It's not because of anything you have done wrong. It is because insurance companies do not play fair. The job of the insurance companies is to ensure company profits and close claims quickly. Many times they will use a "technicality" to deny your claim, regardless of how disabled you are. This falls under the federal law called ERISA.
McDonald and McDonald can help you if your employer has provided disability insurance or life insurance benefits to you that have been denied by the Insurance company. In most cases we represent you on a contingency fee basis. Working on a contingency basis means that we would receive a percentage of the recovery from the insurance company when we win.
McDonald and McDonald can help you if your employer has provided disability insurance or life insurance benefits to you that have been denied by the Insurance company. In most cases we represent you on a contingency fee basis. Working on a contingency basis means that we would receive a percentage of the recovery from the insurance company when we win.
Services
Employers offering an employee benefit plan, such as long-term/short-term disability insurance, life insurance, health insurance, or a retirement plan, are subject to the provisions of ERISA. ERISA was enacted to protect employee benefit plan participants and their beneficiaries from mismanagement and abuse by the benefit plan sponsors.
Call us right away - You have enough stress due to the loss of your loved one. Let us take this stress off your plate so you don't have to deal with the Insurance Company's games. Denial saying the policy was not in effect, even though they have received and cashed thousands of dollars of payments on the policy.
Has your employer provided you with Long Term Disability (LTD) Insurance Benefits as part of your employee benefits package? Has your LTD been denied or terminated?. Your LTD Insurance policy is supposed to provide you with the income you desperately need in the event you become disabled. But we frequently see insurance companies deny legitimate claims, refusing to pay well-deserved benefits.
Many Employers provide employees with disability insurance as part of their employee benefits package. Disability insurance is supposed to protect you if you experience a non-work related injury or become ill and cannot work. Provides partial income replacement for a short period of time (generally between 9-52 weeks or 1 year).
Many disabled applicants emphasize how they feel, but may not have the proper medical evidence, or proof of specific work limitations that arise from their medical problems. If your application has been denied, DO NOT fill out a new application for benefits, or you could be giving up your appeal rights!
Reviews (17)
Mignon Mignon
Jan 03, 2022
Report
I don't know where to begin with this phenomenal law office. I was having some issues with my long term disability and needed to find an ERISA Attorney. At the time I didn't know what that was or where to begin. I found this office online read the reviews and I knew I wanted them to represent me.
Attorney Joe McDonald and his staff explained the process and executed it. Every phone call was answered or returned, and emails were responded to in a timely matter, I never felt like I was a bother to this team. The ultimate goal was to get me reinstated or compensated for my case and they were successful
Attorney Joe McDonald and his staff explained the process and executed it. Every phone call was answered or returned, and emails were responded to in a timely matter, I never felt like I was a bother to this team. The ultimate goal was to get me reinstated or compensated for my case and they were successful
Deb L.
Oct 20, 2021
Report
I would highly recommend McDonald and McDonald to anyone! It was my husband who was applying for disability income. He received it on the first try so he did not need to go to court. My husband had several phone calls with Joe and his kindness, responsiveness and knowledge were extremely helpful during the days of waiting for the disability application to be approved. After reviewing my husbands MRI's, Joe was more concerned with his upper spine then his lower spine and Joe was right. Four doctors never saw what Joe did until my husband asked one of them, then after another MRI it was acknowledge
Stephen Lewis
Sep 14, 2021
Report
Positive: Professionalism, Quality, Responsiveness, Value
Truly an outstanding law firm. They are in tune with the clients need and very considerate when listening to their concerns. I don't regret calling them one bit. They won my case with Cigna and I am now back on claim. Thank you Joe and the staff.
Truly an outstanding law firm. They are in tune with the clients need and very considerate when listening to their concerns. I don't regret calling them one bit. They won my case with Cigna and I am now back on claim. Thank you Joe and the staff.
A. Smith
Jun 24, 2021
Report
Gary E. Lovato
Mar 07, 2021
Report
Joe and Katy were fantastic. Joe explained all the details of how he would create the case, a probable time-line, and gave me legitimate expectations for what could go right or wrong. He was very responsive and frequently called with updates. He and his team are very professional and fantastic at what they do. I highly recommend them. They are a knowledgeable law firm that will do their best to achieve the best outcome for your case.
Mark Linn
Nov 30, 2020
Report
I was so fortunate to find Joe McDonald, from my very first consultation he shared his vast professional experience that gave me the confidence I made the right choice with McDonald & McDonald. Katie could not have been any better to communicate the updates and share information on the details of my case. They are an amazing team that delivers winning results, I could not have been more pleased with their services.
Walter Camden Jr
Sep 14, 2020
Report
Maureen
Jul 23, 2020
Report
I feel blessed to have found such a wonderful law firm. I was so overwhelmed and lost with what was happening to me and did not know what to do and I found McDonald & McDonald online and I felt it was a wonderful sign.
Joe called me for a consultation and his expertise and knowledge made me calm down and I felt hopeful that I had someone on my side. He is so caring and reassuring and I could feel that he loved helping people and is awesome at being a lawyer.
His assistant Katie is a hard worker and very caring and compassionate. They are very good at keeping you updated on everything that is
Joe called me for a consultation and his expertise and knowledge made me calm down and I felt hopeful that I had someone on my side. He is so caring and reassuring and I could feel that he loved helping people and is awesome at being a lawyer.
His assistant Katie is a hard worker and very caring and compassionate. They are very good at keeping you updated on everything that is
Tom Dietz
Jun 18, 2020
Report
I would like to thank Joe McDonald and his paralegal Katie Wetzel for their legal assistance in overturning my wife's long term disability insurance denial. Their thoroughness, patience and professionalism means a lot to us and I would highly recommend their firm to anyone who might be experiencing similar difficulties. And they provided their assistance and legal expertise at reasonable cost. Thank you both for all you help!!!
Karen Gollhardt
Aug 15, 2019
Report
I couldn’t be happier with the service I received from Joe and Katie in dealing with my LTD appeal. They are professional and compassionate and really care about doing what is best for their clients. They communicate clearly and frequently so you always know your status. I would recommend them to anyone needing the services they provide. They truly go above and beyond and have renewed my faith that there are good people in this world.
Terry Olson
Apr 16, 2018
Report
Chris Lamb
May 08, 2017
Report
Joe's professionalism and knowledgeable team have proven to be invaluable over the last two years we have worked with them. Today all of the team's hard work paid off. Joe and his excellent team helped secure my wife's SSDI. Joe is like a dog with a bone. Joe started this journey with us from winning our LTD benefits in 2015 to aggressively… preparing for today's SSDI hearing. If you think you been wronged by your LTD provider, you need to hire Joe and his team. There will never be enough words to thank Joe and his team. Thanks to Joe, we feel like we have been given a new life. Thanks Joe
Amanda Crawford Richards
Feb 15, 2017
Report
Christine Kirchner
Oct 12, 2016
Report
I was extremely satisfied with the way Joe McDonald and his staff handled my both my long and short term disability case. Joe was very knowledgeable regarding my complex health condition and worked with my doctor to make sure that they had all the pertinent details covered to endure the best results for the case. Joe and Katie kept me well informed through the duration of case. I cannot thank them enough for all the work they did and all the help I received. I highly recommend their services.
Bethandmike Gillum
Feb 18, 2016
Report
We were very pleased to work with Joe McDonald and his firm. His level of expertise in understanding complicated medical conditions was outstanding and impressive. At first meeting, we walked away feeling… very confident in his ability as he was able to quickly review the facts and provide information about the LTD appeal process and SSDI that we would otherwise not have known or understood. His expertise led to our LTD appeal approval. We would highly recommend McDonald & McDonald.
Doug Strott
Feb 01, 2016
Report
It was my good fortune to have had Joe McDonald work on my behalf for my disability case. Joe took the time to understand my situation, condition, and had the courage to stand up to big insurance companies. He is one of the most intelligent and talented people that I have ever met and has a phenomenal team (Katie). He literally saved my life. … Not only was Joe able to secure a victory in a virtual landmark decision, but I was fortunate to have gained a true friend through all this. You need to hire McDonald & McDonald for your disability case. Now. They are the best.
Niswonger Samuel
Jan 30, 2016
Report
