Insurance Benefits and Medical Insurance

| Navigating the Process Obtaining Disability Insurance

Obtaining disability insurance benefits following a work injury is no small task, and can be very difficult and confusing.

We provide guidance to railroad employees following a work injury including the following aspects:

Health Insurance

Dental Insurance

Supplemental private disability insurance

In the event of an injury where the employee is placed on medical leave and will require missed time from work, the employee’s railroad medical insurance will continue to provide coverage, but certain steps may need to be taken in order to keep the insurance active. In addition, if the injury prevents the employee from returning to work for the railroad, the railroad’s health insurance policy will remain in effect, but only for a limited period of time.
In addition to making sure your medical insurance coverage remains in effect following an injury, there are additional benefits you may be entitled to receive as many railroad workers have purchased private disability insurance policies through companies such as Provident, MetLife, Trustmark and Aetna.
A comprehensive list of insurance companies and information related to health, disability and life insurance questions and/or benefits can be found at the top of this page by clicking on on our helpful websites link. Each of the organizations of the Helpful Website list is linked to its individual website where you can find detailed information about it.
st. louis attorney patrick o'brien

| Awards and Accreditations

5 Star Rated

He has consistently received a 5.0 out of 5, the highest possible rating for professional ethics and legal ability awarded by the organization's peer review rating system.

AV® Preeminent™

Patrick S. O’Brien has been designated an AV® Preeminent™ Peer Review Rated attorney by Martindale-Hubbell annually since 1995.

Best Lawyer & Best Law Firm

He is also proud to have been selected a “Best Lawyer” in America for Railroad Law in 2013, 2014, 2015, 2016 and 2017. His Law Offices of Patrick S. O’Brien, LLC has been selected as a “Best Law Firm” in America in 2014, 2015, 2016 and 2017.

Avvo

Patrick is proud to have attained a 10.0 (superb) rating from Avvo.com.