Practice Areas
Disability Insurance Claims
Has your insurance company denied your claim? Our Michigan attorneys fight long-term disability insurers — and win the benefits you paid for.
When You Cannot Work
Long-term disability provides the income you need.
When you are injured or ill and cannot work, your long-term disability insurance is supposed to be there for you. We represent Michiganders suffering from conditions including:
Back & spine problems
Muscle, bone & joint conditions
Cancers
Injuries & accidents
Heart & blood vessel conditions
Mental health disorders
Nervous system disorders
Our Approach
We stand up to insurance companies.
We are experienced disability insurance attorneys, and our goal is to protect your rights under the insurance premiums you have paid. We have represented both individuals and groups bringing claims against major insurers.
We've litigated against
Cigna Hartford Liberty Life Lincoln National Unum Aetna Reliance Standard
The Appeal Process
Can I appeal the denial?
Yes — but talk to an attorney first. Insurance companies use procedural policy and strict deadlines to defeat unrepresented claimants. We have the experience to produce the best results for you.
Step 1
Evaluate the policy
We carefully review the insurer's policy language and the specific terms of their denial.
Step 2
Gather evidence
We contact your physician, employer, and co-workers to build a complete record in support of your claim.
Step 3
File a comprehensive appeal
We have helped doctors, dentists, nurses, engineers, construction workers, truck drivers and many more obtain their rightful LTD benefits.
Buying a Policy?
Call us first, act second.
LTD policies vary widely in quality, type, degree, and coverage. We stay current on case law and regulations and can guide you through the decision.
FAQ
Frequently asked questions
Yes. You may file an administrative appeal, but you should discuss it with an attorney first. Insurance companies have varying definitions of disability, exclusions, limitations, and strict deadlines. We help you move forward correctly so you have the best chance of a successful appeal.
Free Consultation
Talk to a Michigan disability attorney.
Tell us about your claim. We'll review your situation and follow up within one business day.
Toll Free (866) 529-3537 (586) 264-3756
44444 Mound Rd #100, Sterling Heights, MI 48314
Mon–Fri 9:00 AM – 5:00 PM
- Free phone consultation
- ERISA & long-term disability
- No fee unless we win
Client Reviews
What our clients say
"Dear Amy, Jeff, Tim and team — thank you for all your time and effort in the process of getting my mom's affairs settled and making the transfer of her condo to me so smooth. Have a blessed day!"
"I needed results against a powerful insurance company. I felt alone and quite frankly, overwhelmed. I contacted SMD Law and spoke with attorney Patrick Derkacz. Immediately I felt relief; this person really wanted to help my family and I. Pat promised me results, and he got me ju…"
"Dear Pat, (AKA my favorite attorney) — you pitched a perfect game and hit a grand slam! Thank you so much for working hard to make sense of my case with Lincoln and advocating for me. I am thankful for your kindness and compassion throughout the process. I'm glad to have a Hall-o…"
"Dearest Patrick and Jeffrey, I personally, and on behalf of my siblings, thank Patrick, Jeffrey and Amy Klimas, for providing exceptional legal services to my loving parents, Joseph P. (Retired USAF) and Joyce (Honorary Retired USAF) for so many years and at an extremely discount…"
"When I first contacted Patrick, it was during the COVID-19 pandemic. I had no idea of what to expect, but Pat was wonderful to work with. He listened to my predicament, and explained to me the process he was planning to follow. He was upfront and I understood everything I had to…"
"Patrick and his staff has handled my case efficiently and professionally to a positive outcome. He has always promptly returned my phone calls and emails like no attorney before. I can easily say he has made a positive difference in our lives. Glad he continues to have our backs."
"Phil Serafini and the other attorneys in this office are great. I have worked with them over the years and they treat everyone with the utmost respect and are tireless advocates on behalf of their clients."
"Dear Phil, I want to thank you from the bottom of my heart for all your hard work. You will never know how tremendously you have changed my life. Six years ago, when no one else would listen to me or take my case, you did. I was living in the worst time of my life, I had lost my…"
"Pat was very professional, kind and always paid attention to detail. He was also very patient with me, and that made me feel at ease and that I was in good hands. He always responded to every inquiry, and always kept us updated. I would highly recommend his services."
"Thanks so much for all your help these past five years in helping me with all the legal aspects of my folks, L & E.M.'s, trust. Thanks for answering all my questions. It's been a difficult last 5 years on making decisions for my father, but I'm so grateful that God blessed me wit…"
"I want to thank you both for all your help and hard work on my case. This certainly was good news! You both did tremendous jobs dealing with Cigna and answering my questions. Thank you and have a wonderful Christmas season!"
"Thank you so much for all of your help getting me thru this mess. You have no idea how much you have helped. I couldn't have done this without you! Only one more hurdle, yay!!"
"I really wanted to thank you, the way you talked with me and worked with me, it was amazing. I was dreading the experience and the deposition and you really made it very easy for me. So, thank you very much for a job well done."
"Dear Amy, Jeff, Tim and team — thank you for all your time and effort in the process of getting my mom's affairs settled and making the transfer of her condo to me so smooth. Have a blessed day!"
"I needed results against a powerful insurance company. I felt alone and quite frankly, overwhelmed. I contacted SMD Law and spoke with attorney Patrick Derkacz. Immediately I felt relief; this person really wanted to help my family and I. Pat promised me results, and he got me ju…"
"Dear Pat, (AKA my favorite attorney) — you pitched a perfect game and hit a grand slam! Thank you so much for working hard to make sense of my case with Lincoln and advocating for me. I am thankful for your kindness and compassion throughout the process. I'm glad to have a Hall-o…"
"Dearest Patrick and Jeffrey, I personally, and on behalf of my siblings, thank Patrick, Jeffrey and Amy Klimas, for providing exceptional legal services to my loving parents, Joseph P. (Retired USAF) and Joyce (Honorary Retired USAF) for so many years and at an extremely discount…"
"When I first contacted Patrick, it was during the COVID-19 pandemic. I had no idea of what to expect, but Pat was wonderful to work with. He listened to my predicament, and explained to me the process he was planning to follow. He was upfront and I understood everything I had to…"
"Patrick and his staff has handled my case efficiently and professionally to a positive outcome. He has always promptly returned my phone calls and emails like no attorney before. I can easily say he has made a positive difference in our lives. Glad he continues to have our backs."
"Phil Serafini and the other attorneys in this office are great. I have worked with them over the years and they treat everyone with the utmost respect and are tireless advocates on behalf of their clients."
"Dear Phil, I want to thank you from the bottom of my heart for all your hard work. You will never know how tremendously you have changed my life. Six years ago, when no one else would listen to me or take my case, you did. I was living in the worst time of my life, I had lost my…"
"Pat was very professional, kind and always paid attention to detail. He was also very patient with me, and that made me feel at ease and that I was in good hands. He always responded to every inquiry, and always kept us updated. I would highly recommend his services."
"Thanks so much for all your help these past five years in helping me with all the legal aspects of my folks, L & E.M.'s, trust. Thanks for answering all my questions. It's been a difficult last 5 years on making decisions for my father, but I'm so grateful that God blessed me wit…"
"I want to thank you both for all your help and hard work on my case. This certainly was good news! You both did tremendous jobs dealing with Cigna and answering my questions. Thank you and have a wonderful Christmas season!"
"Thank you so much for all of your help getting me thru this mess. You have no idea how much you have helped. I couldn't have done this without you! Only one more hurdle, yay!!"
"I really wanted to thank you, the way you talked with me and worked with me, it was amazing. I was dreading the experience and the deposition and you really made it very easy for me. So, thank you very much for a job well done."