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    Bill Demas

    • Specializes in ERISA Disability, Life Insurance, and First Party Insurance Cases
    • Practicing Law Since 1997
    • Active Member of Clearwater Bar Association and Former Chairman of Professionalism Section

    Why Choose Herman & Wells?

    1. Bill Demas handles cases related to ERISA Disability, Long-Term & Short Term Disability, Accidental Death, and Dismemberment.
    2. Our ERISA attorney has been practicing for over 20 years and actually began his career working for the insurance companies. He knows exactly what tactics they’ll use and how to beat them in court.
    3. If you need an ERISA attorney, we’re only a phone call away. Herman & Wells is committed to treating our clients like VIPs.

    What To Expect With Our Firm

    • Personalized Attention: Your case review is not just a formality; it’s a one-on-one evaluation with our team focused on your unique situation.
    • Flexibility and Convenience: With options for phone, Zoom, or in-person evaluations, we make it easy for you to get the legal advice you need in a way that fits your life.
    • Free Professional Evaluation: We believe in providing access to justice, starting with a free case review to help you understand your legal standing and options.
    • Direct Lawyer Contact: Unlike some firms, we ensure you speak directly with an attorney who can provide the expert advice and personalized attention your case deserves.

    Please Note: Filling out our contact form does not automatically mean that you will end up consulting directly with one of our attorneys. One of our intake specialists will contact you first to gather some initial information. 

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    Why Claims Get Denied

    This denial has probably left you feeling confused, upset, and scared. That is completely understandable.

    The reasons for the denial can vary from the insurance company claiming it did not get the right information from your doctor, to a change in the definition of disability that impacts your long term eligibility.

    Many disability claims are denied during the initial application stage. However, there are steps you can take to appeal the decision.

    What Can You Do?

    Did your adjuster tell you that appealing the denial is a straightforward process?

    The reality is that your adjuster’s loyalty is not to you. Their goal is to increase the company’s bottom line, even at the expense of you and your family.

    The appeal process is complicated and a misstep could leave you without the option to file a lawsuit (if necessary).

    This is where Bill can help! He knows how to keep insurance companies accountable to their policyholders.