LTD CLAIMS & APPEALS Prepared for Every Step of the Process Free Consultation

Nationwide Long-Term Disability Claim Attorneys

Protecting Your Right to the Benefits You're Owed

Long-term disability benefits often become essential when an illness or injury prevents someone from returning to work for months or even years. These benefits are designed to replace a portion of a worker’s income during a period when earning a living is no longer possible due to a serious medical condition. For many families, long-term disability coverage becomes a financial lifeline, helping cover everyday expenses, medical care, and long-term recovery. Individuals dealing with complex policy issues or claim disputes may benefit from learning more about how disability insurance claims are handled and what legal options are available.

Unfortunately, obtaining and maintaining these benefits is not always straightforward. While disability insurance policies are meant to protect workers and their families, insurance companies frequently challenge claims, delay approvals, or terminate benefits after they have already begun. Individuals who rely on these payments may suddenly face financial uncertainty while also coping with serious health conditions.

When this happens, having experienced legal guidance can make a meaningful difference. Rosen Moss Snyder LLP helps individuals across the country pursue the long-term disability benefits they are entitled to under their policies. Our attorneys understand how insurance companies evaluate claims and how to confront unfair denials or terminations. By carefully reviewing policies, gathering strong evidence, and preparing well-supported claims and appeals, we work to protect our clients’ financial stability during difficult times. If your long-term disability claim has been denied, delayed, or terminated, we encourage you to contact RMS Law to discuss your situation.

Understanding Long-Term Disability Insurance Benefits

 

Long-term disability insurance is designed to provide income replacement when a medical condition prevents someone from working for an extended period of time. These policies are often offered through employers as part of employee benefit packages, though individuals can also purchase private disability insurance policies.

In many cases, long-term disability coverage begins after short-term disability benefits have been exhausted. Policies typically include a waiting or elimination period that may range from several weeks to several months before benefits begin. Once approved, long-term disability benefits may continue for a set number of years or until the policyholder reaches retirement age, depending on the policy terms.

A critical part of any disability insurance policy is the definition of disability. Some policies define disability based on a person’s inability to perform the duties of their own occupation, while others require proof that the person cannot perform any occupation for which they are reasonably qualified by education, training, or experience. This distinction can significantly affect whether a claim is approved.

Many employer-sponsored disability policies are governed by federal regulations under the Employee Retirement Income Security Act (ERISA). An ERISA long-term disability claim must follow strict procedures and deadlines, particularly when filing appeals after a denial. Because these cases often involve detailed policy language and complex administrative rules, careful preparation is essential.

In some cases, individuals who qualify for long-term disability benefits may also be eligible for government disability programs, such as Social Security disability benefits, which can provide financial support during extended periods away from work.

Understanding the terms of a disability policy and how they apply to a particular medical condition is an important step in pursuing long-term disability benefits.

Why Long-Term Disability Claims Are Denied

Insurance companies often conduct extensive reviews before approving or continuing disability benefits. While some claims are approved without significant difficulty, others encounter unexpected obstacles that can lead to denials or terminations.

One of the most common reasons for denial is insufficient medical evidence. Insurance companies may argue that medical records do not adequately demonstrate how a condition prevents someone from performing their job duties. Even when individuals have legitimate medical limitations, insurers sometimes claim that the documentation does not meet the policy’s requirements.

Policy interpretation disputes can also lead to denials. Insurance companies may interpret certain policy terms in ways that limit eligibility for benefits. For example, they may argue that the claimant can still perform another type of job even if they cannot return to their previous occupation.

Surveillance and claim monitoring may also play a role in disability claim decisions. Some insurance companies review social media activity or conduct surveillance in an attempt to identify activities that appear inconsistent with the claimed disability. These activities may be taken out of context and used to challenge the claim.

Insurance companies also frequently conduct periodic claim reviews. During these reviews, they may request updated medical records, independent medical examinations, or functional capacity evaluations. If the insurer believes the medical evidence no longer supports disability, they may terminate benefits.

When a claim is denied or terminated, working with a long-term disability denial attorney can help individuals understand their rights and explore the next steps available under the policy.

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What Our Clients Have to Say

  • "We will always be grateful for ALL of the things you have done for us over the years!!"
    I just wanted to take a moment to thank Danny Moss for his recent help with a Government Medicare matter from years ago. My wife is now suffering from cancer and Danny so graciously offered to handle this matter for us free of charge. His efforts paid off! It was such a relief to see the letter saying the case was now closed! One less worry for me and my wife. THANK YOU SO VERY MUCH DAN! -And please thank your assistant. She was a very NICE person to talk to. We will always be grateful for ALL of the things
    Larry B.
  • "Marc has been wonderful to work with"
    Excellent communication, professionalism, responsiveness, and results.
    Amy Montemarano
  • "He Truly Leveled the Playing Field"
    It’s rare to find an attorney who combines this level of skill with genuine care and integrity.
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    Thoughtful, thorough, empathetic, and a great advocate who knows the laws.
    SAM EARLE
  • "I Was Blessed to Have Been Referred to RMS"
    Without Chris Harris I would not have been approved for any benefits that I deserved.
    Angie
  • "Marc Snyder Will Not Steer You Wrong"
    Appreciate the service and recommend to anyone who has concerns with applying for SSDI.
    maureen robinson
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    He works hard and is relentless at protecting the rights of his clients.
    M
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    Within 2 months of diligence he got the decision reversed and I received the 2 months of benefits and now I'm on LTD.
    Craig Beal
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    Michelle Ivey
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    Chris Gagliardi
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    Jennifer Hayman
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    Rich Habibi
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    Sheila
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    Glenn Rees
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    Kim Riddick
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    Vivian Kale
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    Terri Arruzzo
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    Aaron Harper
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    curt matherly
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    Courtney Farmer-Metcalf
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    Marc made me feel as if I was his only client.
    Danielle Turner
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    Not only did he assure me that they could win my case, but he calmed me by demonstrating experience and compassion.
    Debbie Crouch
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    He was caring and attentive to my disability case.
    Jacquelyne McDonnell
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    They reviewed my medical records and built a strong case proving that I am disabled.
    Tom Liszewski
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    Marc and his team were very helpful and responsive to all questions and kept me updated during the entire process.
    DJ
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    Pooja Mundrati
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    Mr. Snyder took time from vacation to answer a few questions for me regarding my disability claim.
    Charles Andrews
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    Francesca
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    Jessica McQuiller
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    Bruce Bettencourt
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    Greg Allen
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    Dennis Arms
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    Carolyn Snape
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    Walter Shaffer
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    kimberly johnson
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    He won my case and got me my hard-earned back pay, which was significant.
    Susan Quigley
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    Marc truly helped me in all aspects and talked me through everything with my SSD case and my LTD case.
    Schkaka
  • "Excellent firm!"
    They were very responsive, easy to talk to, and explained everything thoroughly!
    Amy Lackey
  • "Very Professional and Caring Staff"
    Legal associates Brooke and Kellyanne were extremely helpful and kept me updated throughout each phase of the SSDI application process.
    Jac B
  • "A pleasure working with Mr. Snyder"
    He worked diligently on my behalf.
    Deborah Stewart-Akles
  • "You Took Such Care With My Case"
    You were at all times gracious, patient, and always willing to take the extra time it took to make sure I understood what we were up against.
    Fred Stuber
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    We were both very satisfied with the way we were represented by them.
    deb dowling
  • "He Was Direct, Honest, and Committed"
    He was direct, honest, and clearly demonstrated his commitment to doing everything he could to help me.
    Ann Sherwood
  • "I highly recommend Marc Snyder and Kellyanne Inverso"
    Marc and Kellyanne were there for my family and me every step of the way.
    Carlton L.
  • "I Feel Incredibly Fortunate"
    Your dedication to your work and your clients is truly inspiring, and I feel incredibly fortunate to have had you as my lawyer.
    Da IronMan 973NWK
  • "A Rare and Refreshing Exception"
    Attorney Snyder is outstanding as an attorney and will not waste your time or money, or give false hope.
    Kathleen Davies
  • "A Fantastic Attorney"
    He's thorough, diligent, professional, and above all, human.
    joan f
  • "An Excellent Attorney I Highly Recommend"
    Within weeks he got the decision reversed and I received my first check.
    Michelle Manning
  • "This attorney group is extremely proficient"
    This attorney group is extremely proficient. I would recommend them as A+++.
    Veronica Woods
  • "He Is Responsive and Kind"
    Marc not only got me the disability owed to me, but he appealed a decision and got me a much bigger settlement than I could imagine.
    Sherrii Brentari
  • "Highly recommend"
    Thanks to Marc a long, daunting process ended up being surprisingly quick and painless.
    Denise
  • "Truly One of Few Law Firms That Genuinely Cares"
    You are engaged in a conversation and not talked at; you are treated with respect and every question is answered and processes are explained.
    Marc Swartz
  • "My experience with this law firm was excellent"
    I am so thankful Marc successfully represented me throughout this difficult process!
    Michele Syl
  • "I Truly Appreciated His Help"
    Marc was very sympathetic towards helping me in my situation.
    Becky Berke
  • "He Did a Great Job for Me"
    It was a smooth process and we won the claim!
    Ann Coupe
  • "I couldn’t have asked for a better attorney"
    My case was very stressful for myself and my family and Mr. Snyder eased our worries every time.
    Nicole Smith
  • "Marc Snyder Is an Excellent Disability Lawyer"
    Marc is for his clients 100% all of the time.
    Barbara Willis
  • "So Helpful and Knowledgeable"
    He is so knowledgeable and made everything so easy.
    Robyn Devonshire
  • "They Got Me Approved"
    Thanks to the great help from their team, they guided me and fought for me and got me approved.
    Robin Dill
  • "Their Work and Dedication Was Remarkable"
    Their work and dedication to my case was remarkable.
    Jasmine Moustafa
  • "Marc Snyder Is a True Professional"
    He truly cares about his clients and goes the extra mile.
    Kathy M
  • "Highly recommended"
    Communication was clear, questions were answered promptly, and everything was handled with care and attention to detail.
    Mike davis
  • "The best attorney I've ever dealt with"
    He was kind, compassionate, understanding, and incredibly knowledgeable.
    Theresa Uhlendorf
  • "I Was Quickly Put Back on Claim"
    With all of this said, I would definitely refer others to Rosen Moss Snyder.
    Linda Linda
  • "Did a great job securing positive outcomes"
    He communicated regularly throughout the process and ensured I understood the steps and expectations.
    Krista T
  • "Marc Snyder Is Wonderful"
    He regularly communicated with me and kept me up to date on everything.
    Erin DiMaio
  • "He has great knowledge in the disability field"
    He has great knowledge in the disability field with SS and insurance companies.
    Jeannie Styer
  • "You Want Marc Snyder to Represent You"
    If you want your case handled with the utmost professionalism, then you want Marc Snyder to represent you.
    Darryl Hammond
  • "Marc's Professionalism and Experience"
    Marc and his office led the way in communicating directly with my insurance company and Social Security.
    Richard Gordon
  • "Great Experience with Marc"
    I had a great experience with Marc. I highly recommend Marc to anyone facing disability legal issues!
    Scott Allender
  • "Highly Recommend for Disability Procedures"
    Highly recommend for helping with disability procedures!
    Dorraine Kerber
  • "RMS Law Really Represented Me Perfectly"
    RMS Law and Chris Harris and Ann really represented me perfectly.
    Susan Reimer
  • "Marc Snyder Treated Me Like Family"
    Marc Snyder treated me like a family member, expertly guiding me through tons of paperwork and roadblocks.
    Linda Louise Laskowski
  • "Trusted and Reputable Attorney in PA"
    They were transparent, responsive and reliable.
    John Knoedler
  • "Did an Outstanding Job for Me"
    He was able to get back Social Security benefits that I was denied twice.
    Linda Shields
  • "We Didn't Feel Like Just Another Client"
    He took time to understand the nuances of our situation and we felt like he truly cared about the outcome.
    Erin Y
  • "I would highly recommend Marc Snyder"
    Marc's commitment to me was impressive.
    Jeri Banko
  • "A Steady Force During a Nerve-Wracking Time"
    With his deep empathy and outstanding experience, Mark Snyder was a steady force for me during a very nerve-wracking experience.
    Kate Earle
  • "I Would Highly Recommend Them"
    The whole process was seamless. I could not have done it without these guys.
    Mike Gaudiello
  • "Marc Snyder and His Law Firm Saved Me"
    Marc Snyder and his law firm saved me from my losses and protected my rights in my disability case.
    Victor Tauro
  • "Exceptional Legal Representation"
    The positive outcome of my case exceeded all of my expectations, and I feel fortunate to have had him as my attorney.
    Robin Neglia
  • "They Gave Me the Confidence I Needed"
    In less than a year, my disability was back on and my Social Security was granted.
    Kathy Ricciardi
  • "I Am Extremely Happy With the Outcome"
    I am extremely happy with the outcome of my case and that is because of Marc’s representation.
    Bette Kreisler
  • "Absolutely Fantastic and Informative"
    All I can say is don’t take on this process alone! Absolutely contact Marc Snyder.
    Debbie Farris
  • "The Correct Person for the Job"
    Mr. Marc Snyder was/is truly the correct person for the job.
    Kevin Driscoll
  • "I Wish I Could Give 100 Stars"
    Working with this firm, especially Mr. Snyder and Ms. Uber, was fantastic.
    Michael Brown
  • "A very positive experience"
    From the initial consultation to the completed hearing he was professional, understanding, and I had a sense of comfort that he was on my side.
    Donna Komorowski
  • "Can't Say Enough About This Firm"
    Marc Snyder and his team did a great job with my Social Security Disability.
    Joseph B
  • "I am so glad I made that first call"
    Not only did they help me every step of the way, but they also held my hand and soothed my anxiety.
    Michelle Messere
  • "Marc won both cases"
    Marc won both cases and got my Social Security Disability approved with the assistance of Kellyanne who works closely with Marc.
    jeanette fogle
  • "I recommend Marc Snyder and his team"
    All I can say is don’t take on this process alone!
    Trupti Shah
  • "They Made the Process Easy for Me"
    He made the process easy for me, causing no stress.
    Deb Thompson
  • "Marc Snyder Was a Rock Star"
    Marc Snyder was a ROCK STAR with my husband's disability case.
    Valarie
  • "One of the best decisions I’ve ever made"
    They’re kind, understanding, and patient.
    Joe Wright
  • "Approved Upon Appeal"
    With their help I was approved upon appeal.
    Mary Beth McDowell
  • "We Highly Recommend Marc Snyder"
    If you are in need of an excellent disability attorney, we highly recommend Marc Snyder of Rosen, Moss, Snyder & Bleefeld, LLP.
    S W
  • "I Highly Recommend This Law Firm"
    I felt I was treated by everyone as though I were their only client.
    alan kagan
  • "Extremely Pleased Dealing with Marc Snyder"
    His attention to detail was remarkable.
    william koons
  • "He Really Does Care!"
    Do yourself a favor and retain Marc Snyder. He really does care!
    dave m
  • "Amazing experience with this law firm"
    I had an amazing experience with this law firm. I would highly recommend.
    LaShonya Ford
  • "We love their energy"
    We love their energy and suggest that anyone looking for the right representation for their disability claim work with RMS Law.
    JM G
  • "Someone You Want on Your Side"
    Choosing a disability attorney may be one of the single most important decisions you will ever make.
    Brian
  • "My Attorney, Mr. Snyder, Has Been Terrific"
    They are always responsive and willing to help with any issues.
    Andrea A
  • "I consider myself extraordinarily lucky"
    Daniel and his team did an amazing job on my appeal and we were successful in getting the decision reversed.
    Sharon Marmour
  • "We Immediately Knew We Found Our Firm"
    His demeanor, his confidence, his compassion and his sense of humor made us feel both at ease and we immediately knew we found our firm.
    Chuck Brenner
  • "I Highly Recommend Marc Snyder"
    His expertise and dedication were invaluable in securing the benefits I was entitled to.
    Matthew Mayan
  • "Awesome Experience with Chris"
    I had an awesome experience dealing with Chris with Rosen Moss Snyder.
    Mike D
  • "Led Me with Superior Skill and Deep Compassion"
    Marc and his team met and exceeded all of my expectations.
    James Holman
  • "A-1 service"
    They explain things to you, they make sure you understand everything you need to understand before going into court.
    Dawn Hunter
  • "This firm is 5 stars"
    My process was smooth with no stress.
    Lorraine Cortes
  • "The Staff at RMS Law Made It So Much Easier"
    This whole SSDI process was very stressful for me, but the staff at RMS Law made it so much easier.
    Maria VG
  • "Marc and his firm are the best"
    He made the entire process as easy as I could hope for.
    Susie Kelly
  • "Thanks to Marc Snyder, I am receiving benefits"
    If I had to do it all over again, I wouldn’t want anyone other than Marc Snyder representing me.
    Deborah Kresse
  • "Very helpful and devoted"
    Very helpful and devoted Marc Snyder is in helping his clients out and very responsive in getting back to you.
    Gary Heater
  • "I Highly Recommend This Firm to Everyone"
    Kellyanne and her team kept a constant line of communication open and I always felt I knew where I stood, lessening anxiety.
    Rosemary McMonagle
  • "Professionalism and Seamless Experience"
    Their expertise and dedication were evident, making the entire experience seamless and stress-free.
    Xochitl Forbes
  • "They fought for me"
    Because of their hard work and persistence, my appeal was successful—and that outcome has had a huge impact on my life.
    Mendi Higgins
  • "I highly recommend RMS Law"
    Marc & Brooke were both amazing. They were attentive, patient, knowledgeable, and efficient.
    Brenda Markum
  • "Marc Snyder Is an Excellent Attorney"
    Marc Snyder is an excellent attorney. Always willing to go the extra mile, his services were invaluable to me.
    K
  • "The care, compassion, and total trust"
    Mark and his team made everything so easy. I was approved for Social Security Disability the first time out.
    Maureen Quinn-Little
  • "He Did an Awesome Job"
    He did an awesome job working on my disability case and keeping me updated regularly.
    Esme Brome
  • "Excellent Representation"
    They were supportive, knowledgeable, responsive, and compassionate.
    Julia Cotton
  • "His persistence and professionalism"
    His persistence and professionalism was incredible! I am so grateful to him and would absolutely recommend him.
    Allison Parks
  • "RMS Law Is the Place for Representation"
    My "Lawyering Dream Team" collected every piece of information connected to my disability and made me feel like a person who matters.
    Jonathon Grey
  • "Very Pleasing and a Blessing"
    They were very helpful and supportive of my needs and situation.
    Dion Bacon
  • "Really Glad I Chose This Firm"
    I felt like he listened to what I had to say and really fought for me.
    Stacey henry
  • "Use Who Other Lawyers Recommend"
    He handled my claim in a courteous and efficient manner resulting in a successful claim.
    Theodore Hauptman
  • "I can't say enough about this law firm"
    Her opening statement at my hearing encapsulated everything I was going through in such a comprehensive, caring and effective manner.
    Natalie S.
  • "Outstanding Disability Lawyer"
    Outstanding disability lawyer—knowledgeable, compassionate, and relentless.
    Long Island G
  • "Tremendous and Very Service Oriented"
    Extremely knowledgeable and very service oriented.
    Stan Osofsky
  • "You Will Not Be Disappointed"
    Attorney Snyder is experienced, knowledgeable, thorough, patient, and readily accessible.
    kt rehrig
  • "Calm, Steady Guidance on My Disability Appeal"
    Marc Snyder is an excellent guide to help you navigate the confusing aspects of disability.
    Cynthia H
  • "So happy I chose RMS Law Firm"
    I would highly recommend this firm to handle your Long Term Disability claim, you won’t regret it.
    J Santiago
  • "Amazing Lawyer!"
    Marc Snyder assisted me in winning my case for SSA assistance.
    Anissa
  • "Marc Snyder Did an Outstanding Job"
    What did help was Marc's depth of experience, depth of knowledge, attention to detail, and patient determination.
    George Bradt
  • "He's Been a Great Lawyer"
    He's very helpful and really responsive to whatever is the problem that you are facing.
    Srey Chan
  • "Marc Was Such a Pleasure to Work With"
    He was very easy to talk to and was very helpful in finding out the information I needed for my case.
    Diane Schaeffer
  • "I'm Extremely Satisfied With Their Help"
    Rosen Moss Snyder LLP has helped me and kept their promises throughout these years. I'm extremely satisfied with their help.
    Adrian Carrete
  • "Most kind, compassionate, and competent"
    Mr. Marc Snyder is the most kind, compassionate, and competent attorney I've ever met.
    Krista Graham
  • "There Are No Words to Describe"
    There are no words to describe how hard they worked, especially Mr. Harris, to win my case.
    Krystle Reisler
  • "They Are a Truly Exceptional Law Firm"
    They always made sure I was kept informed and updated on the progress of my case.
    S McM
  • "Amazing Attorney"
    Marc Snyder has been an amazing attorney.
    heather deturck
  • "An Excellent Attorney"
    He was with me all the way to winning my case and very responsive to my calls, texts, and emails.
    Julie Ann
  • "Marc Snyder Is the Best"
    Working with Marc will absolutely give you the best chance at success and getting paid from your policy.
    Scott tapper
  • "We Would Highly Recommend Marc and His Firm"
    Marc has always been completely accessible for any follow-up forms from the insurance carrier or simply questions from us.
    Phil Ceresini
  • "Experts in Disability Law"
    Marc and his team are experts in the field of disability law.
    Cynthia Thomas
  • "One of the Best Decisions I've Ever Made"
    Retaining him was literally one of the best decisions I've ever made.
    Curt Lambert
  • "They Got Results for Me"
    Mr. Snyder and everyone I dealt with was professional, and most importantly they got results for me.
    Phillip Barney
  • "I Highly Recommend Marc Snyder"
    I highly recommend Marc Snyder for representation for your disability.
    Jeanne Oneill
  • "These guys are the best!"
    Both Marc and Alan worked for us like we were the only clients they had.
    John Barr
  • "His Knowledge and Experience Are Unsurpassed"
    Marc treated me with great respect and compassion.
    David Tabby
  • "Thanks to Marc Snyder, My Case Was Approved"
    Thanks to Marc Snyder and his firm, my case was approved.
    Thomas Conboy
  • "I couldn’t recommend them enough"
    I’m very grateful that I had Marc and his paralegal Anne because they were able to cut through the red tape and resolve the issue a lot sooner.
    Meagan Little
  • "Indispensable to Me and My Family"
    If you find yourself feeling overwhelmed and needing a disability attorney, look no further for your peace of mind.
    Donna S
  • "We Highly Recommend Marc Snyder"
    He is very skilled in his profession and as such, we ended up winning our claim!
    Mark Kirkpatrick
  • "Couldn't Be Happier With the Results"
    I found Marc extremely knowledgeable, caring, and efficient throughout the process.
    william koons
  • "Top Advocate for My ERISA Disability Claim"
    Very thankful for his counsel and advice.
    David Hartley
  • "He Helped Change My Life Forever"
    He was professional, kind and fought for me even when I was too tired to fight for myself.
    Alexis Quigley
  • "Rosen, Moss and Snyder Get My Highest Recommendation"
    I was awarded disability from the SSA and I believe that never would have happened without Marc, Kellyanne and their team.
    Tracey Soriano
  • "Marc and His Team Are Amazing"
    Very down to earth and always kept us informed and explained in detail what to expect.
    Luba Pryszlak
  • "Extremely Happy With the Support and Outcome"
    I am extremely happy with the support, guidance, and outcome of my disability cases (LTD and SSDI) and I would highly recommend their services.
    Paul Lankford
  • "He pursued my case fiercely"
    He did not leave any stone unturned and was consistently transparent throughout the process.
    Nazly Shariati, MD
  • "They’re the real deal!"
    I highly recommend RMS Law! They’re the real deal!
    Jessie
  • "Outstanding Help With Benefits"
    He is very knowledgeable and kind.
    janine buck
Read More Reviews

How Our Attorneys Help With Long-Term Disability Claims and Appeals

Navigating a disability insurance dispute can be complex, especially when dealing with large insurance companies and detailed policy language. At Rosen Moss Snyder LLP, our attorneys provide guidance and representation designed to help clients pursue the benefits they deserve.

The process often begins with a thorough review of the disability insurance policy. Understanding the policy’s definitions, limitations, and procedural requirements is essential when evaluating a claim or preparing an appeal.

Our legal team also focuses on developing strong medical evidence to support the claim. This may involve gathering comprehensive medical records, consulting with treating physicians, and ensuring that documentation clearly explains how the medical condition affects the client’s ability to work.

Communication with the insurance company is another critical aspect of the claims process. Our attorneys help manage requests for additional documentation and ensure that responses accurately reflect the client’s medical condition and work limitations.

If benefits have been denied, we assist clients with preparing a long-term disability insurance appeal. Appeals often require detailed legal and medical arguments supported by extensive documentation. A well-prepared appeal can challenge the insurer’s reasoning and strengthen the case for benefits.

In some situations, insurance companies may offer a lump-sum settlement to resolve a claim. Our attorneys help clients carefully evaluate potential disability claim buyouts to determine whether accepting a settlement is in their long-term financial interest.

Throughout this process, we remain focused on protecting our clients’ interests and advocating for the financial support they depend on.

What to Do if Your Long-Term Disability Benefits Are Terminated

The sudden termination of long-term disability benefits can create immediate financial pressure. Individuals who rely on these payments to cover everyday expenses may face difficult decisions about how to move forward.

If your benefits have been terminated, the first step is to carefully review the insurer’s explanation for the decision. Insurance companies are typically required to provide a written explanation outlining the reasons for the termination.

It is also important to gather and review all relevant documentation related to the claim. This may include medical records, physician reports, correspondence from the insurance company, and the disability insurance policy itself.

Many policies allow claimants to appeal the decision. This process often requires additional evidence to support the claim and address the insurer’s stated reasons for terminating benefits. Because strict deadlines may apply, acting quickly is essential.

Seeking guidance from a disability attorney can help individuals understand their options and develop a strategy for responding to the termination. Legal representation may help strengthen the appeal and ensure that all necessary documentation is submitted properly.

Contact Our Nationwide Long-Term Disability Claim Attorneys

Long-term disability benefits can provide critical financial support when a medical condition prevents someone from continuing their career. When those benefits are delayed, denied, or terminated, the impact can be significant for both individuals and their families.

Rosen Moss Snyder LLP has built a strong reputation for helping people pursue disability benefits and confront insurance companies that challenge legitimate claims. Our attorneys approach each case with careful preparation, detailed analysis, and a commitment to advocating for individuals facing serious medical conditions or injuries.

If you are dealing with a denied claim, a terminated benefit, or an ERISA long-term disability claim dispute, our team is ready to help you explore your options. Contact Rosen Moss Snyder LLP today to discuss your situation and learn how our attorneys can assist with your long-term disability insurance appeal and help you pursue the benefits you deserve.

No Fee Until You Win

We handle nearly all disability cases on a contingency basis. If we don't recover for you, you don't owe us anything.

See How It Works

What Sets Our Firm Apart

  • Strategic Insurance Insight

    We understand how insurers evaluate claims and where they may push back.

  • Representation at Every Stage

    From applications to appeals and litigation, we guide you every step.

  • Focused on the Benefits You Deserve

    We build your case strategically to pursue the benefits you’re entitled to.