Philadelphia Disability Insurance Claims Attorneys

Strategic Disability Insurance Representation

When a disability ends your ability to work, the insurance policy you paid into should be there. Often, it isn't, or the insurer makes collecting far harder than it should be. Marc Snyder, who leads our Disability Law Practice at Rosen Moss Snyder LLP, spent more than a decade in actuarial management at a major life and health insurance company before becoming an attorney. He knows how insurers price risk, build policies, and look for reasons to deny claims. That background gives our clients a strategic advantage most law firms can't offer.

We represent clients throughout Philadelphia, Montgomery County, Bucks County, and the broader Tri-State region, as well as clients across the country. Marc Snyder has handled hundreds of cases across the country and litigated against every major disability insurer, including MetLife, Unum, The Hartford, Prudential, New York Life, Lincoln Financial, MassMutual, Aetna, Guardian, and Sun Life. We work with our clients' healthcare providers, employers, and insurance companies to collect all necessary documentation to file, defend, or appeal for disability benefits.

To discuss your disability claim and see if we're the right fit for your situation, call (215) 874-3346 or contact us online for a free consultation.

Two Types of Disability Insurance

Disability coverage can be obtained privately or through your employer.

There are two distinct types of coverage for employees who develop a disability that prevents them from performing the daily functions of their job:

• Short-Term Disability
  This coverage replaces a portion of your salary if you miss up to six months of work. It typically begins after all sick leave is exhausted and can replace up to 60% to 70% of wages in many plans, though the length of coverage and payment percentages vary from plan to plan.
• Long-Term Disability
  Most legal professionals consider long-term disability insurance the most important coverage you can carry, because some diseases and injuries are disabling rather than fatal, and that incapacitation can last years. LTD claims are also where insurers push back hardest. Contested categories like mental illness and back injuries frequently trigger reviews, benefit terminations, or outright denials, and our team has litigated these disputes against many major carriers.

What We Do at Rosen Moss Snyder LLP

We handle disability claims at every stage: initial applications, administrative appeals, federal litigation, and proceedings before the U.S. Court of Appeals for the Third Circuit. Marc Snyder is admitted to the Third Circuit, which means we can pursue your case to the federal appellate level without referring you elsewhere. That full-lifecycle capability, combined with Marc's pre-law background inside the insurance industry, shapes how we approach every claim from day one.

How Our Insurer-Side Background Strengthens Your Claim

Marc's insurer-side experience isn't just a credential. It's a practical advantage. He understands how insurers structure policies to limit exposure, how claims are evaluated internally, and where carriers are most likely to challenge a claim. That knowledge informs how we build files, work with medical providers, and position cases for litigation when settlement isn't the right outcome.

Lump-Sum Disability Claim Buyouts

When a negotiated resolution makes more sense than a prolonged fight, we're prepared. We're experienced in negotiating lump-sum disability claim buyouts under both ERISA and private disability policies. In some circumstances, this option can serve a client's long-term financial stability better than ongoing monthly benefits.

ERISA Disability Claims & Fee Structure

We also serve as ERISA disability attorneys for group insurance claims, representing clients whose benefits are governed by federal law and whose options narrow considerably without counsel who understands the administrative record and its consequences for later litigation.

Our clients work with us under a contingency fee arrangement on nearly all disability cases. We share the risk and are paid only when you are. Every case begins with a free consultation that carries no obligation.

If you're facing a disability insurance issue, call (215) 874-3346 or contact us online to schedule your free consultation with our team.