Contact Us

Kerr Law, P.C.

Main Office Location:

119 Davis Road, Suite 1F
Martinez, GA 30907
Toll free: 877-631-0330
Phone: 706-564-7243
Fax: 706-262-4426

Mailing Address:

P.O. Box 211006
Augusta, GA 30917

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Avvo Top Contributor 2013 | Insurance

Disability Claims

Why do you need a disability lawyer?

Insurance companies make money by selling insurance, collecting premiums and then investing that money. They do not make money by paying claims. Therefore, if your insurance company is making the decision as to whether to pay your claim and the money comes out of its own pockets, there is a clear conflict for the company.

With years of experience dealing with disability claims, we can help you collect disability benefits under the contract signed with your insurance company.

We have dealt with and fought against most of the major disability insurance companies, including:

  • Unum
  • Provident
  • Paul Revere
  • The Standard
  • Reliance Standard
  • Hartford
  • Prudential
  • Cigna
  • Aetna
  • Great West
  • Berkshire
  • Guardian
  • Northwestern Mutual
  • Liberty Mutual
  • Mutual of Omaha
  • NY Life
  • MassMutual
  • MetLife
  • Union Central
  • Principal Financial
  • AIG


Our experience fighting for disability benefits gives you an advantage. We have worked with hundreds of clients and recovered millions of dollars, and we look forward to working for you.

Additionally, the years of experience working in the health care field provides us with a unique ability to understand commonly encountered disabling conditions such as:

  • Fibromyalgia
  • Low back pain
  • Cervical neck pain
  • Depression
  • Anxiety
  • Lupus
  • Substance abuse
  • Multiple Sclerosis
  • Essential tremor
  • Seizures
  • Bipolar Disorder
  • Carpal Tunnel Syndrome


These are conditions for which long-term disability benefit insurance companies frequently deny claims. We have personally handled claims for clients suffering with one or more of these conditions. This is not an exhaustive list, however. We have handled claims for many other illnesses and conditions, and we have experience with many more as part of our professional experience.

Contact Information
Kerr Law, P.C.
Main Office Location:
119 Davis Road, Suite 1F
Martinez, GA 30907
Toll free: 877-631-0330
Phone: 706-564-7243
Fax: 706-262-4426

Applying for Disability Benefits

If you are thinking about applying for disability benefits, you should think twice about completing the forms on your own and submitting them. Do not think that an insurance company will take your statements and your doctor's statements that you are disabled at face value.

As noted above, it costs insurance companies money to pay claims, and they would prefer not to do so. As a result, they scrutinize claims in an effort to find a reason — any reason — to deny your claim. Our experience in completing these forms as well as structuring your claim and the facts surrounding your disability benefits claim can put you in a much better position to have your disability benefits claim approved.

Fighting Denials of Disability Benefits Claims

Having a disability benefits claim denied is very stressful for someone who is unable to work. Often disability benefits are the only source of income for a disabled person. For this reason we can do work on a contingency fee basis, where there are no upfront fees or costs to the client unless we make a recovery for him or her. While it is preferable that we are involved much earlier in the disability benefit claim process, we do fight denials of disability benefits.

It is not unusual for a person to be denied after being on claim for some time. We have even had clients who have been denied after being paid for eight years. We have disputed hundreds of incorrect claim decisions, including writing appeals to have disability benefit claim denials overturned, for both private and ERISA-based claims. We can do the same for you.

Monthly Claim Handling of Disability Benefits Claims

When we are involved, your direct contact with the insurance company stops. We speak for you and put your best foot forward at every turn. We work with you and your doctors to continue to provide adequate and appropriate support for your claim to the insurance company.

Even if your claim for disability benefits is approved, the insurance company will continue to intrude on your life. Monthly claim forms, attending physician statements, field interviews and video surveillance can become burdensome for people who are already disabled. Additionally, insurance companies will continue to find a way to deny further disability benefits. We can help to ease the burden of dealing with them and help to put your mind at rest, knowing someone who has experience dealing with your situation is looking out for you.

Negotiating Lump-Sum Buyouts of Disability Benefits Claims

A lump-sum buyout is a one-time, lump-sum payout to the disabled person instead of paying benefits out over a longer period of time, often until age 65.

Sometimes people need money NOW. We can approach your insurance company and see if they want to buyout your policy. Alternatively, sometimes insurance companies will approach people who are already being paid and offer to buy them out. Whatever the situation, disability benefits carriers are sometimes interested in "buying out" a policy.

Given a disability benefits insurance company's interest in keeping as much money as possible, we can help you negotiate a settlement that is fairer and hopefully help you recover more money than you otherwise would have. We have negotiated buyouts for many different types of claims and with various disability benefits carriers.

Fighting Denials of Claims Under Other Types of Insurance

We also fight insurance companies seeking other types of benefits for our clients. Other types of insurance claims that we have handled include:

  • Long-term care
  • Health insurance
  • Catastrophic illness


Contact us to discuss how we can help you with these types of claims.

Contact Us Today

E-mail or call us at 706-564-7243 or toll free at 877-631-0330 to discuss your case. We can provide the reliable, experienced representation you need.


At Kerr Law, P.C., we represent clients across the United States in business law and insurance claim denial cases from our law office in Martinez, Georgia. We are easily accessible in the cities of Augusta, Atlanta, Thomson, and Wrens, as well as throughout the Central Savannah River area, Augusta-Richmond County, Richmond County, and Columbia County, GA. Within South Carolina, in the cities of North Augusta, Aiken, and Columbia, and throughout Edgefield county, Beaufort County, and Aiken County, SC. We serve clients nationwide.