Serving clients throughout PA, NJ, NY, and MD. If your LTD insurer denied your appeal, the next step is federal court litigation under ERISA. Siddons Law Firm represents LTD plaintiffs in federal court. Call (610) 255-7500.

Key Takeaways

  • ERISA LTD cases are decided by a federal judge, not a jury, based on the administrative record.
  • Courts apply “arbitrary and capricious” or “de novo” review depending on whether the policy grants discretionary authority.
  • Successful cases recover back benefits, future benefits (or lump-sum settlement), and in some cases attorney’s fees.
  • Many cases settle before trial based on the strength of the administrative record.

Who May Qualify

  1. You had an LTD claim denied.
  2. You exhausted the internal administrative appeal.
  3. You filed suit within your policy’s or state’s limitation period (typically 3 years from final denial).

Start Your Litigation

Call (610) 255-7500 or email msiddons@siddonslaw.com. Serving PA, NJ, NY, and MD.