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 […]
If you’ve filed a claim for health, disability, life, or other employee benefits and received an adverse benefit determination letter, you may be left feeling frustrated and confused. At Kantor & Kantor, LLP, our experienced ERISA and insurance attorneys in California have helped thousands of clients understand and challenge these letters. Received an adverse benefit […]
Health insurance exists to provide a financial safety net when medical care becomes necessary. When a claim comes back denied, that safety net disappears at exactly the wrong moment. Denials are more common than most people realize, and the reasons behind them range from administrative oversights to more complex coverage disputes. Some are straightforward to […]
Over 50 million Americans have a mental illness. Despite this overwhelming number, the denial of health insurance coverage for mental health treatment continues to be extremely common, despite federal and state parity laws that are supposed to ensure fairness. On January 26, 2022, our client was admitted to a residential treatment program for teens and […]
ProPublica released a scathing article on March 25, 2023, detailing the manner by which Cigna has systematically denied hundreds of thousands of medical claims in recent years by using automated systems which allow Cigna doctors to “instantly reject a claim on medical grounds without opening the patient file.” Claimants were left with unexpected bills and […]
Health insurance benefits are meant to cover the costs of necessary healthcare in the event of illness or injury. But what if your limited health insurance provider network makes the benefits impossible to obtain?More and more often we are seeing health insurance policies which have insufficient provider networks. If a health insurance policy provides benefits […]
Make Mental Health & Well-Being For All A Global Priority“We must strengthen mental health care so that the full spectrum of mental health needs is met through a community-based network of accessible, affordable and quality services and supports.Stigma and discrimination continue to be a barrier to social inclusion and access to the right care; importantly, […]
If you find yourself confused about health insurance terms, you are not alone. A recent Forbes Advisor survey of 2,000 Americans who have health insurance found that over three-quarters of the people surveyed could not identify the term “coinsurance” and nearly half struggled to define the terms copayment and deductible.Kantor & Kantor works with patients […]
What is Long-Term Care InsuranceLong-Term Care Insurance provides coverage for elderly or chronically ill individuals who are unable to perform daily activities such as dressing, bathing or eating, or who have cognitive deficits which require them to be supervised for their own safety. These policies are often purchased decades before such coverage will be utilized […]
Knowing Your Rights and Protections Against Surprise Medical BillsOften, we hear from people who have received “surprise medical bills.” This blog will help you understand how you can avoid surprise medical bills, what protections you have against balance billing, and some tips to avoid balance billing altogether.What is Balance Billing?When you see a doctor or […]
