Welcome to the Law Office of Terrence A. Low, a law firm in Springfield Massachusetts delivering the highest quality legal services to people with Employee Benefits, Disability Insurance, ERISA, Workers Compensation, personal injury and Life Insurance Claims. Our office represents individuals in the Western Massachusetts, Boston-Worcester corridor, the greater Hartford, Connecticut region and the entire Northeast corridor.
Most working Americans believe they have protection from severe financial hardship if they ever become disabled before reaching retirement age. In reality, getting the needed and deserved benefits can be a challenge.
At the Law Office of Terrence A. Low, workers, corporate employees and professionals who purchase private insurance find the advocacy they need when filing for disability benefits. From providing answers to clients' questions to appealing claims denials, attorneys at the firm have the knowledge and experience to effectively handle employee benefits and disability insurance claims. Contact a Springfield disability insurance lawyer at the firm to learn more.
Aggressive Advocacy for Disabled and Injured Workers and Professionals
As a lawyer with more than 25 years of experience, Terry Low has helped hundreds of people deal with disability insurance problems — while also actively working for legislative reform to create a more just system for the disabled. His skill in all areas of disability insurance law is supported by his knowledge of many related areas that are important to his clients, such as personal injury, third-party liability, medical malpractice and attorney malpractice.
After a disabling injury, many corporate, government and service professionals find their incomes dramatically decreased or nonexistent at the same time their medical expenses have increased. This causes serious financial difficulty. Government-sponsored programs, private insurance and employee benefits are available to bridge this gap. Depending on how the employee earned a living and the nature of the disability, the disabled person may be entitled to benefits through:
- Short- or long-term disability insurance (either purchased privately or provided through an employer-purchased "ERISA" plan)
- Private occupational disability insurance
- Disability retirement pension plans
- Workers' compensation
- Social Security Disability Insurance (SSDI)
For many people, Social Security replaces only a minute portion of their earnings, and they must rely on private insurance to bridge the gap. Unfortunately, the facts indicate that, all too frequently, legitimate disability claims are denied, and existing disability benefits are threatened or discontinued even when the worker has a valid, serious incapacity.
Tenacious Pursuit of Disability Insurance Benefits
Problems claiming benefits are especially common with employer-based ERISA group plans, which federal law regulates and gives insurance companies many advantages over people who must file claims. What can a disabled professional do to combat the insurance giants and win the financial benefits they are due? Contact an attorney at the firm.
Free Consultation With a Massachusetts Short-Term Disability Lawyer
The legal team at the firm is available for a free consultation to discuss an aggressive strategy for obtaining your benefits through long-term or short-term disability insurance, Social Security, workers' comp or any other disability insurance dispute. They will help you determine if you have a case, identify your legal options and tenaciously pursue the benefits you are due. They also accepts attorney referrals for cases with any of these complex issues involving on-the-job accidents, ERISA, SSDI, disability and insurance matters.
