We do not handle social security disability claims
Serving the USA
We Are a Nationwide Leader in Disability Insurance Law
Rating stars 4.9 Average on Google
Over $250 Million Recovered for Our Clients

Michigan Disability Insurance Lawyers

For Michigan residents whose disability insurance benefits have been denied, delayed or terminated, the Law Office of Justin Frankel can help at all stages of a claim. Michigan borders on Canada, and the Detroit-Windsor international border is one of the busiest borders between the United States and Canada. Best known as the center of America’s auto industry, Michigan is a study in dramatic contrasts. With major urban centers including Detroit, Flint and Grand Rapids built around automotive manufacturing, Michigan also features more than 11,000 lakes, pristine wilderness areas and vast stretches of farm land. The University of Michigan attracts students and professors from around the world as a leading university, known as much for its “Big House” football program as for its engineering and medical schools.

When Michigan residents have problems with their disability insurance policies, they can rely on the Law Office of Justin Frankel to represent them. Justin Frankel is experienced with the legal challenges concerning residual benefits. Residual, or partial disability, is a provision that is contained in many, but not all, disability insurance policies. This is another reason why the Law Office of Justin Frankel recommends that before anyone files a policy, they locate the original copy of their disability policy. The residual benefit means that if you are not totally disabled and are able to perform one or more of the tasks of your job, then you may be entitled to part of your benefits.

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Here’s an example of how residual benefits works. If a neurosurgeon who is also actively involved as an owner of a surgical practice suffers a hand injury, the surgeon can no longer perform the duties of a neurosurgeon. The surgeon can still function as a business owner in a management capacity, but the income level will be significantly reduced as a result of the disability. The insurance company will conduct an analysis of the percentage of the income that is lost as a result of the disability. Depending upon the language of the policy, and the percentage of income that is lost, the insurance company will determine the amount of the residual benefit to be paid. In our experience, residual benefits are always a challenge. The value determined by the insurance company of the person’s income is often not the same as the value placed on it by the insured. The insurance companies often take advantage of the policyholder’s reluctance to open up the books of the business, or request a far over-reaching amount of financial information in an effort to find a reason not to pay even the residual part of the claim. Our firm has successfully represented many individuals in Michigan and other states with partial disability benefit issues. If you have suffered an injury or are unable to perform some of the duties of your occupation and are experiencing a drop in your income, you may wish to consider filing for partial disability benefits. Depending on the language in your contract, the benefits could make up for the missing income and allow you and your family to continue to enjoy the same lifestyle as you did before you became partially disabled.

We Fight the Insurance Company for You!

Why Us?

  • Over $250 Million Recovered
  • We have seen your situation before
  • We know the insurance companies’ tactics
  • We are aggressive in our approach
  • We are highly rated and received the Super Lawyers designation each year

Client Testimonials

Rating stars 5.0 Average on Martindale & AVVO
  • We know how important our work is to the people we represent, and we’re pleased to share this recent note from a client. Dear Justin and Christina, I wanted to take a moment to express my sincere g…
  • Our 60-year-old client worked for the world’s largest out-of-home advertising company as a Senior Buyer and outdoor furniture supplier, doing everything necessary to manage a contract for twenty ye…
  • Successful ERISA Appeal of Cigna Denial for High-Ranking Aviation Executive from Florida A 61-year old woman with a prestigious role at a leading aviation company never imagined she would stop work…
  • ERISA Case Headed to Trial in Federal Court – Barber v. Sun Life & Health A Federal Judge in Connecticut has scheduled a trial with live witnesses in an ERISA case, to be decided under the arbi…
  • F&N Resolves a Four Year Delay in UNUM Lump Sum Settlement Matter We were contacted by a 56 year-old man from Maryland who had been trying to negotiate a lump sum settlement of his private disa…
  • Our client, a successful New York dentist, was on claim for a number of years with Trustmark Insurance, due to severe orthopedic issues, which did not permit him to safely and effectively practice …
  • “OK, now that I have had a chance to calmly review the documents, I just wanted to thank you for all of your help. I am certain that if I would have tried to do this myself, I would not have had th…
  • The Law Office of Justin Frankel Navigates Complex Issues, From Claim Preparation to Lifetime Management, for Chiropractor A New York chiropractor in his mid-50s was concerned about complex issues …