Mental health claims are treated differently in long‑term disability (LTD) cases because many policies carve out separate rules for mental, nervous, or psychological conditions that do not apply in the same way to physical illnesses. Those rules often involve time limits on benefits, narrower definitions, or heightened evidentiary expectations. This can mean that two people […]
When several health conditions overlap, long-term disability claims often become more complicated. Insurance companies may focus on one diagnosis while ignoring how fatigue, pain, cognitive issues, or mental health symptoms combine to affect your ability to work. In California long-term disability claims, co-morbid conditions can make it harder to explain the full impact of your […]
Kantor & Kantor, LLP is proud to announce its inclusion in the Chambers USA California Spotlight Guide 2026, recognizing the firm as a leading small to mid-sized law firm delivering sophisticated legal services and exceptional client advocacy. Selected through Chambers’ rigorous and independent research process, the firm was recognized for its strength in Insurance: Policyholder […]
Insurance bad faith occurs when an insurance company unreasonably denies, delays, or underpays a valid claim. In California, insurers have a legal duty to act in good faith when handling claims. Examples of bad faith practices by insurance companies in California include denying valid claims without a reasonable investigation, misusing policy exclusions to justify denials, […]
The language in a long-term care insurance policy can feel like a puzzle, with each definition shaping when benefits begin, how much is covered, and what types of care qualify. When policy terms and language becomes a barrier to recovering benefits, or an insurer’s interpretation feels unjust or skewed, having a long-term care insurance claim […]
An Independent Medical Examination is rarely as neutral as it sounds. It is a medical evaluation requested by your insurance company, performed by a doctor they select and pay, designed to generate a report that often becomes the centerpiece of a claim denial. The examining physician has a financial relationship with the insurer—not with you. […]
Insurance companies can and do weaponize your online presence. They can hire investigators to surveil your digital life and systematically misinterpret innocent content to build false narratives about your capabilities. They know that social media shows highlights, not reality. They know that disabilities fluctuate. They know that a photo from a good day does not […]
You filed your disability claim expecting the insurance company to honor the policy you have been paying into for years. Instead, you received a denial letter filled with technical language and vague explanations. Now you are facing not only the physical or mental health challenges that led you to file in the first place, but […]
The time you have to file an insurance claim in California depends on your specific policy and the type of claim, but generally, you must notify your insurer promptly after an incident. However, “promptly” is intentionally vague, and missing either a policy-imposed deadline or a legal deadline can seriously jeopardize your rights. Missing the insurance […]
An ERISA disability insurance appeal is a formal, multi-step process governed by federal law that allows individuals to challenge an insurer’s decision to deny their disability benefits. Unlike a typical insurance dispute, ERISA appeals are highly technical, deadline-driven, and require building a complete evidentiary record before the insurer closes the file. At Kantor & Kantor, […]
