If you’re a California worker who gets your disability insurance through your employer, the federal law known as ERISA plays a major role in your disability claim. Most people don’t realize how complicated ERISA disability claims can be—until they face a denial or endless insurer delays. With your health and financial security on the line, […]
Facing a denial for a disability, health, or life insurance claim can be overwhelming—especially when your benefits are governed by a federal law called ERISA. Many California workers rely on employer‑sponsored insurance plans for peace of mind, but when a claim is denied, the process for fighting back is complex and requires specialized knowledge. At […]
Cognitive impairment can dramatically affect daily living, independence, and quality of life—not only for the affected individual but also for their loved ones. When cognitive decline becomes severe, filing a long‑term care insurance claim may be necessary to secure the resources and support required for proper care. Unfortunately, proving cognitive impairment for a long‑term care […]
If you’ve filed a disability or health insurance claim in California, you may have encountered the term “Functional Capacity Evaluation” (FCE). For many claimants, an FCE can be a key part of proving the extent of their illness or injury, yet the process and its significance are often misunderstood. At Kantor & Kantor, LLP, our […]
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 […]
