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The Impact of Pre-Existing Conditions on Long-Term Disability Claims

The Impact of Pre-Existing Conditions on Long-Term Disability Claims

When your lifestyle and livelihood are built on years of hard work, a long-term disability can feel like an unexpected storm. The stakes are even higher when insurance companies exploit pre-existing condition clauses to deny benefits unfairly. These companies often treat pre-existing conditions as a convenient loophole to minimize payouts, even when your disability has […]

The Importance of Understanding Your Long-Term Disability Policy

The Importance of Understanding Your Long-Term Disability Policy

For successful professionals, managing the unexpected often includes relying on a safety net—like your long-term disability (LTD) insurance. But what happens when the safety net unravels, leaving you to navigate a labyrinth of exclusions, denials, and delays at the worst possible time? Long-term disability insurance is supposed to provide peace of mind, but many people […]

Understanding the Differences Between State and Federal Insurance Laws in California

Understanding the Differences Between State and Federal Insurance Laws in California

Insurance laws can be complex, especially when determining whether state or federal regulations apply to your situation. California has its own robust set of state insurance laws designed to protect consumers and hold insurers accountable. Meanwhile, federal laws like ERISA and the Affordable Care Act (ACA) often establish broader national standards. So how do you […]

Key Differences Between ERISA Disability Claims and Private Insurance Claims in California

Key Differences Between ERISA Disability Claims and Private Insurance Claims in California

Dealing with a disability is challenging enough without the added stress of navigating a complicated insurance claim. Unfortunately, many Californians discover that securing disability benefits—whether through an employer-provided policy or a private one—is rarely as straightforward as they expect. At Kantor & Kantor, we  know better than anyone just how difficult insurance companies can make […]

What to Do if Your Long-Term Disability Benefits Are Terminated

What to Do if Your Long-Term Disability Benefits Are Terminated

Long-term disability (LTD) benefits provide a crucial lifeline, ensuring financial stability when illness or injury prevents you from working. When these benefits are suddenly cut off, the impact can be devastating. For successful professionals, this disruption can jeopardize a carefully built lifestyle and long-term plans. Insurance companies often terminate benefits with little notice, citing reasons […]