Phil Harding, Member of Harding & Associates P.C. - Disability

Managing Partner, 1991 - present

We at Harding & Associates take the practice of law very seriously. We promote the rights of our clients who are severely damaged and injured. To find out if your case fits the internal guidelines of Harding & Associates, either call us for a free consultation and evaluation of your claim at 800-878-7888 or email us relevant information on your case by clicking here.
One of the important protections for your future that you may have purchased is a long term disability insurance policy. This important protection replaces income that you would have earned if you had not become disabled due to an injury or illness. The income replacement may be the only way to provide for your family if you cannot provide for them.
Unfortunately, we know that many insurance companies do not pay the amount that they agreed to pay. They find ways to say that you are not really disabled, and even may retain doctors from one of their lists who will agree that you are not disabled.
If your insurance company denies your long term disability insurance benefits, please give us a call, and we will go over your policy, your medical condition, and work with you to receive the money that you are entitled to receive. We know all the ways that companies use to keep from paying you, and we know how to present a winning case for you.
This is a very specialized area of law, and one that you should entrust only to a person familiar with the specialized legislation and case law that applies to these claims. If your employer provided the long term disability insurance policy to you as an employment benefit, your claim will most often be governed by the federal law known as ERISA. Under this statute, you do not present evidence in court, for the most part, and your submission to the insurance company is critically important. We know the correct way to properly document your file while that is still possible. If you wait too long, the file will be closed, and you may not be able to present the proper evidence to support your claim.
We also find that many of our clients are overwhelmed by the process of applying for benefits, and appealing adverse rulings by their insurance company. We help by taking over the difficult and often frustrating process for you, and make certain that it is done correctly for you.
In a recent case this firm won a $3,000,000 verdict against a liquor store that sold liquor to minors who then caused the death of two high school students. (Click here to read more about this important case as published in local Denver newspapers).
We have vast experience regarding personal injury cases. It is important for you to immediately contact the attorneys at Harding & Associates, so that we can start to preserve evidence, commence an immediate investigation of the accident to ensure that all responsible parties are named and that any reports or statements are accurate. The attorneys at Harding & Associates will also make sure that all time frames for filing a lawsuit or notice are strictly met. If you miss these important dates, this could mean you will not recover any damages/compensation -- no matter how good your case is.