefits litigation all over the country had his claim for long-term disability (“LTD”) benefits denied by First Reliance Standard Life Insurance Company under his law
- [Unum Liable for ERISA Disability Benefits Due to Risk of COVID-19](https://www.garnerltd.com/unum-liable-for-erisa-disability-benefits-due-to-risk-of-covid-1/): A recent case creates hope for individuals in obtaining their ERISA long-term disability benefits when they're disabled due to a risk of relapse.
- [Strong Medical Evidence Is Critical to Long-Term Disability Claim](https://www.garnerltd.com/strong-medical-evidence-is-critical-to-long-term-disability-claim/): If you are facing a long-term disability (LTD) denial from your insurance company, you’re not alone. Insurers frequently deny valid claims, forcing claimants into a long and frustrating appeals process. Fortunately, federal courts sometimes step in to hold them accountable. A recent case, Dime v. Metropolitan Life Insurance Company, No. C24-0827-JCC (W.D. Wash. Jan. 29,
- [Court Awards Nearly $200,000 in Fees After Settlement of ERISA Life Insurance Dispute](https://www.garnerltd.com/court-awards-nearly-200000-in-fees-after-settlement-of-erisa-life-insurance-dispute/): Navigating the complexities of life insurance claims under the Employee Retirement Income Security Act (ERISA) can be daunting. The recent case of Thomas R. v. Hartford Life & Accident Insurance sheds light on the challenges beneficiaries face when seeking the benefits they are entitled to under ERISA-governed plans. This case underscores the importance of having
- [Magistrate's Recommendation Criticizes Lincoln's Denial of ERISA AD&D Benefits](https://www.garnerltd.com/magistrates-recommendation-criticizes-lincolns-denial-of-erisa-add-benefits/): In a recent ERISA decision, Magistrate Judge Jason B. Libby recommended that a District Court overturn Lincoln National Life Insurance Company's denial of Accidental Death & Dismemberment (AD&D) benefits. The recommendation, issued in Sewell v. The Lincoln National Life Insurance Company, sheds important light on common ERISA litigation issues, particularly focusing on the abuse of
- [Standing Up for Workers in ERISA Disability and Retirement Claims: Insights from Adam Garner](https://www.garnerltd.com/standing-up-for-workers-in-erisa-disability-and-retirement-claims-insights-from-adam-garner/): Standing Up for Workers in ERISA Disability and Retirement Claims: Insights from Adam Garner
- [ERISA & LTD: How Severance Agreements Risk Your Benefits](https://www.garnerltd.com/erisa-ltd-how-severance-agreements-risk-your-benefits/): Learn how severance agreements can jeopardize ERISA long-term disability benefits. Sun Life case study reveals key strategies to protect your LTD rights.
- [ERISA ESOP Litigation Dismissed: Key Retirement Takeaways](https://www.garnerltd.com/erisa-esop-litigation-dismissed-key-retirement-takeaways/): BDO ESOP litigation dismissed for lack of concrete injury. Expert ERISA lawyers analyze key takeaways for retirement litigation and ERISA class actions.
- [Second Circuit Opinion Offers Guidance on ERISA Standing](https://www.garnerltd.com/second-circuit-opinion-offers-guidance-on-erisa-standing/): The Court's decision in Collins v. Northeast Grocery, LLC underscores the importance of Article III standing in class action lawsuits brought under ERISA
- [How a Settlement Agreement Can Forfeit Your ERISA Claims](https://www.garnerltd.com/how-a-settlement-agreement-can-forfeit-your-erisa-claims/): A recent case from New Jersey highlights the risk inherent in signing a settlement with your employer if you have a potential claim.
- [The Epilogue: Recovering Attorneys' Fees in an ERISA Long-Term Disability Case](https://www.garnerltd.com/the-epilogue-recovering-attorneys-fees-in-an-erisa-long-term-disability-case/): A recent court decision explained that winning past due ERISA disability benefits is only part of the battle. The fight over attorneys' fees comes next.
- [Long Term Disability Application Error Costs Musician Her Benefits](https://www.garnerltd.com/long-term-disability-application-error-costs-musician-her-benefits/): Learn from Moratz v. Reliance Standard case why hiring experienced ERISA lawyers prevents costly mistakes in the Long-Term Disability application process.
- [Court Gives Unum a Second Bite at the Apple and It Still Acts Unreasonably](https://www.garnerltd.com/court-gives-unum-a-second-bite-at-the-apple-and-it-still-acts-unreasonably/): Even after getting a second bite at the apple, Unum acts arbitrarily in denying an LTD claim after approving STD benefits for the max duration they were payable
- [What's in a Name? How Clear Intent Saved Survivor Benefits in a Federal ERISA Case](https://www.garnerltd.com/whats-in-a-name-how-clear-intent-saved-survivor-benefits-in-a-federal-erisa-case/): Clear intent can override technical errors in ERISA beneficiary forms. Learn how this recent case secured survivor benefits and protected plan participants.
- [MetLife's Denial of Attorney's LTD Claim is Affirmed](https://www.garnerltd.com/metlifes-denial-of-attorneys-ltd-claim-is-affirmed/): The U.S. Court of Appeals recently affirmed the denial of an attorney's LTD claim when she failed to contradict the opinion of MetLife's consulting experts.
- [Court Rejects LTD Insurer's Pre-Existing Condition Denial](https://www.garnerltd.com/court-rejects-ltd-insurers-pre-existing-condition-denial/): Court rules for ERISA LTD claimant after insurer wrongly denied benefits using pre-existing condition exclusion. Learn how this victory helps disability claims.
- [5 Warning Signs Your LTD Claim May Be Denied](https://www.garnerltd.com/5-warning-signs-your-ltd-claim-may-be-denied/): Discover 5 warning signs your LTD claim will be denied. Learn to protect your rights under ERISA with help from an experienced disability attorney.
- [How to Leverage This Stunning Unum ERISA Discovery Ruling](https://www.garnerltd.com/erisa-long-term-disability-attorney-unum-discovery-case/): An experienced ERISA long-term disability attorney explains how a court rejected Unum's discovery objections. Learn what this means for your LTD benefits claim.
- [Philadelphia ERISA Attorney to Present on AI Ethics at ABA Employee Benefits Committee Meeting](https://www.garnerltd.com/philadelphia-erisa-attorney-to-present-on-ai-ethics-at-aba-employee-benefits-committee-meeting/): Philadelphia ERISA attorney Adam Garner presents on AI ethics at ABA Employee Benefits Committee Meeting. Expert ERISA litigation & employee benefits law.
- [The Garner Firm Attorneys Earn 2026 Super Lawyers Recognition](https://www.garnerltd.com/the-garner-firm-attorneys-earn-2026-super-lawyers-recognition/): The Garner Firm is pleased to announce that three of our attorneys have again been recognized by Super Lawyers for their work in ERISA and long-term disability insurance benefits claims, based on nominations from other attorneys and legal practitioners across the country. Adam Garner and Melanie Garner have each been selected to the 2026 Super
- [Major Victory for ERISA Plan Participants Involving Forced Arbitration](https://www.garnerltd.com/major-victory-for-erisa-plan-participants-involving-forced-arbitration/): ERISA attorney explains Eleventh Circuit ruling invalidating arbitration waivers in employee benefit plans. Important decision for plan participants.
- [Why Your ERISA Disability Appeal Is the Most Important Step in Your Benefits Claim](https://www.garnerltd.com/why-your-erisa-disability-appeal-is-the-most-important-step-in-your-benefits-claim/): Denied LTD or STD benefits? Learn why your ERISA disability appeal is critical. Our ERISA attorneys help you build a winning appeal. Free consultation.
- [Adam Garner to Speak at the ABA Employee Benefits Committee Midwinter Meeting in Austin, Texas](https://www.garnerltd.com/adam-garner-to-speak-at-the-aba-employee-benefits-committee-midwinter-meeting-in-austin-texas/): ERISA attorney Adam Garner presents on AI ethics for employee benefits lawyers at the ABA Employee Benefits Committee Midwinter Meeting in Austin, Texas.
- [Adam Garner to Speak on Urgent Retirement Plan Issues at ABA](https://www.garnerltd.com/erisa-lawyer-adam-garner-urgent-retirement-plan-issues-aba/): ERISA lawyer Adam Garner exposes retirement plan threats: pension risk transfers, 401(k) forfeitures, ESG disputes, and more. Contact The Garner Firm today.
- [The Garner Firm Welcomes Zachary Lipschutz as Counsel](https://www.garnerltd.com/the-garner-firm-welcomes-zachary-lipschutz-as-counsel/): The Garner Firm welcomes Zachary Lipschutz as Counsel to its ERISA and long-term disability practice. Zach brings extensive experience representing individuals in disability claims and litigation nationwide.
- [Why Your Last Day of Work May Not Be Your Date of Disability: What ERISA Claimants Need to Know](https://www.garnerltd.com/erisa-disability-attorney-date-of-disability-vs-last-day-of-work/): An experienced ERISA disability attorney explains why your last day of work may not be your date of disability—and how it impacts STD and LTD claims.
- [The Long-Term Disability Gender Gap: Why Women Lose Claims They Should Win](https://www.garnerltd.com/the-long-term-disability-gender-gap-why-women-lose-claims-they-should-win/): Women with legitimate disabilities are denied long-term disability benefits at higher rates than men — even with comparable medical conditions. Research shows insurers and evaluators often overestimate women’s ability to keep working, creating a gender gap that can leave disabled women without the support they paid for.
- [Mass Tort Cases and Disability Claims: A Recovery Path Your Client May Not Know Exists](https://www.garnerltd.com/erisa-disability-claim-mass-tort-clients/): Your mass tort client may have a hidden ERISA disability claim. The Garner Firm helps personal injury attorneys identify and pursue ERISA LTD benefits.
- [Warning: The ERISA Red Flags Experts Should Watch For](https://www.garnerltd.com/erisa-attorney-disability-claim-red-flags/): An ERISA attorney explains the disability claim warning signs CPAs and financial advisors must spot before a denial becomes a costly litigation crisis.
- [How ERISA Can Fail Professionals Who Can No Longer Practice Their Specialty](https://www.garnerltd.com/how-erisa-can-fail-professionals-who-can-no-longer-practice-their-specialty/): Denied long-term disability benefits? An experienced ERISA disability attorney at The Garner Firm helps surgeons, dentists, and pilots recover LTD benefits.
- [ERISA Remedies in Action: What the Cigna Residential Treatment Case Teaches About Attorneys' Fees and Prejudgment Interest](https://www.garnerltd.com/erisa-attorney-cigna-fees-interest/): Need an ERISA attorney? The Garner Firm explains the remedies—benefits, prejudgment interest, and attorneys' fees—won in a recent Cigna ERISA case.
- [How Workers' Comp and ERISA Disability Benefits Work Together](https://www.garnerltd.com/erisa-disability-attorney-workers-comp-ltd-benefits/): An ERISA disability attorney at The Garner Firm explains how workers' comp, STD, and LTD benefits interact and how to protect your full disability claim.
- [Insurer Denies Tragic AD&D Claim Due to Blood Thinner](https://www.garnerltd.com/erisa-attorney-add-claim-denial-beard/): An ERISA attorney explains how Beard v. Lincoln National shows why AD&D and accidental death claims get denied—and how to protect your benefits.
- [ERISA Disability Claims for Physicians: What to Know Before You File](https://www.garnerltd.com/erisa-disability-claims-for-physicians-what-to-know-before-you-file/): Most physician disability claims fall under ERISA. Learn how the rules work, what risks to avoid, and how to protect your claim before filing.
- [The ERISA Trap Most High-Earning Professionals Never See Coming](https://www.garnerltd.com/the-erisa-trap-most-high-earning-professionals-never-see-coming/): If you have an employer-sponsored disability policy, the decisions you make in the earliest stages of your disability claim may determine what evidence a court can ever consider. By the time most professionals realize this, that window has already closed.
- [What Can You Do If Your Long-Term Disability Claim is Denied?](https://www.garnerltd.com/what-can-you-do-if-your-long-term-disability-claim-is-denied/): Many ERISA claims result from a denial of a long-term disability claim. If your disability claim is denied, you can and should appeal the denial of that claim.
- [Questions to Ask Before Hiring an ERISA Attorney - Video](https://www.garnerltd.com/questions-to-ask-before-hiring-an-erisa-attorney/): VIDEO - Questions you should ask before hiring an attorney to handle your ERISA or long-term disability claim.
- [How The Garner Firm Can Help You With an ERISA or Long-Term Disability Claim](https://www.garnerltd.com/how-the-garner-firm-can-help-you-and-your-family/): The Garner Firm helps individuals with ERISA and long-term disability claims and a range of employment law legal matters.
- [Winning Cases for Clients is Personal](https://www.garnerltd.com/winning-cases-for-clients-is-personal/): Melanie Garner's work on behalf of clients is informed by her own experience with a disabled family member.
- [How Much Time Do I Have to Appeal a Long-Term Disability Claim?](https://www.garnerltd.com/how-much-time-do-i-have-to-appeal-a-long-term-disability-claim/): You have a limited amount of time to appeal a denial of a long-term disability.
- [What Types of Employment Law Does The Garner Firm Practice?](https://www.garnerltd.com/what-types-of-employment-law-does-the-garner-firm-practice/): In addition to handling ERISA claims, the Garner Firm handles several other types of claims. We do various types of employment litigation. We occasionally take on discrimination and retaliation cases related to age, sex, race, national origin, discrimination, and things like that. We handle wage and hour claims. Wage and hour claims are claims where
- [Helping Clients Win Means Everything to Us](https://www.garnerltd.com/helping-clients-win-cases-means-everything-to-us/): VIDEO: There's a need for effective legal representation to help individuals with their long-term disability claims and other employment related claims.
- [What Sets The Garner Firm Apart from Other Law Firms?](https://www.garnerltd.com/what-sets-the-garner-firm-apart-from-other-law-firms/): Excellent client service is what sets us apart from other law firms.
- [If Your Long-Term Disability Claim is Denied, It's Critical That You Hire an Experienced ERISA Attorney](https://www.garnerltd.com/if-your-long-term-disability-claim-is-denied-its-critical-that-you-hire-an-experienced-erisa-attorney/): ERISA an incredibly complex statute, and many attorneys that claim to understand it simply do not.
- [What Can You Expect to Recover If You Bring an ERISA Claim in Court?](https://www.garnerltd.com/what-can-you-expect-to-recover-if-you-bring-an-erisa-claim-in-court/): Learn what you might expect if you are bringing your ERISA claim to court and the scenarios that may affect your situation or case.
- [Why Do I Need An Attorney for An ERISA Appeal?](https://www.garnerltd.com/why-do-i-need-an-attorney-for-an-erisa-appeal/): It's essential to understand what's required in order to be successful in appealing an ERISA claim. A well-written and thoroughly researched appeal can improve your chances of success.
- [How Are ERISA Claims Resolved?](https://www.garnerltd.com/how-are-erisa-claims-resolved/): ERISA claims are typically resolved by appealing the denial of a benefit claim, by filing a lawsuit in court or by settlement.
- [How Long Does It Take For An ERISA Claim To Be Resolved?](https://www.garnerltd.com/how-long-does-it-take-for-an-erisa-claim-to-be-resolved/): The timeframe for resolving an ERISA case depends on the nature of the benefited issue and also the complexity of the case and where it is in its lifecycle.
- [What is ERISA and How Does It Govern Benefits?](https://www.garnerltd.com/what-is-erisa-and-how-does-it-govern-benefits/): ERISA governs employee benefit plans by private sector employers. This includes benefit plans regarding your retirement benefits, your health insurance benefits through work, your life insurance benefits through work, disability insurance through work or any other benefit plan your employer may offer.
- [Third Circuit Issues Precedential Opinion Upholding Validity of Anti-Assignment Clauses](https://www.garnerltd.com/third-circuit-issues-precedential-opinion-upholding-validity-of-anti-assignment-clauses/): The case is a setback for healthcare providers seeking to stand in the shoes of certain ERISA health plan participants when seeking compensation from health plans.
- [Court Clarifies Meaning of ERISA Long Term Disability (LTD) Plan and Remands for Further Consideration](https://www.garnerltd.com/court-clarifies-meaning-of-erisa-long-term-disability-ltd-plan-and-remands-for-further-consideration/): On May 9, 2018, the United States District Court for the District of Kansas remanded a long term disability (“LTD”) claim back to the claims administrator for further consideration after it interpreted an ambiguous plan provision. A copy of the Court’s opinion in Derichs v. AT&T Services, Inc., Case No. 16-2346-JWL, can be found here.
- [When is a Death “Accidental” for Purposes of an Accidental Death and Dismemberment Insurance Policy](https://www.garnerltd.com/when-is-a-death-accidental-for-purposes-of-an-accidental-death-and-dismemberment-insurance-policy/): Sometimes Accidental Death and Dismemberment (AD&D) insurers will dispute whether an insured’s death was the result of an accident. A recent decision from the United States District Court for the Northern District of Illinois provides some additional guidance. See Tran v. Minn. Life Ins. Co., Case No. 17-cv-450 (N.D. Ill. March 5, 2018). A copy
- [What to Do After Your Spouse’s Accidental Death](https://www.garnerltd.com/what-to-do-after-your-spouses-accidental-death/): Many people have accidental death and dismemberment coverage through their employer under the Employee Retirement Income Security Act of 1974 (ERISA). This coverage can be critical if you learn that your spouse passed away due to an accidental injury, as it can provide benefits to offset the losses you can experience due to sudden death.
- [A Great Win for ERISA Participants at the Supreme Court](https://www.garnerltd.com/a-great-win-for-erisa-participants-at-the-supreme-court/): Earlier this morning, the Supreme Court of the United States issued a unanimous opinion in Intel Corp. Investment Policy Committee v. Sulyma, No. 18-1116, October Term, 2019. Justice Alito authored the Court's opinion. A copy of the opinion can be found here. The opinion interprets ERISA's statute of limitations and repose found in Section 413 of
- [Adam Garner Speaks at Two Recent American Bar Association ERISA Conferences](https://www.garnerltd.com/adam-garner-speaks-at-two-recent-american-bar-association-erisa-conferences/): The Garner Firm's Adam Garner had the honor of speaking at two recent American Bar Association conferences addressing ERISA employee benefits. The first conference was the ABA's Torts, Trial, and Insurance Practice Section ("TIPS") 46th Annual TIPS Mid-Winter Symposium on Insurance and Employee Benefits in Austin, TX. The conference was held from January 16-18, 2020, and
- [Adam Garner Appears on the Jeff Gross Show on WWDB-AM Talk 860](https://www.garnerltd.com/adam-garner-appears-on-the-jeff-gross-show-on-wwdb-am-talk-860/): The Garner Firm's Adam H. Garner appeared on The Jeff Gross Show on WWDB-AM Talk 860 with workers' compensation attorney Jeffrey Gross, Esquire. Jeff is one of Philadelphia's premier workers' compensation attorneys and a long time friend of the firm. You can visit his firm's website here. Thank you Jeff and and co-host, Joe Dougherty,
- [Adam Garner Named ABA Torts, Trial, and Insurance Practice Section Health and Disability Committee Chair-Elect](https://www.garnerltd.com/adam-garner-named-aba-torts-trial-and-insurance-practice-section-health-and-disability-committee-chair-elect/): The Health & Disability Committee concentrates on matters relating to health, disability, long-term care, accident, medical and hospital expense insurance contracts.
- [Court Awards Over $5.8 Million in Life Insurance Benefits and Interest](https://www.garnerltd.com/court-awards-over-5-8-million-in-life-insurance-benefits-and-interest/): The United States District Court for the District of Connecticut recently awarded over $5,800,000 in life insurance benefits and prejudgment interest to a life insurance claimant whose husband worked for Stanley Black and Decker.
- [Court Finds in Favor of Disability Claimant After Treating Physicians Ignored](https://www.garnerltd.com/court-finds-in-favor-of-disability-claimant-after-treating-physicians-ignored/): The United States District Court for the Northern District of Alabama found in favor of a long term disability claimant after an insurer ignored the opinions of his treating physicians.
- [Settlement Reached: Circuit Split Remains in ERISA Breach of Fiduciary Duty Claims](https://www.garnerltd.com/settlement-reached-circuit-split-remains-in-erisa-breach-of-fiduciary-duty-claims/): On September 20th, 2018, the Supreme Court of the United States dismissed, at the parties’ joint request, an ERISA lawsuit (Pioneer Centres Hold. v. Alerus Fin.) that could have potentially resolved an existing circuit split over who bears the burden of proof in ERISA breach of fiduciary duty claims. The case was dismissed because the
- [Unum Ordered to Pay Wrongfully Denied Long Term Disability Benefits to Fibromyalgia Patient](https://www.garnerltd.com/unum-ordered-to-pay-wrongfully-denied-long-term-disability-benefits-to-fibromyalgia-patient/): On September 21, 2018, the United States District Court for the District of Massachusetts issued an opinion awarding long term disability (“LTD”) benefits to a fibromyalgia patient whose benefits were wrongly terminated by Unum Life Insurance Company and Provident Life and Accident Insurance Company, both of which are owned by Unum Group. A copy of
- [My Health Insurer Denied My Claim; Now What?](https://www.garnerltd.com/my-health-insurer-denied-my-claim-now-what/): Health insurance provides critical benefits when you become sick or injured. However, some insurers deny perfectly valid claims, which might leave you in shock. After all, you have insurance precisely for emergencies, but here your insurer is denying your claim. Fortunately, you have rights, and it is sometimes possible to get an insurer to reverse
- [Disability Claims for Lasting Mental Health Issues Stemming from COVID-19](https://www.garnerltd.com/disability-claims-for-lasting-mental-health-issues-stemming-from-covid-19/): When many people think of the long-term health effects of the COVID-19 pandemic, they might first think of respiratory damage and other physical scarring. However, many people might come away from this crisis with significant mental scarring, as well. This is especially true for many healthcare providers and frontline medical workers. Imagine working as a
- [Possible Reasons for Life Insurance Claim Denials](https://www.garnerltd.com/possible-reasons-for-life-insurance-claim-denials/): You might assume that if a loved one had life insurance coverage; the company should pay benefits to the proper beneficiaries following their death. Unfortunately, life insurance providers will not automatically approve claims, and they can - and do - deny claims for various reasons. If you received a denial, it is important to determine
- [Disability Claims and Social Media](https://www.garnerltd.com/disability-claims-and-social-media/): When you file an ERISA insurance claim for short or long-term disability benefits, you should not expect the insurance company to quickly and willingly grant your claim and begin sending payments. Instead, the insurance company will take many steps to determine whether it can challenge your claim and deny benefits. Insurers use many different tactics,
- [Defined Benefit Plans vs. Defined Contribution Plans: What's the Difference?](https://www.garnerltd.com/defined-benefit-plans-vs-defined-contribution-plans-whats-the-difference/): The Employee Retirement Income Security Act (ERISA) governs two different types of employer-sponsored retirement plans, which are called defined benefit plans and defined contribution plans. Whichever plan you are a part of, it is important to understand your rights under ERISA and when these rights might have been violated. Never hesitate to discuss any ERISA
- [What Is an ERISA Claim?](https://www.garnerltd.com/what-is-an-erisa-claim/): Even among attorneys, ERISA is often misunderstood. There are few who can claim to really understand this complex and very-detailed law. As an employee, what you need to know is that this statute gives you the right to sue an employer. Simply stated, ERISA exists to protect all of your employee benefits. However, the process
- [Common Conditions That Can Cause Long-Term Disability](https://www.garnerltd.com/common-conditions-that-can-cause-long-term-disability/): There are a number of reasons why you may be unable to work for the long term. While accident-related injuries could qualify you for long-term disability, there are other conditions that would allow you to receive benefits. Here are five common causes for long-term disability claims. Cancer You may be entitled to benefits, but not
- [Dealing with a Prudential Denied Disability Claim](https://www.garnerltd.com/dealing-with-a-prudential-denied-disability-claim/): Millions of workers depend on long-term disability insurance provided through their employer to protect them if an injury, illness, or chronic health condition leaves them unable to work. So, when you need to access these benefits, it can come as quite a shock to have your disability claim denied by a company like Prudential. At
- [Cigna Disability Claims Denial](https://www.garnerltd.com/cigna-disability-claims-denial/): Long-term disability insurance provided by your employer protects you if you are unable to work due to a serious health condition, illness, or injury. Cigna is one of the leading providers of these policies, but its practices have resulted in wrongfully denied claims, leaving some policyholders angry and confused when their benefits are denied. If
- [How Long Do You Have to Be Out of Work to Apply for Disability Benefits?](https://www.garnerltd.com/how-long-do-you-have-to-be-out-of-work-to-apply-for-disability-benefits/): The process of applying for benefits under an employer governed group disability insurance plan might be more complicated than you would imagine.
- [Factors That Can Influence Your LTD Payment](https://www.garnerltd.com/factors-that-can-influence-your-ltd-payment/): Many employers offer long-term disability (LTD) insurance policies intended to protect an employee’s financial interests in the event they cannot work due to a lasting mental or physical disability. But how much can you expect for your LTD payments if you become disabled? It is important to be familiar with your right to benefits so
- [What to Do If Your Retirement Benefits Were Denied](https://www.garnerltd.com/what-to-do-if-your-retirement-benefits-were-denied/): An experienced ERISA attorney can help you fight a denial to get the retirement benefits you are owed. The sooner you get legal advice, the sooner you can get your retirement plans back on track.
- [Possible Reasons Your Disability Claim Was Denied](https://www.garnerltd.com/possible-reasons-your-disability-claim-was-denied/): There are a number of reasons your claim may be denied. Explore below to learn about the most common reasons.
- [Reasons a Disability Claim May Have Been Denied](https://www.garnerltd.com/reasons-a-disability-claim-may-have-been-denied/): There are some standard reasons for disability claims denials. Working with an experienced and knowledgeable disability attorney can help your odds of a successful claim.
- [What to Know about Long-Term Disability Overpayment Recovery ](https://www.garnerltd.com/what-to-know-about-long-term-disability-overpayment-recovery/): Managing a long-term disability can be both time-consuming and also very costly. The purpose of disability insurance is to ensure that your basic needs and expenses are covered so that managing your disability is your prime focus instead of worrying about a lack of income. Insurance companies profit by paying out as little as possible,
- [How Much Does Long-Term Disability Insurance Pay? ](https://www.garnerltd.com/how-much-does-long-term-disability-insurance-pay/): A relatively minor injury or illness can change the way in which you live and work for months, while a more severe condition that leads to a lasting disability can change the way in which you live the rest of your life. A long-term disability can impact your ability to work and to engage in
- [Can Long-Term Disability Benefits Be Terminated?](https://www.garnerltd.com/can-ltd-disability-benefits-be-terminated/): For many injured or chronically ill employees, long-term disability benefits are the only way that they can continue to make ends meet. Without these payments, they wouldn't have any way to support themselves or their families. However, having your long-term disability benefits approved doesn't mean you will be able to receive them for as long
- [Questions to Ask Your Long-Term Disability Attorney](https://www.garnerltd.com/questions-to-ask-your-long-term-disability-attorney/): Long-term disability, especially through ERISA-based insurance plans, is notoriously difficult to qualify for, particularly if you don't have an attorney. Be prepared to ask the right questions when hiring an attorney.
- [The Hidden Dangers of ERISA: Safeguard Your Disability Benefits](https://www.garnerltd.com/the-hidden-dangers-of-erisa-safeguard-your-disability-benefits/): Discover how Unum manipulates ERISA to deny disability claims. Contact an experienced ERISA attorney to fight bad faith tactics.
- [Own vs Any Occupation: Protect Your LTD Benefits Now](https://www.garnerltd.com/own-vs-any-occupation-protect-your-ltd-benefits-now/): Learn the critical differences between ERISA own occupation vs any occupation disability standards. Protect your LTD benefits with help from The Garner Firm.
- [Governmental Plan Exemption Sinks Pro Se Plaintiff's ERISA LTD Case](https://www.garnerltd.com/erisa-attorney-governmental-plan-exemption-ltd-case/): Learn how an ERISA attorney can help with denied long-term disability claims. Case study on governmental plan exemptions and LTD benefit denials.
- [Mentally Ill Killers, Life Insurance & The Slayer Statute](https://www.garnerltd.com/mentally-ill-killers-life-insurance-the-slayer-statute/): Philadelphia ERISA attorneys navigate life insurance disputes, interpleader actions & a slayer statute. Expert legal guidance for beneficiary claims.
- [📢 Recent Update: Gig Workers Under the Current Administration](https://www.garnerltd.com/📢-recent-update-gig-workers-under-the-current-administration/): The U.S. Department of Labor (DOL) has issued new guidance on how it will enforce federal wage laws for gig workers, and it could significantly affect how companies classify workers—and how workers understand their rights. On May 2, 2025, the DOL’s Wage and Hour Division (WHD) released two key updates: Field Assistance Bulletin No. 2025-1
- [Court Affirms Denial of Accidental Death Benefits Due to Medical Treatment Exclusion](https://www.garnerltd.com/court-affirms-denial-of-accidental-death-benefits-due-to-medical-treatment-exclusion/): Accidental death and dismemberment claims are often denied when the death was related to a medical condition as illustrated in this recent case.
- [Rule 56 Applied in a Recent Long-Term Disability Case to the Insured's Detriment](https://www.garnerltd.com/rule-56-applied-in-a-recent-long-term-disability-case-to-the-insureds-detriment/): A Court in North Carolina recently decided an ERISA disability claim under Summary Judgment instead of Conducting a Bench Trial
- [Court Reverses Benefit Denial in ERISA Mental Health Benefits Case](https://www.garnerltd.com/court-reverses-benefit-denial-in-erisa-mental-health-benefits-case/): Recent federal court decision is an important victory for ERISA healthcare claimants asserting Mental Health Parity Act Claims against insurers, like Cigna
- [Thanksgiving](https://www.garnerltd.com/thanksgiving/): Tomorrow is Thanksgiving. I have been thinking about it a lot this year. The trajectory of our lives seldom follows a straight line. The ups and downs in life are a given, but how we respond to them is not. If, for example, you have been denied a promotion because of your race or gender,
- [Understanding Your Retirement Plan Information](https://www.garnerltd.com/understanding-your-retirement-plan-information/): Millions of Americans participate in employer-sponsored retirement plans, though many people know little about their plans or their rights under the law. When individuals work for a private sector employer, these plans are almost always governed by the Employee Retirement Income Security Act of 1974 (ERISA), which is a federal law that purports to protect
- [Are You Protected by ERISA?](https://www.garnerltd.com/are-you-protected-by-erisa/): The Employee Retirement Income Security Act of 1974, or ERISA, is a federal law that is intended to protect certain employees’ rights regarding employment benefits, including retirement benefits and certain employer-sponsored insurance coverage. Employees can suffer significant harm if an employer, benefit plan fiduciary, or insurance company mishandles funds or does not apply insurance coverage fairly,
- [Another ERISA Breach of Fiduciary Duty Claim Based on a Material Misrepresentation Survives a Motion to Dismiss](https://www.garnerltd.com/another-erisa-breach-of-fiduciary-duty-claim-based-on-a-material-misrepresentation-survives-a-motion-to-dismiss/): Following up on my recent blog post about an interesting breach of fiduciary case in Louisiana, on December 29, 2016, the U.S. District Court for the District of Maryland partially denied a motion to dismiss seeking the dismissal of an ERISA breach of fiduciary duty claim brought by a plan participant as result of a material
- [5 Things to Know About Disability Insurance Claims](https://www.garnerltd.com/5-things-to-know-about-disability-insurance-claims/): If you are sick or have been injured and have a long-term disability policy, you may be able to receive benefits under your policy.
- [Understanding ERISA Fiduciary Insurance](https://www.garnerltd.com/understanding-erisa-fiduciary-insurance/): ERISA assigns the “highest duty known to law” when a company manages an employee benefits program. This means that companies assume fiduciary duties to their employees when operating employee benefit plans. From a legal standpoint, this means that they have certain obligations that they must meet. Otherwise, the employee may sue them for a breach
- [Fifth Circuit Upholds Judgment in Favor of Long Term Disability Claimant](https://www.garnerltd.com/fifth-circuit-upholds-judgment-in-favor-of-long-term-disability-claimant/): The United States District Court for the Southern District of Mississippi correctly held that United of Omaha arbitrarily and capriciously denied the plaintiff long term disability benefits under her employer's LTD plan.
- [How to Document a Mental Health Disability](https://www.garnerltd.com/how-to-document-a-mental-health-disability/): Properly documenting a disability is critical to receiving the benefits you deserve. However, documenting a mental health disability is often harder than a physical one. You might find that you have not collected sufficient evidence to convince your insurance carrier that you qualify for benefits. To help your case, follow these tips. Meet with a
- [Do I Need to Attend an Independent Medical Exam?](https://www.garnerltd.com/do-i-need-to-attend-an-independent-medical-exam/): After an employee makes a long term disability claim, the insurance company often requests an independent medical exam (IME). During the IME, you will be examined by a doctor chosen by the insurance company. If this sounds a little suspicious, you are right for being skeptical. Often, insurers use IMEs to deny disability benefits by
- [Aetna Medical Director Admits Not Reviewing Patient Records](https://www.garnerltd.com/aetna-medical-director-admits-not-reviewing-patient-records/): Several news outlets are reporting that California’s insurance commissioner has launched an investigation into Aetna after its former medical director admitted that he did not review patient records when making a decision to deny coverage for various medical procedures. CNN’s article about this shocking revelation and emerging scandal can be found here. The revelation came
- [An Unusual PA State Court Case Addressing ERISA Preemption](https://www.garnerltd.com/an-unusual-pa-state-court-case-addressing-erisa-preemption/): The Superior Court of Pennsylvania issued a non-precedential opinion on Thursday, November 10, 2016, holding that a breach of contract action related to a series of retirement agreements that promised lifetime retiree health care was not subject to ERISA preemption. Coggins v. Keystone Foods, No. 3814 EDA 2015, 2016 Pa. Super. Unpub. LEXIS 4104 (Pa. Super.
- ["P" is for Prohibited Transaction, "S" is for Self-Dealing: How Not to Administer a Retirement Plan](https://www.garnerltd.com/p-is-for-prohibited-transaction-s-is-for-self-dealing-how-not-to-administer-a-retirement-plan/): The Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001, et seq. (“ERISA”), is the federal law that governs most employee benefit plans in the United States. As its name implies, this includes retirement plans like pension plans and 401(k) plans. The law is complicated, comprehensive, and imposes a variety of regulations and obligations
- [Chronic Pain: A New Appreciation](https://www.garnerltd.com/chronic-pain-a-new-appreciation/): Today, I have a new-found appreciation of pain and what individuals with chronic pain conditions must experience. I am very fortunate that I have spent most of my life pain-free. Sure, I have had injuries, some surgery, and moments of pain, but I have never experienced truly debilitating or chronic pain. That is, until this
- [Deadlines for Remanded Disability Claim Reviews: A Recent Decision Says 45 to 90 Days](https://www.garnerltd.com/deadlines-for-remanded-disability-claim-reviews-a-recent-decision-says-45-to-90-days/): Occasionally courts will remand a disability claim back to the plan’s claim administrator (often an insurance company) for further consideration if it finds that the claimant has been denied a full and fair review of his or her claim. The Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001, et seq. (“ERISA”) and
- [D.C. Circuit Affirms Dismissal of Stock Drop Lawsuit](https://www.garnerltd.com/d-c-circuit-affirms-dismissal-of-stock-drop-lawsuit/): Happy New Year! Following up on my last two posts that dealt with individual ERISA breach of fiduciary duty claims, this morning’s post deals with the dismissal of a potential breach of fiduciary duty class action. On December 30, 2016, the U.S. Court of Appeals for the District of Columbia Circuit affirmed the dismissal of
- [Court Declines to Remand Case Involving an Alleged Church Plan and Finds ERISA Controls Instead](https://www.garnerltd.com/court-declines-to-remand-case-involving-an-alleged-church-plan-and-finds-erisa-controls-instead/): Although the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001 et seq. (“ERISA”), regulates nearly all non-governmental employer sponsored benefit plans, a notable exception exists for so-called “church plans.” A church plan is “a plan established and maintained [] for its employees (or their beneficiaries) by a church or by a convention or association
- [A Life Insurance Fiduciary Breach Case Gets Set for Trial](https://www.garnerltd.com/a-life-insurance-fiduciary-breach-case-gets-set-for-trial/): Today’s blog post brings us another life insurance case in which an insurer and an employer were alleged to have breached their fiduciary duty to a plan participant and his beneficiary. That case, Keith v. Metro. Life Ins. Co., et al., Case No. H-15-1030, 2017 U.S. Dist. LEXIS 37263 (S.D. Tex. March 15, 2017), is
- [Fourth Circuit Rules in Favor of Employer in Retiree Health Benefits Case](https://www.garnerltd.com/fourth-circuit-rules-in-favor-of-employer-in-retiree-health-benefits-case/): In a blow to retirees, the United States Court of Appeals for the Fourth Circuit recently affirmed a decision granting summary judgment to an employer in a case involving changes to a retiree health benefits plan. See Barton v. Constellium Rolled Products-Ravenswood, LLC, Case No. 16-1103, 2017 U.S. App. LEXIS 5087, __ F.3d __ (4th Cir.
- [Court Endorses Disability Claimant’s Right to Review and Respond to New Information Prior Reaching ERISA Benefit Determination](https://www.garnerltd.com/court-endorses-disability-claimants-right-to-review-and-respond-to-new-information-prior-reaching-erisa-benefit-determination/): I was shocked to find that I have not written a blog post since late March. Time flies when you are having fun. In any event, this post will be brief and relates to a recent case in which I was involved. I recently wrote an article for the ABA’s Torts Insurance Practice Section (“TIPS”)
- [How do Insurance Companies Define Disability?](https://www.garnerltd.com/how-do-insurance-companies-define-disability/): Many long-term disability insurance claims are denied because the claimant does not qualify as having a “disability” under the policy. Even if you know your condition keeps you from working, you can still be surprised to receive a denial for this reason. Policies can vary significantly in how they define disability, and you want to
- [The Hartford Disability Insurance Claim Process: What to Expect](https://www.garnerltd.com/the-hartford-disability-insurance-claim-process-what-to-expect/): Understanding disability insurance benefits can be confusing, and having your claim denied by your insurer is all too common. If you are preparing to file a long-term disability claim with The Hartford, or if your claim has been denied, an experienced disability benefits attorney may be able to help you present a stronger case and
- [What to do if Your Accidental Death and Dismemberment Benefits Claim is Denied](https://www.garnerltd.com/what-to-do-if-your-accidental-death-and-dismemberment-benefits-claim-is-denied/): You can purchase an accidental death and dismemberment policy, known as an AD&D policy, as an addendum to a life insurance policy. These are also commonly included as a supplemental or secondary benefit with employer-sponsored life insurance benefit plans. In most situations, the benefit plan is regulated by ERISA, the Employee Retirement Income Security Act
- [Retirement Plan Claims and Overpayment: Understanding Your Rights](https://www.garnerltd.com/retirement-plan-claims-and-overpayment-understanding-your-rights/): Imagine that you are receiving monthly benefits from your employer-sponsored retirement plan. One day, you receive a surprising letter in the mail stating that you have been “overpaid” all along. Your plan administrator wants to reduce your benefits going forward and, worse yet, wants you to repay to make up for the overpayment. What happens
- [Long Term Disability Claims: What is the Claim File or so-called “Administrative Record?”](https://www.garnerltd.com/long-term-disability-claims-what-is-the-claim-file-or-so-called-administrative-record/): If you or your family member is covered by a long term disability plan obtained through a private-sector employer, it is likely that the policy is governed by a federal law called the Employee Retirement Income Security Act (ERISA). Unfortunately, some employees and beneficiaries struggle to get access to long term disability benefits when they
- [What to do if Your New Jersey Long-Term Disability Claim is Denied?](https://www.garnerltd.com/what-to-do-if-your-new-jersey-long-term-disability-claim-is-denied/): If your long-term disability claim was denied, you are likely considering filing an administrative or internal appeal. This can be a complex process, and we recommend retaining an experienced New Jersey long-term disability attorney for assistance. At The Garner Firm, Ltd., we have extensive experience handling long-term disability claims and subsequent administrative appeals. You only
- [Situations Where You Might Need an ERISA Attorney](https://www.garnerltd.com/situations-where-you-might-need-an-erisa-attorney/): ERISA stands for the Employee Retirement Income Security Act of 1974 and governs many employer-backed benefits and retirement programs around the United States. Employees who have had benefits denied under ERISA plans can benefit from the services of a skilled ERISA attorney, but they are not the only ones. It is essential to first verify
- [Common Reasons for Disability Claims](https://www.garnerltd.com/common-reasons-for-disability-claims/): Some people are born with certain disabilities, while others never imagine that they will sustain a disabling condition. This type of diagnosis and recognition of your limitations can be devastating, especially if your condition prevents you from working. Reports indicate that more than five percent of working individuals in the United States will experience short-term
- [Can You Work While Receiving LTD Benefits?](https://www.garnerltd.com/can-you-work-while-receiving-ltd-benefits/): Some people who are receiving long-term disability (LTD) benefits from their insurance policy might want to return to work if they believe they are able to do so. However, it is important to realize that in many situations, your LTD benefits can be in jeopardy once you begin earning income again. It is important to
- [What is the Life Insurance Contestability Period?](https://www.garnerltd.com/what-is-the-life-insurance-contestability-period/): Once you have purchased a new life insurance policy, your beneficiaries are not guaranteed to receive payment on any claim for the first two years of the policy. This is known as the contestability period, and the insurance company uses it to protect itself. It may refuse to pay claims if it finds that there
- [How to Appeal a Long-Term Disability Denial](https://www.garnerltd.com/how-to-appeal-a-long-term-disability-denial/): Insurance companies lose nothing by denying long term disability claims and making you fight for benefits. The quality of your appeal matters because it forms the record if you have to take your case to court.
- [Plan Sponsor's Contractual Dispute with Insurance Carrier Subject to ERISA Preemption](https://www.garnerltd.com/plan-sponsors-contractual-dispute-with-insurance-carrier-subject-to-erisa-preemption/): The United States District Court for the Eastern District of Pennsylvania recently issued an opinion holding that a contractual dispute between a health plan sponsor and the insurance carrier that it contracted with to provide health benefits to its employees was subject to ERISA preemption. See Shore v. Independence Blue Cross, Case No. 16-5224, 2016 U.S.
- [Reasons Your New Jersey Long Term Disability Claim Might be Denied](https://www.garnerltd.com/reasons-your-new-jersey-long-term-disability-claim-might-be-denied/): Many long-term disability, or LTD, policies are regulated under ERISA. This is a federal law that stands for the Employee Retirement Income Security Act. When you make a claim for benefits, it is typically evaluated by a claims adjuster who works for the insurance company. Unfortunately, it is not uncommon to have claims adjusters deny
- [What Does Accidental Death and Dismemberment Insurance Cover?](https://www.garnerltd.com/what-does-accidental-death-and-dismemberment-insurance-cover/): Many employers offer a type of insurance called accidental death and dismemberment (AD&D) coverage. This is a type of policy that supplements a life insurance policy, often increasing - or even doubling - the benefits you or your family receives under certain circumstances. If you choose to carry AD&D coverage, you should understand what it
- [Understanding the ERISA Claim Process](https://www.garnerltd.com/understanding-the-erisa-claim-process/): When you or a loved one need to file a claim with your insurance providers, such as a disability or life insurance claim, you may come across a law known as ERISA. The Employee Retirement Income Security Act of 1974, or ERISA for short, is a federal law that sets forth requirements for a majority
- [Adam H. Garner Appointed Chair of the ABA's Torts, Trial, and Insurance Practice Section's Health and Disability Insurance Committee](https://www.garnerltd.com/adam-h-garner-appointed-chair-of-the-abas-torts-trial-and-insurance-practice-sections-health-and-disability-insurance-committee/): The Garner Firm's founder, Adam H. Garner, was appointed Chair of the ABA's Health and Disability Insurance Committee, a national ERISA leadership role.
- [The Beginning of an Interesting Post-Amara ERISA Case in Louisiana](https://www.garnerltd.com/the-beginning-of-an-interesting-post-amara-erisa-case-in-louisiana/): This morning, I came across a brief and interesting decision issued by the United States District Court for the Eastern District of Louisiana addressing the scope of equitable remedies available to participants in ERISA cases. In Lauga v. Applied-Cleveland Holdings, Case No. 16-14022 SECTION: "H"(3), 2016 U.S. Dist. LEXIS 173464 (E.D. La. December 15, 2016), the
- [The Impact of a Layoff on a Long Term Disability Claim](https://www.garnerltd.com/the-impact-of-a-layoff-on-a-long-term-disability-claim/): Things have been busy at The Garner Firm, and I am behind on my blog posts. Last week, I was fortunate to attend the American Bar Association’s Torts Insurance Practice Section (“TIPS”) Mid-Winter Symposium on Insurance and Employee Benefits. During the conference, a speaker discussed the impact a lay off can have on a disabled

## Pages

- [Homepage](https://www.garnerltd.com/): Philadelphia-based Long Term Disability and ERISA attorneys representing clients nationwide in employee benefits, insurance, and employment law claims.
- [Award Methodologies](https://www.garnerltd.com/award-methodologies/): Some of our attorneys have earned recognition from the following organizations. Selection methodologies are linked below. Avvo Best Lawyers® Expertise.com Super LawyersⓇ
- [Life Insurance Claims](https://www.garnerltd.com/practice-areas/life-insurance/): Denied a claim? Our ERISA life insurance lawyer fights wrongful denials, handles appeals, and helps beneficiaries recover benefits.
- [Employee Benefits (ERISA) Litigation](https://www.garnerltd.com/practice-areas/erisa-litigation/): Denied a claim? Our experienced ERISA attorney handles disability, life, health, and pension claim appeals and litigation nationwide. Free consultation.
- [ERISA LTD Disability Insurers We Fight for You](https://www.garnerltd.com/homepage/insurers-we-litigate-against-in-erisa-benefit-claims/): The Garner Firm sues ERISA disability insurance companies like Unum, Cigna & Prudential. Experienced attorneys for denied LTD, STD & life insurance claims.
- [Practice Areas](https://www.garnerltd.com/practice-areas/): Employment law and ERISA attorneys protect employees' benefits, wages, and workplace rights. Millions recovered for clients. Free consultation.
- [Insurance Bad Faith Lawyers for Disability and Life Insurance Claims](https://www.garnerltd.com/insurance-bad-faith-lawyers-for-disability-and-life-insurance-claims/): Insurance bad faith lawyer for denied disability and life insurance claims in PA & NJ. The Garner Firm pursues punitive damages, interest, and fees.
- [How to Win a Wrongfully Denied Disability Claim](https://www.garnerltd.com/practice-areas/erisa-short-term-long-term-disability-attorneys/): Denied long-term disability benefits? Our ERISA long-term disability attorneys handle LTD appeals and lawsuits nationwide on contingency. Free consultation.
- [Accidental Death & Dismemberment Benefits](https://www.garnerltd.com/practice-areas/accidental-death-dismemberment-benefits/): Accidental death & dismemberment (AD&D) lawyers fight denied employee benefit claims. ERISA-focused representation nationwide. Free consultation.
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- [Employment Law Resources](https://www.garnerltd.com/resources/): ERISA, Disability & Employment Law Resources Official federal and state resources to help professionals understand benefit denials, appeal rights, and pay protection. This page provides official federal and state resources related to ERISA, disability insurance benefits, and wage and hour laws. Many employer-sponsored long-term disability and life insurance plans are governed by the Employee Retirement
- [Attorney Profiles](https://www.garnerltd.com/attorney-profiles/): Learn about the attorneys at The Garner Firm providing legal representation for those with ERISA and long-term disability claims and other employment law matters.
- [Privacy Policy](https://www.garnerltd.com/privacy-policy/): We value your privacy and want you to make an informed decision about using our website. Thus, the purpose of this Privacy Policy is to explains how we collect, use, and safeguard the personal information you choose to share with us. By using our website, you are providing your consent for The Garner Firm, Ltd.
- [Wage and Hour Lawyer](https://www.garnerltd.com/practice-areas/wage-hour-law/): Wage and hour lawyers recover unpaid wages and overtime and challenge employee misclassification. Millions recovered for clients. Free consultation.
- [ERISA Frequently Asked Questions](https://www.garnerltd.com/erisa-faqs/): ERISA stands for the Employee Retirement Income Security Act of 1974. It is a federal law passed in 1974 that went into effect on January 1, 1976. It governs nearly all private sector employer-provided benefit plans, including retirement plans, medical plans, life insurance plans, disability benefits, and some severance plans. It does not apply to
- [Retirement Plan Benefit Claims Attorneys](https://www.garnerltd.com/practice-areas/retirement-plan-benefit-claims/): Retirement plan benefit claims attorneys assist with denied, underpaid, and miscalculated benefits. ERISA-focused counsel. Free consultation.
- [Severance Benefits Attorneys](https://www.garnerltd.com/practice-areas/severance-benefits/): Severance benefits attorneys review, negotiate, and litigate severance agreements and disputes. Millions recovered for clients. Free consultation.
- [Blog & News](https://www.garnerltd.com/blog/): Articles and videos about ERISA and long-term disability claims and other employment law topics by employment lawyers at The Garner Firm based in Philadelphia.
- [Reviews by Clients of The Garner Firm](https://www.garnerltd.com/reviews/)
- [SERP and Other Executive Deferred Compensation Claims](https://www.garnerltd.com/practice-areas/serp-and-other-executive-deferred-compensation-claims/): Executive deferred compensation attorneys handle SERP and benefit claims amid company insolvency or sale. Millions recovered. Free consultation.
- [Employment Contract Reviews](https://www.garnerltd.com/practice-areas/employment-contract-reviews/): Employment contract review attorneys evaluate and negotiate agreements for employees, executives, and professionals. Millions recovered. Free consultation.
- [Long-Term Care Claims](https://www.garnerltd.com/practice-areas/long-term-care-claims/): Long-term care claims attorneys help policyholders appeal insurance denials and pursue benefits. Millions recovered for clients. Free consultation.
- [Labor and Employment](https://www.garnerltd.com/practice-areas/labor-and-employment/): Labor and employment attorneys help workers facing harassment, retaliation, wage, and benefits disputes. Millions recovered. Free consultation.
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- [Disclaimer](https://www.garnerltd.com/disclaimer/): This web site does not offer legal advice. All material on this web site has been prepared by THE GARNER FIRM, LTD., for general informational purposes. The information on this site does not necessarily reflect all current legal developments. No warranties or guarantees are made as to the accuracy or adequacy of the information provided

## City State

- [Philadelphia ERISA Lawyer](https://www.garnerltd.com/citystate/philadelphia-erisa-lawyer/): Philadelphia ERISA lawyer Adam Garner helps protect employee benefits with ERISA-focused advocacy. Request a free confidential consultation today.
- [Disability Insurance Attorneys Philadelphia](https://www.garnerltd.com/citystate/disability-insurance-attorneys-philadelphia/): Disability insurance attorneys in Philadelphia handle denied benefit claims with focused ERISA experience. Contact The Garner Firm for a free consultation.
- [Haverford Township Long Term Disability Lawyer](https://www.garnerltd.com/citystate/haverford-township-long-term-disability-lawyer/): A Haverford Township long term disability lawyer helps challenge benefit denials with experienced appeals advocacy. Schedule a free consultation today.
- [Long Term Disability Attorney in Lower Merion Township](https://www.garnerltd.com/citystate/long-term-disability-attorney-in-lower-merion-township/): Need a long term disability attorney in Lower Merion Township? Our ERISA-focused firm handles denied claims. Request a free case review today.
- [Long Term Disability Attorney in Philadelphia](https://www.garnerltd.com/citystate/long-term-disability-attorney-in-philadelphia/): Philadelphia long term disability attorney fights unfair denials on a contingency basis. Get ERISA support from The Garner Firm in a free consultation.
- [Long Term Disability Attorney Near Me](https://www.garnerltd.com/citystate/long-term-disability-attorney-near-me/): Looking for a long term disability attorney near you? The Garner Firm serves PA and NJ with ERISA claim experience. Get a free consultation.
- [Long Term Disability Denial Attorneys Near Me](https://www.garnerltd.com/citystate/long-term-disability-denial-attorneys-near-me/): Long term disability denial attorneys help PA and NJ claimants appeal denied benefits. Speak with our ERISA-focused firm in a free consultation.
- [LTD Insurance Attorneys Philadelphia](https://www.garnerltd.com/citystate/ltd-insurance-attorneys-philadelphia/): Philadelphia LTD insurance attorneys fight denied disability benefits through the ERISA appeals process. Contact The Garner Firm for a free consultation.
- [Mt. Holly Long Term Disability Attorneys](https://www.garnerltd.com/citystate/mt-holly-long-term-disability-attorneys/): Mt. Holly long term disability attorneys help challenge denied benefits with skilled ERISA appeals experience. Request a free case review today.
- [Newtown Square Long Term Disability Lawyer](https://www.garnerltd.com/citystate/newtown-square-long-term-disability-lawyer/): A Newtown Square long term disability lawyer helps protect denied benefit claims with focused ERISA advocacy. Call for a free consultation today.
- [Philadelphia ERISA Disability Appeals Lawyer](https://www.garnerltd.com/citystate/philadelphia-erisa-disability-appeals-lawyer/): A Philadelphia ERISA disability appeals lawyer prepares strong administrative appeals for denied benefits. Talk to The Garner Firm in a free consultation.
- [Philadelphia Long Term Disability Insurance Lawyer](https://www.garnerltd.com/citystate/philadelphia-long-term-disability-insurance-lawyer/): A Philadelphia long term disability insurance lawyer helps fight denied claims on a contingency basis. Request a free consultation with our team.
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- [Wage and Hour Attorneys in Blue Bell](https://www.garnerltd.com/citystate/wage-and-hour-attorneys-in-blue-bell/): Wage and hour attorneys in Blue Bell pursue unpaid wages with employee-focused representation. Contact The Garner Firm for a free consultation.
- [West Chester ERISA Attorney](https://www.garnerltd.com/citystate/west-chester-erisa-attorney/): A West Chester ERISA attorney safeguards employee benefit rights through claims and litigation counsel. Book a free confidential consultation today.
- [Malvern Long Term Disability Attorneys](https://www.garnerltd.com/citystate/malvern-long-term-disability-attorneys/): Malvern long term disability attorneys challenge denied benefits with ERISA-focused legal experience. Speak with our team in a free consultation.
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- [Choose a Skilled Long Term Disability Attorney in Mt. Holly Who Can Help Get Your Claim Paid](https://www.garnerltd.com/citystate/choose-a-skilled-long-term-disability-attorney-in-mt-holly-who-can-help-get-your-claim-paid/): Choose a Mt. Holly long term disability attorney to help pursue denied benefits with proven appeals experience. Schedule a free consultation today.
- [Long Term Care Lawyers Near Malvern](https://www.garnerltd.com/citystate/long-term-care-lawyers-near-malvern/): Long term care lawyers near Malvern help challenge denied care benefits with ERISA-focused advocacy. Contact our firm for a free consultation.
- [Life Insurance Attorneys in Lower Merion Township](https://www.garnerltd.com/citystate/life-insurance-attorneys-in-lower-merion-township/): Life insurance attorneys in Lower Merion Township help appeal denied claims with experienced guidance. Request a free confidential consultation today.
- [Life Insurance Attorney Haverford Township](https://www.garnerltd.com/citystate/life-insurance-attorney-haverford-township/): A Haverford Township life insurance attorney helps challenge denied claims with focused appeals experience. Call for a free consultation today.
- [ERISA Lawyer Philadelphia](https://www.garnerltd.com/citystate/erisa-lawyer-philadelphia/): A Philadelphia ERISA lawyer protects employee benefit rights through claims and appeals. Contact The Garner Firm for a free confidential consultation.
- [ERISA Claims Lawyer Near Me](https://www.garnerltd.com/citystate/erisa-claims-lawyer-near-me/): Need an ERISA claims lawyer near you? The Garner Firm serves PA and NJ with focused benefit-appeals experience. Request a free consultation.
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- [West Chester Long Term Disability Lawyers](https://www.garnerltd.com/citystate/west-chester-long-term-disability-lawyers/): West Chester long term disability lawyers contest benefit denials using tailored ERISA claim strategy. Meet with our team for a free case review today.
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- [A Radnor Severance Agreement Lawyer Can Protect Your Legal Rights  ](https://www.garnerltd.com/citystate/a-radnor-severance-agreement-lawyer-can-protect-your-legal-rights/): A Radnor severance agreement lawyer helps employees evaluate restrictive terms before signing. Request a free confidential case review from our firm today.
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- [Philadelphia Long Term Disability Attorney](https://www.garnerltd.com/citystate/philadelphia-long-term-disability-attorney/): A Philadelphia long term disability attorney helps pursue denied benefits with seasoned ERISA appeals experience. Call for a free consultation today.
- [Moorestown Township Life Insurance Denial Lawyer](https://www.garnerltd.com/citystate/moorestown-township-life-insurance-denial-lawyer/): A Moorestown Township life insurance denial lawyer helps appeal wrongful claim denials with focused guidance. Request a free consultation today.
- [Dedicated Employee Benefits Lawyer Serving Clients in Lower Merion Township, PA](https://www.garnerltd.com/citystate/dedicated-employee-benefits-lawyer-serving-clients-in-lower-merion-township-pa/): A Lower Merion Township employee benefits lawyer protects workplace benefits with ERISA-focused advocacy. Contact The Garner Firm for a free review.
- [Long Term Disability Lawyers Philadelphia](https://www.garnerltd.com/citystate/long-term-disability-lawyers-philadelphia/): Philadelphia long term disability lawyers help fight benefit denials with ERISA-focused appeals advocacy. Get a free confidential consultation today.
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- [Long Term Disability Lawyers Doylestown](https://www.garnerltd.com/citystate/long-term-disability-lawyers-doylestown/): Doylestown long term disability lawyers challenge denied claims with contingency-fee representation. Contact The Garner Firm for a free consultation.
- [Long Term Disability Lawyer Near Villanova](https://www.garnerltd.com/citystate/long-term-disability-lawyer-near-villanova/): A long term disability lawyer near Villanova helps contest denied benefits through ERISA appeals. Schedule a free confidential consultation today.
- [Long Term Disability Lawyer Near Me](https://www.garnerltd.com/citystate/long-term-disability-lawyer-near-me/): Need a long term disability lawyer near you? Our PA and NJ firm handles denied claims with ERISA experience. Call for a free consultation today.
- [Our Radnor Township Long Term Disability Attorneys are Here for You When Your Disability Benefits are Denied](https://www.garnerltd.com/citystate/our-radnor-township-long-term-disability-attorneys-are-here-for-you-when-your-disability-benefits-are-denied/): Radnor Township long term disability attorneys help with denied benefits through ERISA appeals. Contact The Garner Firm for a free consultation today.
- [Life Insurance Lawyer Near Me](https://www.garnerltd.com/citystate/life-insurance-lawyer-near-me/): A life insurance lawyer near you helps PA and NJ families appeal denied claims with experienced guidance. Request a free consultation today.
- [Hartford Disability Lawsuit in Philadelphia](https://www.garnerltd.com/citystate/hartford-disability-lawsuit-in-philadelphia/): A Hartford disability lawsuit lawyer in Philadelphia helps challenge wrongful claim denials with ERISA-focused litigation experience. Call today.
- [ERISA Claims Attorney Cherry Hill Township](https://www.garnerltd.com/citystate/erisa-claims-attorney-cherry-hill-township/): An ERISA claims attorney in Cherry Hill Township helps pursue employee benefits with focused appeals counsel. Request a free consultation today.
- [Your Employee Benefits, Employment, and Wages are Valuable.](https://www.garnerltd.com/citystate/your-employee-benefits-employment-and-wages-are-valuable/): For employee benefits, employment, and wage claims in PA and NJ, choose an employee-focused firm. Contact us for a free case consultation today.
- [Doylestown Long Term Disability Attorney](https://www.garnerltd.com/citystate/doylestown-long-term-disability-attorney/): A Doylestown long term disability attorney helps appeal denied benefits with focused ERISA experience. Schedule a free consultation with our firm.
- [Cherry Hill Township Life Insurance Appeals Attorney](https://www.garnerltd.com/citystate/cherry-hill-township-life-insurance-appeals-attorney/): A Cherry Hill Township life insurance appeals attorney helps challenge denied claims with experienced guidance. Contact us for a free consultation.
- [Cherry Hill Long Term Disability Attorney](https://www.garnerltd.com/citystate/cherry-hill-long-term-disability-attorney/): A Cherry Hill long term disability attorney helps fight denied benefits through the ERISA appeals process. Request a free case review today.
- [Cherry Hill Life Insurance Lawyer](https://www.garnerltd.com/citystate/cherry-hill-life-insurance-lawyer/): A Cherry Hill life insurance lawyer helps families appeal denied claims with compassionate, experienced guidance. Call for a free consultation today.
- [Cherry Hill ERISA Attorney](https://www.garnerltd.com/citystate/cherry-hill-erisa-attorney/): A Cherry Hill ERISA attorney protects employee benefit rights with focused claims and appeals advocacy. Contact The Garner Firm for a free review.
- [Cherry Hill Township ERISA Lawyer](https://www.garnerltd.com/citystate/cherry-hill-township-erisa-lawyer/): A Cherry Hill Township ERISA lawyer helps pursue employee benefits with dedicated appeals experience. Request a free confidential consultation today.
- [Blue Bell Long Term Disability Lawyer](https://www.garnerltd.com/citystate/blue-bell-long-term-disability-lawyer/): A Blue Bell long term disability lawyer helps challenge denied benefits with experienced ERISA counsel. Contact our firm for a free consultation.
- [Blue Bell ERISA Attorneys ](https://www.garnerltd.com/citystate/blue-bell-erisa-attorneys/): Blue Bell ERISA attorneys protect employee benefit rights with focused claims and appeals representation. Request a free consultation with our team.

## Profiles

- [Melanie Garner](https://www.garnerltd.com/attorney-profiles/melanie-garner/): Melanie Garner is an experienced ERISA attorney at The Garner Firm in Philadelphia. Over 20 years handling ERISA benefits, insurance, and employment cases.
- [Zachary Lipschutz](https://www.garnerltd.com/attorney-profiles/zachary-lipschutz/): ERISA and Long-Term Disability Attorney Zachary Lipschutz represents individuals in ERISA and long-term disability disputes, fighting for clients whose benefits have been wrongfully denied or terminated. He approaches every case with a litigator’s mindset, ensuring clients are positioned to win from day one. A Strategic Approach to Every ERISA and LTD Dispute No two disability Zachary Lipschutz is an ERISA and long-term disability attorney in Philadelphia.
- [Jake Day](https://www.garnerltd.com/attorney-profiles/jake-day/): Jake Day is an ERISA attorney at The Garner Firm in Philadelphia. Experienced in disability claims, retirement benefits, and employment law.
- [Adam H. Garner](https://www.garnerltd.com/attorney-profiles/adam-garner/): Adam H. Garner is an experienced ERISA attorney in Philadelphia. Nationwide authority on long-term disability, life insurance, and retirement plan claims.

## Reviews

- [Highly Recommend!](https://www.garnerltd.com/reviews/highly-recommend-3/)
- [Adam and his team are great.](https://www.garnerltd.com/reviews/669/)
- [Excellent Service](https://www.garnerltd.com/reviews/excellent-service-2/)
- [Best ERISA Attorney in Philadelphia](https://www.garnerltd.com/reviews/best-erisa-attorney-in-philadelphia/)
- [Outstanding Service](https://www.garnerltd.com/reviews/outstanding-service/)
- [Excellent Disability Lawyer](https://www.garnerltd.com/reviews/excellent-disability-lawyer/)
- [Excellent Service](https://www.garnerltd.com/reviews/excellent-service/)
- [What a great attorney,](https://www.garnerltd.com/reviews/what-a-great-attorney/)
- [Highly Recommend](https://www.garnerltd.com/reviews/highly-recommend/)
- [Exceptional Job](https://www.garnerltd.com/reviews/exceptional-job/)
- [Adam Garner is a Terrific Attorney](https://www.garnerltd.com/reviews/adam-garner-is-a-terrific-attorney/)
- [The Absolute Best](https://www.garnerltd.com/reviews/the-absolute-best/)
- [Highly Recommend](https://www.garnerltd.com/reviews/highly-recommend-2/)
- [Best possible lawyer anyone could ask for!](https://www.garnerltd.com/reviews/best-possible-lawyer-anyone-could-ask-for/)
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- [Top flight attorney](https://www.garnerltd.com/reviews/top-flight-attorney/)
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- [Lawyer](https://www.garnerltd.com/reviews/lawyer/)