New York ERISA Litigation Lawyers

You have worked hard for your employee benefits, including long-term disability coverage through your job. Denying, delaying, or undervaluing a disability claim can make you feel as if the system is conspiring against you. The paperwork can be overwhelming, deadlines are often strict, and plan language is difficult to understand. Without guidance, you risk losing benefits you relied on during a difficult time.

At the Law Office of Justin C. Frankel, PC, we understand the frustration and anxiety that often come with an employee benefits dispute. Our role is to guide you through each step of the ERISA process, explain your rights, and advocate for the benefits owed under your plan.

Why Hire an ERISA Litigation Attorney in New York

ERISA, the Employee Retirement Income Security Act of 1974, is a federal law that governs most private-sector employer-sponsored benefit plans, including group long-term disability coverage. The claims and appeals process is highly technical, with strict procedural rules and detailed plan documents that control how benefit decisions are made.

Working with an attorney familiar with ERISA litigation in New York federal courts can help you navigate these requirements and avoid common procedural pitfalls.

Our ERISA attorneys assist by:

• Interpreting Department of Labor regulations and other federal rules that affect ERISA-governed benefit plans
• Evaluating whether plan administrators and fiduciaries complied with their legal obligations
• Managing the ERISA appeal process and, when appropriate, pursuing litigation in federal court
• Addressing wrongful denials involving disability benefits

Why Individuals Turn to The Law Office of Justin C. Frankel, PC

People facing ERISA and long-term disability disputes often come to us after experiencing denied, delayed, or terminated benefits. These situations frequently arise at a time when someone is no longer able to work and financial stability is already under strain. Our practice is focused on guiding individuals through the ERISA process with clear communication, careful preparation, and close attention to the administrative record that governs these cases.

A Practice Focused on Long-Term Disability and ERISA Claims

Our legal work centers on representing long-term disability insurance policyholders in ERISA appeals, administrative proceedings, and related litigation. This focused approach allows us to develop a deep understanding of how disability claims are evaluated, how insurers apply plan language, and how ERISA procedures affect the outcome of a case.

Justin C. Frankel has devoted his legal career to representing individuals whose long-term disability benefits have been denied, delayed, or terminated. He represents clients in ERISA appeals and administrative proceedings on an ongoing basis and has working knowledge of the rules, deadlines, and procedural requirements that shape these claims.

Experience With Complex Disability Claims and Ongoing Benefit Issues

Long-term disability insurance claims are complex and often require sustained attention over time. Some matters involve a single appeal or dispute, while others require continued representation to address repeated reviews, benefit terminations, or insurer requests for additional information.

We work with individuals across a wide range of professions and medical conditions, including those dealing with chronic pain, progressive illnesses, and conditions that are difficult to measure through objective testing alone. Our approach emphasizes understanding how a disability affects daily functioning and the ability to perform occupational duties, then presenting that information in a way that aligns with plan requirements.

Results Achieved and Recognition Within the Legal Community

Over the course of his career, Justin C. Frankel has helped secure substantial disability benefits for individuals through ERISA appeals and litigation, with recoveries collectively exceeding $300 million. The specific facts and policy terms involved influence past results, and we evaluate each claim on its own merits.

His work has been recognized by independent legal organizations, including an AV® Preeminent Peer Review Rating from Martindale-Hubbell® and repeated selection to the Super Lawyers New York Metro list. These recognitions reflect peer evaluation and professional standing, not outcomes in any individual case.

Communication and Transparency in Client Service

Our law firm aims to communicate clearly about how ERISA applies, what the claims or appeal process involves, and the scope of representation. An initial free consultation is available to discuss disability insurance and other ERISA-governed benefit concerns, allowing individuals to better understand their options before deciding how to proceed.

Our Client Testimonials and Success Stories

“After more than nine years on LTD, my insurance carrier terminated me without any warning or notice. I was devastated, and I honestly didn’t realize that they could do this. To make matters worse, they called me at a most difficult time. My father, who was on Hospice, died the following day, in my home. Not knowing where to turn for help, I did a Google search and found Justin Frankel. From the very first phone call, Justin put my mind at ease. He did not over-promise, but I felt reassured knowing that my case was in the hands of someone who was experienced and confident. Throughout the entire process, every step of the way, Justin and his assistant, Christina, communicated clearly to me and helped me navigate the LTD appeals process. They assisted me in gathering my medical records, statements from physicians, and my family. As I continued to see physicians and obtain tests to support my appeal, they provided helpful advice. My appeal was filed ahead of schedule and was thorough and comprehensive. Several weeks later, when my carrier requested an IME, Justin walked me through what to expect and helped me feel confident. Most importantly, I never once felt that I was alone in my fight against the big insurance company. Of course, the best part was receiving the phone call from Justin and Christina, informing me that we had won the appeal! That phone call was a celebration! They celebrated with me because they cared, and they were happy for such a positive outcome. I highly recommend Justin Frankel for representation in any matter concerning disability insurance. His knowledge, expertise and compassion make him an excellent choice.” — Mary

“When my LTD payments were terminated, I didn’t know what would happen to me, or to my house, car, etc. Right away I began searching for an appropriate attorney in this very specialized area of law. Justin’s web site was the most outstanding one out there, with lots of helpful info – it really showed his firm was exactly what I needed. After talking to Justin on the phone twice, I hired him right away. I never regretted it for one minute. Justin and his staff, particularly his paralegal Kathleen were top notch, not only in knowledge but in helping me through the long appeals process. They made the process easy for me, and I can’t thank them enough. We won! The documents Justin and Kathleen wrote were very complete, incredibly well written, and have I said we won! If you have a LTD case of any kind I would highly recommend Justin Frankel. I can’t say enough good things about the firm. I would certainly send my family members and friends to Justin if they needed this very special type of legal advice!” — Andrew

How Our New York ERISA Attorneys Can Assist With Benefits Disputes

Our New York ERISA attorneys assist individuals and retirees with disputes involving employee benefit plans governed by federal law. Our work focuses on evaluating benefit claims, addressing denials, and navigating the ERISA administrative and litigation process.

Reviewing Your ERISA Benefits and Plan Documents

We review summary plan descriptions, insurance policies, and related plan documents to understand how benefits are defined, administered, and evaluated under ERISA.

Assisting With ERISA Disability Claims

We assist with ERISA-governed long-term disability claims by organizing medical and occupational evidence, reviewing plan definitions of disability, and preparing submissions that align with plan requirements and procedural rules.

Challenging Denied ERISA Benefit Claims

If disability benefits are denied or terminated, we review the insurer’s stated reasons, identify gaps in the record, and prepare a focused administrative appeal addressing plan terms and supporting evidence.

Addressing ERISA-Governed Benefit Disputes

We assist with ERISA-governed benefit disputes, with a primary focus on long-term disability claims. This includes reviewing plan interpretations, eligibility determinations, and how benefit provisions are applied during claim reviews and appeals.

Litigating ERISA Claims in Federal Court

When an ERISA dispute cannot be resolved through the administrative process, we represent individuals in federal court litigation based on the administrative record developed during the appeal.

How Can I Find a Reputable ERISA Lawyer in New York to Help With My Benefits Claim?

Choosing an attorney for an ERISA matter requires careful evaluation. ERISA claims are governed by federal law and follow a process that differs significantly from other types of legal disputes. Working with a lawyer who regularly handles ERISA cases can help you understand what to expect and how your claim may be evaluated.

When researching potential attorneys, consider whether they:

• Focus their practice on ERISA and employee benefits law
• Have experience handling ERISA claims and appeals in federal court
• Can explain their approach to benefits disputes in clear, practical terms
• Are admitted in New York and current with New York attorney registration requirements
• Provide transparent information about prior ERISA-related matters

What to Look for When Selecting an ERISA Attorney

Selecting an ERISA attorney involves more than reviewing credentials. Because ERISA cases are driven by the administrative record and strict procedural rules, it is important to understand how a lawyer approaches claims, appeals, and litigation.

When evaluating an attorney, consider whether they:

• Focus their practice on ERISA litigation rather than general legal matters
• Have experience handling claims similar in scope and complexity
• Participate in professional organizations related to employee benefits law
• Explain who will be responsible for day-to-day handling of your matter

What Questions Should I Ask When Speaking With an ERISA Lawyer in New York?

Preparing questions in advance can help you better understand an attorney’s experience and approach to ERISA matters. Because outcomes and timelines vary based on plan terms and procedural requirements, the focus should be on process, communication, and scope of representation.

Helpful questions include:

• How long have you handled ERISA claims and appeals?
• Will you be directly involved in handling my matter?
• How do you approach ERISA appeals and litigation?
• What is your fee structure for ERISA-related work?
• How will you communicate updates and next steps during the process?

What ERISA Means for Employee Benefit Plans in New York

ERISA, the Employee Retirement Income Security Act of 1974, is a federal law that governs most employer-sponsored benefit plans in the private sector. The law establishes the framework for evaluating, administering, and challenging benefit claims nationwide, including plans administered in New York.

Under ERISA, employee benefit plans are subject to standards that address:

• How benefit plans are administered and interpreted
• Fiduciary responsibilities for those managing plan operations and assets
• Disclosure obligations requiring plan administrators to provide specific information to plan participants

How Group ERISA Disability Benefit Offsets Work

Many group long-term disability policies include offset provisions that allow an insurer to reduce monthly benefits based on other income sources permitted under the policy. The specific offsets that apply depend on the terms of the individual plan and can affect how benefits are calculated over time.

Common Types of ERISA Benefit Disputes

ERISA disputes often arise when plan administrators interpret policy terms narrowly or apply procedural rules in ways that affect benefit eligibility or continuation. These disputes commonly involve complex plan language and require careful review of both the claim record and governing documents.

We regularly assist with ERISA matters involving:

• Denied or terminated long-term disability benefit claims
• Alleged failures by plan fiduciaries to follow ERISA-required standards
• Conflicts involving plan interpretation, eligibility criteria, or benefit definitions

Challenging a Denied ERISA Benefits Claim

When benefits are denied or terminated, ERISA requires claimants to follow a structured administrative appeal process before most disputes can move forward. This stage is often the last opportunity to submit evidence and clarify how the claim meets the plan’s requirements.

An effective appeal focuses on the reasons given for the denial and addresses them directly. This may involve analyzing plan language, identifying weaknesses in the insurer’s conclusions, and supplementing the record with additional medical or vocational information.

Key considerations during this phase often include:

• How the plan defines eligibility or disability
• Whether the insurer applied those definitions consistently
• What additional documentation the plan allows at the appeal stage
• How the appeal record may affect any future federal court review

Filing an ERISA Claim or Appeal

Filing an ERISA claim or appeal involves strict procedural requirements that are controlled by the terms of the benefit plan. The information submitted at this stage becomes part of the administrative record, which is often the primary evidence reviewed if a dispute later proceeds to federal court.

The process generally involves:

• Reviewing applicable plan documents and claim procedures
• Submitting medical and occupational evidence required by the plan
• Completing claim and appeal materials in accordance with plan rules
• Filing an administrative appeal if benefits are denied or terminated

ERISA Litigation in New York Federal Court

If the administrative appeal process fails to resolve an ERISA dispute, federal court litigation may be the next step. Unlike many other types of cases, ERISA litigation is often decided by a judge based primarily on the administrative record developed during the claim and appeal process.

Court review generally focuses on written submissions rather than witness testimony. The parties present legal arguments through briefs, and the court evaluates whether the benefit determination complied with the terms of the plan and applicable ERISA standards.

Get Help Navigating an ERISA Benefits Dispute

ERISA disputes can affect income, benefits, and long-term financial stability. When a claim is denied, terminated, or delayed, the process is governed by detailed plan terms and strict procedural rules that can be difficult to navigate without guidance. We help individuals understand how their benefit plans apply, what the ERISA process requires, and how to respond strategically at each stage of a dispute.

At the Law Office of Justin C. Frankel, PC, we focus on ERISA litigation and employee benefits law. Our work centers on careful review of plan documents, thorough development of the administrative record, and clear communication throughout the claim or appeal process. We handle these matters with attention to detail and a practical understanding of how ERISA cases are evaluated.

We offer a free initial consultation to discuss your ERISA-related benefits issue and explain how we may be able to assist. To speak with our legal team, call 888-583-4959 or submit an inquiry through our confidential contact form.