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Law Office of Justin Frankel

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Site title: Disability Claim Lawyer | Law Office of Justin Frankel

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Message History

Living with multiple sclerosis (MS) is challenging enough. Navigating the long-term disability (LTD) insurance system on top of that? Overwhelming.

Many people with MS find themselves struggling to keep up with work demands, only to be denied the very disability benefits that were supposed to protect them.

If you’re facing this situation, you’re not alone. MS di...

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Most people assume disability insurance only applies when you’re completely unable to work. But what happens if you’re partially disabled—still working, yet earning less due to a medical condition?

That’s where residual disability claims come in. These claims protect professionals whose income drops because of a covered illness or injury—even if they continue working p...

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Living with an invisible illness is exhausting enough.

Trying to prove your disability to an insurance company shouldn’t be another battle — but for millions of people with ME/CFS, fibromyalgia, or chronic pain, it is.

These conditions can take over your life:

  • Relentless fatigue
  • Widespread pain
  • Brain f...
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    At the Law Office of Justin C. Frankel, P.C., we understand how devastating it can be to receive a denial letter after filing a long-term disability (LTD) claim. You’ve paid your premiums, followed the rules, and now you’re being told your benefits won’t be paid. But a denial is not the end — it’s the beginning of your appeal.

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    Key Takeaways

  • ERISA is a federal law that regulates most private-sector retirement, health, and disability benefit plans.
  • Employees covered by ERISA have rights to plan information, appeals for denied benefits, and legal remedies for fiduciary breaches.
  • Government plans, church plans, and certain payroll-based benefits are not cover...
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