Jesse Cowell
Lawyer
Jesse brings more than 15 years of legal experience to the firm, with specific expertise in civil litigation. His practice has ranged broadly across state and federal court at the circuit, district, and appellate levels. Additionally, Jesse has considerable experience advocating before administrative and governmental agencies. Besides disability, Jesse has experience with HOA and landlord-tenant matters.
Raechel Cowell
Office Manager
Raechel leverages her background in hospitality management and teaching to run all aspects of the office and offer compassionate assistance through the legal process.
You should not have to fight for benefits you earned — especially while you are already fighting for your health. We are here to carry that weight with you.
When Litigation Becomes the Next Step
Disability litigation typically follows an unsuccessful administrative appeal. Under ERISA, once you have exhausted the insurer's internal appeals process, you have the right to file a civil action in federal court seeking the benefits owed under your plan.
Litigation may be appropriate when:
- Your appeal has been denied and benefits remain withheld
- The insurer acted in bad faith or failed to provide a fair review
- The administrative record supports your claim but the insurer continues to deny
- Your policy does not fall under ERISA and state-law remedies apply
- You are approaching a statute of limitations deadline
Not every case is appropriate for litigation. We evaluate each situation honestly and advise clients on whether pursuing a lawsuit is likely to produce a meaningful result.