Your Insurer Denied Your Claim.
We Make Them Pay.
When an insurance company cuts off your disability benefits, you need an attorney who knows ERISA inside and out. Feden Law Group fights denied disability claims nationwide—from administrative appeals through federal court.
Free Case EvaluationEvery Type of Disability Claim
ERISA Group Disability
Employer-sponsored short and long term disability plans governed by federal ERISA law. This is the most common type of disability claim—and the most aggressively denied.
Individual Disability Policies
Privately purchased disability insurance policies with “own occupation” or “any occupation” definitions. Different rules, same insurer tactics.
Short Term Disability
Denied from day one or cut off early. We challenge STD denials and build the record to protect your transition to long term benefits.
Long Term Disability
Benefits terminated after 24 months? “Own occupation” changed to “any occupation”? We know every angle insurers use to cut you off—and how to beat them.
How We Fight Your Denial
Claim File Demand
We demand the complete claim file from your insurer—every document, every internal note, every piece of evidence they relied on to deny you.
Denial Analysis
We dissect the denial letter, identify every weakness in the insurer’s reasoning, and map out exactly what new evidence will dismantle their position.
Evidence Building
New medical opinions, updated treatment records, vocational assessments, functional capacity evaluations—we build the record the insurer doesn’t want to see.
Appeal or Litigation
We file a comprehensive administrative appeal—or, if the appeal is exhausted, take the fight to federal court to recover your benefits.
Why Insurers Deny Claims
“Insufficient Medical Evidence”
The most common reason. The insurer claims your medical records don’t support disability—often ignoring or cherry-picking the evidence that does.
Paper-Only “Independent” Reviews
Insurers pay doctors who never examine you to review your file and conclude you can work. These reviewers are hired to deny—and we expose that.
Surveillance & Social Media
Your insurer may hire investigators to follow you or scour your social media, then take moments out of context to argue you’re not disabled.
“Own Occupation” to “Any Occupation” Switch
Most LTD policies change the definition of disability after 24 months. Insurers use this transition to terminate benefits—even when you clearly cannot work.
Mental Health & Subjective Condition Limitations
Many policies cap mental health benefits at 24 months or dismiss conditions like chronic pain, fibromyalgia, and chronic fatigue because they’re “self-reported.”
Pre-Existing Condition Exclusions
Insurers comb your medical history for any related treatment before coverage began, then use it as a basis to exclude your claim entirely.
Built to Beat Insurance Companies
Disability insurance companies have teams of lawyers, in-house doctors, and decades of practice denying claims. They count on claimants giving up or hiring a general practitioner who doesn’t know ERISA.
We are not that firm. Feden Law Group focuses on disability insurance disputes. We understand the administrative record, the standard of review, and the federal court landscape. We know how insurers build denial files—because we’ve torn apart hundreds of them.
We represent clients nationwide. You don’t need a local attorney for a federal ERISA case—you need the right one.
ERISA-Focused Practice
This is what we do. Not a sideline—our core practice area.
Nationwide Representation
ERISA is federal law. We handle cases in every state.
Hands-On Representation
Small firm attention, big firm results. Your case is never just a file number.
Contingency Fee
No upfront cost. We get paid when you get paid.
We Know These Insurers Inside & Out
Common Questions
Stop Waiting. Start Fighting.
Every day without benefits is a day the insurer wins. Book a free consultation and let us review your denial—no cost, no obligation.
Book Your Free Consultation Or call (215) 568-1944