Glenn Kantor, founding partner of Kantor & Kantor in Northridge, CA, oversees one of the largest ERISA law firms in the country. The firm focuses primarily on helping employees obtain wrongfully denied insurance benefits for disability, health, long-term care and life insurance policies under the Employees Retirement Income Security Act, but also works with people denied benefits under individual policies.
For more than 20 years, Kantor has represented people with disabilities such as multiple sclerosis, lupus, Crohn's Disease, Fibromyalgia, Epstein Bar, HIV/AIDS, Parkinson’s Disease, Alzheimer’s, cancer, spine and back injuries, cardiac disease, depression, drug and alcohol addiction and a host of other conditions against insurance companies who have wrongfully denied health, disability or long-term care benefits. He has also helped family members obtain wrongfully withheld life insurance benefits in situations regarding DUI deaths, domestic partnerships, failure to disclose, and improper enrollment, among other issues.
In 2011, Kantor worked with California Insurance Commissioner Dave Jones to help pass Insurance Code section 10110.6, a law that bans “discretionary clauses” in insurance contracts and prevents disability insurance companies from inserting language into polices that gives them discretion to deny claims.
Keynotes, Seminars, Breakouts and Workshops:
Obtaining Insurance Benefits for Your Clients’ Care: Healthcare professionals are often forced to work with insurance companies to help clients obtain benefits. This seminar offers best practices for submitting claims, documenting treatment, providing evidence and making sure claims get paid.
Legal Perspectives on Long-Term Care Insurance: This presentation reviews typical policy language of a variety of LTCI policies, details reasons benefits are denied and suggests tactics and procedures to avoid coverage disruption and to challenge benefits denials.
Troubleshooting Insurance Claims: What policy language really means, what policyholders think it means and what insurers tell you it means. This presentation tells you how to read and understand your policy in order to deal effectively with insurer denials.
Fighting Carrier Tactics to Deny Long-Term Disability Insurance: As insurers become more and more obsessed with the bottom line or policyholder care, delays and denials increase. This presentation discusses the major reasons a carrier will use to hold benefits hostage and how you can anticipate and cure these situations before you make your first claim.
Partial Past Speaking List: National Multiple Sclerosis Society; the California Association of Health Care Services at Home; the National Association for Home Care and Hospice; Western Region Geriatric Care Managers; California Advocates for Nursing Home Reform; Private Duty Home Care Association; National Business Institute; National Fibromyalgia Association; Lupus Foundation of America; AIDS Project Los Angeles; HIV & AIDS Legal Service Alliance; American Bar Association
- Peterson v. AT&T: District court ruling that found AT&T “abused its discretion” (took advantage of its policyholder) and wrongfully denied long-term disability benefits. The court found AT&T’s benefits termination was illogical and without support in inferences that may be drawn from the facts. This was the first decision ever against the AT&T plan, and a few weeks later another decision came down against AT&T that relied on arguments and rulings Kantor made and won on behalf of other clients.
Kurth v. Hartford Life & Accident Ins.: Kantor argued, and the court agreed, that even though courts cannot typically overrule an insurer’s benefits decision, when a conflict exists, the court is allowed to examine the decision for abuse of discretion. In this case, where the insurer both determined eligibility and paid benefits, a conflict existed. The court ruled that because the insurer failed to conduct a meaningful dialogue with the plaintiff about what it would accept as evidence and also failed to conduct an independent medical investigation, it had abused its discretion in denying benefits
Letvinuck v. Aetna Life Ins. Co.: Federal appeals court ruled that Aetna abused its discretion and wrongfully denied the plaintiff’s disability benefits. A decision of this type, ruling on the record rather than remanding to the district court to correct its errors, is extremely rare in ERISA litigation. The ruling ended the plaintiff’s six-year struggle with her employer’s disability plan; the ultimate victory required two trials and two appeals to the 9th Circuit.
Mitchell v. CB Richard Ellis Long-Term Disability Plan: Kantor won a federal court after the defendants appealed a district court’s award of long-term disability benefits. In doing so, at both the trial and appellate level, Kantor overcame the denials of not one but two disability insurers because the disability spanned the employer’s transition from one insurer to another.
- Rorabaugh v. Continental Cas. Co.: A trial court verdict and a federal appeals court win after a client with Parkinson’s Disease was denied disability benefits. The insurer had erroneously evaluated the plaintiff’s disability, and both courts agreed, awarding the plaintiff back and ongoing benefits.
What People Are Saying About Kantor & Kantor LLP:
"After suffering with constant pain for nearly seven months, losing the job I loved and then being denied my long term disability, I was extremely discouraged when I began looking for help. With a few phone calls from Mr. Kantor to my insurance company, my long term disability was reinstated. The financial burden was lifted and I have hope again. I am a life you have touched. May God bless you richly."
“With you in my corner, I felt enabled and no longer alone. Some big insurance companies feel emboldened to take arbitrary action against those who do not have the resources to defend what is rightfully theirs. Thank goodness for people like you who advocate for folks in need. … You have restored my faith in the goodness of people and renewed my confidence in the future. I am forever grateful."
"Thank you for being lawyers with a heart."
“Thank you again so much for coming to our chapter office a couple of weeks ago to meet with our programs and services staff. … Our staff got the clear message that they could call you to ask a question on behalf of one of our clients, even if that person does not hire your firm to take the case. Having this type of resource is critical in the work we do.”
Audra Hindes, MSEd, MHC
Senior Director, Clinical Programs, Services & Advocacy
National Multiple Sclerosis Society
Southern California & Nevada Chapter
"More than your skilled expertise, uncompromising professionalism and breadth of experience, we have been immensely impressed with the sincerity, generosity and integrity with which you conducted our affairs, acted on our behalf and guided us through the sometimes confusing process. … We will never forget the good you have done and may you continue to earn gold stars. "
"Thank you Glenn for accepting my case. … I don't know much about how these legal things are handled, but I could tell by your communications with me, making sure I was always informed, that you were on top of it all. Also, you were ALWAYS available to me to answer questions, and your compassion for me and my situation is so much appreciated. I have had limited exposure to the legal system and attorneys, but I have never been able to just call and talk to them, as I could with you. I always had to speak with someone in the office that couldn't really answer my questions. My sincerest thanks and best wishes for you both You have restored my faith in the goodness of people!"