Dealing with an insurance company should be simple. You pay your premiums every month with the expectation that when the time comes, your insurer will be there for you.
Whether it is health insurance to cover medical bills or disability insurance to support you when you cannot work, your policy is supposed to provide peace of mind. But what happens when your insurance company refuses to honor its promises?
Insurance law can be complicated, and the fine print in policies often works against policyholders. But that does not mean you have to accept a denial as final. Many insurance claims are denied unfairly, and with the right legal help, they can be successfully challenged.
We have spent decades helping people just like you get the benefits they deserve, and we are ready to do the same for you.
When you are dealing with an insurance dispute, it can feel like you are up against a giant. But the truth is, insurance companies are not invincible. They are bound by laws and regulations designed to protect consumers, and, when they violate those rules, they can be held accountable.
If your insurance claim has been wrongfully denied, delayed, or underpaid, contact Kantor & Kantor at 818-886-2525 for a free consultation, and let us work together to get you the benefits you deserve. We are people helping people, and we are ready to protect you and fight for your rights.
Types of Insurance Claims We Handle
Insurance disputes come in many forms, and our firm is equipped to handle them all. We represent individuals in cases involving:
Long-Term Disability (LTD) Insurance
If an illness or injury prevents you from working, long-term disability (LTD) insurance is supposed to provide financial support. Unfortunately, LTD claims are frequently denied for unfair reasons—sometimes even after benefits have been paid for years.
Whether your claim has been rejected, delayed, or unfairly terminated, we can help you challenge the denial and get the benefits you deserve.
Short-Term Disability (STD) Insurance
Short-term disability insurance is meant to cover lost wages if you are temporarily unable to work due to an illness or injury or are recovering from surgery. But insurance companies often make the process frustrating, forcing claimants to jump through unnecessary hoops or outright denying valid claims.
Life Insurance Claims
Losing a loved one is already painful—but when an insurance company refuses to pay on a life insurance policy, it only adds to the stress. Insurers may deny claims due to alleged misrepresentations on the application, missed premium payments, or vague policy exclusions. If you are facing a life insurance claim denial, we will fight for your rightful benefits.
Long-Term Care Insurance
Long-term care insurance (LTC) is supposed to help with the costs of assisted living, nursing homes, and in-home care. But too often, insurers deny or underpay these claims, leaving families struggling to afford necessary care.
If your LTC claim has been denied or you are being given the runaround, we can help ensure you get the coverage you paid for.
Governing Law of the Claims We Handle
Insurance claims are almost always governed by either federal or state law. The applicable legal framework often determines how your case is handled and what rights you have. We represent clients under both:
ERISA Insurance Claims
If your insurance benefits come through your employer, they are likely governed by ERISA (the Employee Retirement Income Security Act). ERISA claims are complex, with strict deadlines and limited opportunities for appeal.
If your ERISA claim for disability, health, or life insurance benefits has been denied, it is essential to have an experienced ERISA attorney on your side to fight for your rights.
Insurance Bad Faith
When you buy an insurance policy, you expect your insurer to act in good faith—meaning they should fairly evaluate your claim and pay what they owe. But sometimes insurance companies look for ways to avoid paying by using delay tactics, unreasonable denials, or lowball offers.
This is known as bad faith, and it is illegal. If your insurer is playing games instead of honoring your policy, we will fight to hold them accountable.
Our insurance lawyers in Oregon can guide you every step of the way. Contact Kantor & Kantor at 818-886-2525 today for a free consultation.
Tactics Insurance Companies Use to Deny Claims
When you are dealing with an insurance claim, it can often feel like the odds are stacked against you. Insurance companies, while seemingly supportive in their advertisements, can become formidable opponents when it is time to pay out on a claim. Here are some common tactics to be aware of:
- Denial of Claims: One of the most straightforward tactics is outright denial. Insurance companies often find small discrepancies or technicalities to justify not paying a claim.
- Requiring Unnecessary Documentation: Another common strategy is to ask for an overwhelming amount of documentation, some of which may not even be directly relevant to the claim. This can be exhausting and confusing, deterring many from pursuing their claim fully.
- Misinterpreting the Insurance Policy: Sometimes, the language in insurance policies is used against policyholders. Insurers might interpret the wording in ways that minimize their responsibility to pay.
- Surveillance and Privacy Invasion: Some insurers use surveillance to undermine your claim. They might watch you to see if your actions match your reported limitations.
Why Choose Kantor & Kantor?
When you are facing an insurance dispute, the choice of your legal representation can make all the difference. Here is why you should allow Kantor & Kantor to fight for your rights:
Thought Leaders in Insurance Law
Our attorneys have spent years focusing on insurance law, giving us nuanced insights into both the legal landscape and the tactics used by insurance companies to deny claims. This focused expertise means we are well-equipped to handle even the most complex disputes across a variety of claim types.
Proven Track Record
We have successfully secured millions of dollars for our clients in denied, delayed, and underpaid claims. Our history of favorable outcomes speaks to our capability and relentless advocacy.
Client-Centered Approach
Our goal is to reduce the stress of dealing with insurance disputes so you can focus on your recovery. We handle the legal complexities and advocate for your rights, giving you peace of mind and support when you need it most.
We Make the Process Easier for You
We handle the paperwork, the legal deadlines, and the tough negotiations so you do not have to. Our goal is to take the stress off your shoulders and get you the best possible outcome.
How We Can Help with Your Insurance Case
We know that dealing with insurance issues can be one of the most stressful and confusing experiences. That is why we are here to take the burden off your shoulders. Our approach is all about making the process as smooth and supportive as possible for you. Here is how we can help:
1. We Will Hear Your Story
The first step in handling your insurance case is listening to your story. We want to understand what you are going through, how the insurance company’s actions have affected you, and what you hope to achieve. This is not just about gathering facts—it is about connecting with you on a personal level and showing you that we genuinely care about your well-being.
2. We Will Review Your Policy Thoroughly
Insurance policies can be incredibly complex and filled with confusing legal jargon. We will carefully review your policy to understand what coverage you have and what benefits you are entitled to. Our goal is to uncover any potential avenues for your claim and ensure that we have a solid understanding of your rights under the policy.
3. We Will Gather Strong Evidence
To build a compelling case, we need strong evidence. We will help you gather all the necessary documentation, such as medical records, expert opinions, and any other relevant information. Our team knows what evidence is most persuasive and how to present it in the best possible light.
4. We Will Build a Strong Case
With the evidence in hand, we will craft a compelling case to present to the insurance company. Our team knows the tactics insurers use to delay or deny claims, and we are prepared to counter them with facts and a clear narrative. We will highlight the critical points and make a strong argument for why your claim should be approved.
5. We Will Negotiate on Your Behalf
Our experienced lawyers will handle all communications with the insurance company, advocating on your behalf. We aim to resolve your case through negotiation, securing the benefits you deserve without the need for prolonged disputes.
6. We Will Take Legal Action if Necessary
If the insurance company continues to deny your rightful claim, we are prepared to take legal action. Our team has extensive experience in insurance litigation and will represent you in court if needed. We are committed to fighting for your rights and ensuring that justice is served.
Contact Our Oregon Insurance Attorneys
Insurance companies should be there to help you in times of need, not make your life harder. But they put their profits ahead of people. We have spent years holding insurance companies accountable and helping people just like you get the benefits they deserve.
At Kantor & Kantor, we believe in standing up for policyholders because we know how much is at stake. Your financial stability, your health, and your future should not be left in the hands of an insurance company that is more concerned with its bottom line than your well-being.
If your insurance company has denied, delayed, or underpaid your claim, contact our Oregon insurance attorneys at 818-886-2525 for a free consultation.
Attorney Glenn R. Kantor
Glenn Kantor is a founding partner of Kantor & Kantor LLP. As a young attorney, Glenn saw the injustice of wrongful insurance denials and created a law firm to represent individuals seeking to obtain their rightful benefits. Glenn is committed to ensure that clients receive the benefits they are entitled to under their insurance policies or group health plans. [Attorney Bio]
