ERISA Disability Lawyer for Disabled Workers
If your disability benefits were denied, you don’t have to navigate the ERISA process alone—there are steps you can take to move your claim forward.
When You Can’t Work and Benefits Are Denied
Losing the ability to work due to a medical condition can create immediate financial and personal stress. Many disabled workers rely on employer-sponsored disability benefits, only to face a denial that puts their income at risk.
Davis Olszeski Law represents individuals dealing with denied long-term and short-term disability benefits under ERISA. Clients in St. Louis and surrounding areas often reach out after receiving a denial letter and needing clarity on what to do next.
Does ERISA Apply to Your Disability Plan?
Most disability insurance provided through an employer is governed by ERISA. This federal law sets the rules for how claims are reviewed and how appeals must be handled.
If your disability coverage is part of a workplace benefits package:

- You are likely required to complete an internal appeal
- The documentation submitted during the appeal becomes critical
- The process follows specific timelines and procedures
Understanding whether ERISA applies helps you follow the correct path from the beginning.
What to Do After a Disability Claim Denial
The appeal stage is often the most important part of an ERISA disability claim. Taking the right steps early can help protect your benefits.
Review the Denial Letter
Understand why the claim was denied and what evidence the insurer relied on.
Request Your Claim File and Plan Documents
These materials show how the decision was made and what rules apply.
Gather Supporting Medical Evidence
Physician statements, treatment records, and functional limitations help support your claim.
Prepare a Complete Appeal
Your appeal should directly address the denial and include all relevant documentation.
Submit Within the Deadline
Missing the appeal deadline can affect your ability to move forward.
Why the Appeal Stage Matters So Much
ERISA disability claims are often decided based on the record created during the appeal process. This means the documentation submitted at this stage can shape the outcome of the case.
A complete appeal can help:
- Clarify how your condition affects your ability to work
- Address the insurer’s stated reasons for denial
- Ensure the record reflects your limitations and treatment history
Approaching the appeal as a structured case file—not just a response—can make a meaningful difference.
Long-Term vs. Short-Term Disability Claims
Disabled workers may be dealing with either short-term or long-term disability benefits, depending on their plan.
- Short-Term Disability (STD)
Covers the initial period of disability
- Long-Term Disability (LTD)
May provide extended benefits if the condition continues
A denial at either stage can affect the overall claim, especially if short-term benefits do not transition into long-term coverage.
We Help Move Disability Claims Forward
Disabled workers often face delays, repeated requests for information, or shifting explanations for denial. A structured approach helps keep the claim focused on the evidence and the plan’s requirements.
Davis Olszeski Law works with clients to:
- Review denial letters and claim decisions
- Organize medical and supporting documentation
- Prepare appeals that address insurer reasoning
- Navigate ERISA procedures from denial through resolution
Serving Disabled Workers in St. Louis and Beyond
Davis Olszeski Law represents disabled workers throughout the St. Louis area, including St. Louis County and St. Charles County. The firm also works with clients across Missouri and Illinois and can coordinate consultations by phone or video.
Contact Us Today
Talk With an ERISA Disability Lawyer
If your disability claim was denied, you may still have options under ERISA. Acting early can help you prepare a complete appeal and protect your ability to pursue benefits.
Davis Olszeski Law focuses on ERISA disability claims, including long-term and short-term disability appeals. A consultation can help clarify your next step.
