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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