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 […]
Losing your home to wildfire is devastating. In the aftermath—while sorting through what remains and trying to figure out how to move forward—it is natural to feel overwhelmed by the insurance claims process. Many victims do not know what to do next or whether hiring a wildfire insurance attorney is necessary. Short answer: You do […]
Losing your home to wildfire is traumatic enough, but when the insurance company you have trusted and paid premiums to for years turns around and denies your claim, delays your payment for months, or offers a settlement that does not come close to covering your losses, the betrayal cuts deep. With the help of a […]
When you file an insurance claim, you expect the company you have been paying premiums to for years to step up and honor their commitment. Instead, you are met with endless requests for documentation, unanswered phone calls, and excuses that leave you feeling helpless. Each day that passes without resolution adds to your stress, your […]
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 […]
In California, navigating the complex landscape of disability claims can be overwhelming, especially when it comes to chronic illnesses. Many individuals facing these health challenges wonder if they can file for disability insurance while still managing to work. The short answer is yes, but several risks and nuances are involved in this process that must […]
