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When a person has any type of insurance or benefit through an employer, that type of claim falls under a federal law called ERISA. Gallagher Davis, LLP specializes in ERISA lawsuits involving long- and short-term disability, health and life insurance claims, accidental death and dismemberment, pensions and long-term care.

Employee-benefit insurance claims are complicated. The rules and regulations make it difficult for people to recover when an insurance company or employer denies an employee-benefit claim. Very few lawyers have the expertise to help people whose employee benefits are denied. We know how to navigate ERISA’s complex procedures.

Medical Claims

We have helped clients when their health-insurance carrier has refused to pay for treatment that their doctors determined was needed. In these cases, the insurance company decided the treatment was experimental, investigational, elective, for a pre-existing condition or not medically necessary.

Go to Medical Claims

Long-Term Disability

Often, insurance companies will try to deny or limit disability benefits for individuals suffering conditions such as multiple sclerosis, degenerative disc disease, fibromyalgia, chronic fatigue syndrome, arthritis, AIDS, bipolar disorder, cardiovascular problems, diabetes, brain injuries, lyme disease, multiple sclerosis and Alzheimer’s disease. We offer expertise in making these claims.

Go to Long-Term Disability

Accidental Death and Life Insurance Claims

Even when someone has experienced a tragic death or debilitating accident, insurance companies will often try to avoid paying benefits under an accident or life insurance policy. We know how to fight these denials.

Legal Support and Representation for ERISA Lawsuits in St. Louis and Southern Illinois: Contact Us

If you have been denied a long-term disability claim or other employee-benefit claim, contact us at (314) 725-1780 for a free consultation. We can answer your questions about the ERISA process and explain all types of claims against an insurance company.

It is important to have a lawyer’s advice in these claims. ERISA has complicated rules and regulations that limit compensation. It also has strict deadlines that may even prevent you from getting your benefits at all. We will be glad to assist and support you.

 

Just a few of the insurance companies we have successfully handled matters against include:

  • Aetna
  • Allstate
  • Anthem
  • Ascension Healthcare
  • Assurant
  • Blue Cross Blue Shield
  • Cigna
  • Guardian
  • Golden Key
  • Liberty Life/ Liberty Mutual
  • Lincoln Financial
  • LINA
  • Mass Mutual
  • Matrix
  • MetLife
  • Mutual of Omaha
  • New York Life
  • Northwestern Mutual
  • Primerica
  • Procter and Gamble
  • Prudential
  • Reliance Standard
  • Sedgwick
  • Sedgwick CMS
  • Sun Life
  • The Hartford
  • The Principal
  • The Standard
  • UMR
  • United Healthcare
  • Union Security
  • Unum Provident

What Our Clients Say...

"I retained Matt Davis regarding a dispute over payment of emergency medical treatment with my insurance company. Matt efficiently assisted in the appeals process in anticipation of litigation. The insurance company ruled favorably for us at the appeals level. I appreciated Matt's experience in this area of practice."-Julia

What Our Clients Say...

"Dear Tim & Matt, Because of you Jim and I are enjoying lots of improvements in our home, dinners out without worrying about the bill, helping a bit with our grandkids expenses- you’ve made our lives easier – as Jim and I have discussed- we would have loved to seen you finish the trial- you were excellent – if only we were a little younger- but we’re very happy with the outcome – Thanks to you both."-Judy and Jim

What Our Clients Say...

"Matt Davis went out of his way to make sure my needs were met. He drove 75 miles to meet me halfway between Sikeston and St. Louis, just so I wouldn’t have to drive the whole distance. I was very satisfied with how prompt Matt was about getting things done, and couldn’t have been more satisfied with the way things turned out. At the very beginning Matt told me it was going to be a hard case to win, and he asked me what I wanted to do. I said I wanted to carry on and he did. Matt did a very good job, and he did very good by me."-Shannon

What Our Clients Say...

"Dear Matt ~ I am writing to you on behalf of my husband and I to thank you for your many hours of work to assist us in receiving the long-term disability benefit that was deserved to my husband from his employer.  Your thorough research, understanding, and personal attention to all the details of our case went above and beyond our hope. Your counsel was honest and realistic knowing the organization we were up against and the odds of a successful outcome were not in our favor. Even though we live in another state, you kept us updated throughout the process and coordinated the one trip we needed to be in St. Louis easy and comfortable.The positive end result of our case was truly a blessing that we can only attribute to you and your expertise.  Words cannot express our sincere gratitude for all you have done for us! Thank you Matt! "-Don and Barbara