For many long-term disability (LTD) claimants, the new year brings unwelcome surprises: benefits that suddenly stop, payments that unexpectedly decrease, or demands for extensive new documentation. If you’re experiencing these issues, you’re not alone—and it’s not a coincidence. Why January? The Annual Reevaluation Cycle Insurance carriers operate on annual cycles that align with the […]
Being a caregiver means wearing many hats—nurse, advocate, coordinator, and often, insurance claims manager. When your loved one becomes disabled due to illness or injury, navigating the complex world of disability and long-term care insurance can feel overwhelming. Between managing medical appointments, coordinating care, and handling daily needs, the last thing you need is a […]
Long-term care insurance has become increasingly complex in 2026, with families across California and nationwide facing new challenges when filing claims or purchasing policies. At Kantor & Kantor, LLP, we’ve observed significant shifts in how insurance carriers handle long-term care benefits—changes that directly impact policyholders who have paid premiums for years, expecting coverage when they […]
As a caregiver, few things are more frustrating than watching your loved one struggle with daily tasks while their long-term care (LTC) insurance company denies the benefits they desperately need. You’ve paid premiums for years, followed the rules, and submitted all the required paperwork—yet the claim was rejected. If this sounds familiar, you’re not alone. […]
Years after the pandemic, Long COVID remains one of the most misunderstood and frequently denied conditions in disability insurance claims. Despite growing medical research and recognition from major health organizations, insurance companies continue to apply outdated standards and a skeptical approach to Long COVID claims. If you’re struggling with debilitating Long COVID symptoms and your […]
Long-term disability claims are won or lost based on the strength of your evidence. In 2026, insurance carriers are more aggressive than ever in scrutinizing claims, particularly for conditions that don’t show up clearly on imaging or lab tests—chronic illnesses, Long COVID, autoimmune conditions, fibromyalgia, chronic fatigue syndrome, mental health disorders, and similar conditions that […]
As the population ages, more individuals and families are facing the realities of cognitive decline, including dementia and Alzheimer’s disease. These conditions require specialized care that can be both emotionally and financially taxing. For many families, long-term care (LTC) insurance is a crucial resource. But a common question arises: Does long-term care insurance cover dementia […]
When navigating the complex world of long-term care (LTC) insurance, one term you may encounter is “lack of medical necessity.” This phrase can feel overwhelming and frustrating, especially in the context of claims denial. To help you understand what this term means and how it affects your LTC insurance, Kantor & Kantor, LLP, explores its […]
When you file a disability insurance claim, you expect your insurance company to honor the contract you have been faithfully paying premiums on for years. Unfortunately, the reality is often far different. Behind the scenes, insurance companies deploy sophisticated investigation tactics designed not to verify the legitimacy of your claim, but to find any possible […]
Dealing with a disability can be an arduous journey, one filled with emotional and financial strain. If you find yourself in the position of filing a disability claim, you may be surprised to learn that your insurance company could be closely monitoring your activities. The American Bar Association claims that surveillance in disability claims has […]
