Long-term disability (LTD) benefits provide financial support when you are unable to work due to a disability. But what if you are considering returning to work, even part-time? The answer depends on your policy, medical condition, and work capacity. Many insurers use your return to work as a reason to reduce or deny benefits, even […]
When you have built a life defined by success and stability, a medical condition that prevents you from working can be both a personal and financial shock. The growing pile of medical bills and uncertainty about the future are already overwhelming—and battling with an insurance company can add a devastating layer of stress. Unfortunately, insurers […]
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 […]
When you think about your future, your retirement, and the benefits you have worked hard for, the last thing you want to worry about is whether you will actually receive them. For many California employees, understanding the laws that protect these benefits, particularly ERISA, is crucial. You might be wondering why you even need to […]
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 […]
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 […]
For many, a life insurance policy provides a crucial safety net, promising to help ease the burden during such a painful time. So, when an insurance company denies a claim, it can feel like the rug has been pulled out from under you. The shock of a life insurance claim being denied can feel like […]
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 […]
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 […]
Long-term disability (LTD) insurance promises a safety net when you are unable to earn an income due to a serious illness or injury. Unfortunately, the process of securing LTD benefits is seldom straightforward. Many who apply for these benefits find themselves facing denial letters instead of the support they were promised. It can leave you […]
