Representing Clients Throughout California
No-Cost Consultations

Call or fill out the form below for a
no-cost consultation.

  • Please enter your name.
  • This isn't a valid email address.
    Please enter your email address.
  • This isn't a valid phone number.
    Please enter your phone number.
    You entered an invalid number.
  • Please enter a message.
    Please select an option.
Was your long-term insurance claim denied?

Long Term Disability Insurance Attorneys

Helping You Recover The Benefits You Deserve

If you're dealing with a denied claim, we can help get your disability insurance benefits paid. There are many different types of disability benefits. Workers Compensation, Social Security and Short and Long term disability policies are issued to individuals and employers. In the disability field, we work exclusively with people who have had their long and short term disability claims denied.


Call us at (877) 783-8686 to see if we can help!


ERISA & Disability Laws in California

ERISA, the acronym for the Employee Income Retirement Security Act of 1974, was designed to protect employee rights. That means that all insurance lawsuits concerning long term disability, short term disability, health and life insurance provided by an employer are governed by federal laws, not state laws. When an employee seek the services of a disability insurance lawyer after a claim is denied, it's important to find someone who knows ERISA inside and out.

We have successfully represented people in both ERISA and individual disability cases over the past 18 years. The denial of a disability insurance claim is one of the most financially devastating events that can happen to a disabled person. The private disability insurance attorneys from Kantor & Kantor, LLP are experts in California state laws for those who have purchased individual policies, but we also specialize in the federal law ERISA that governs employer-provided benefits.

In both cases, the need to pursue the reversal of these denied claims in a timely manner is extremely important for the following reasons:

  • You may be required to respond to deadlines during the appeal process
  • You may be in dire need of money to pay for day-to-day expenses that are currently not covered by your health care policy
  • Your condition may be degenerative, and you may quickly forget details that are important to your disability insurance law case

What to do if Your Long-Term Disability Claim is Denied

First, don't give up! It may not be easy, but it is possible to appeal a denial. If your long-term disability benefits are provided by your employer, you're required by federal law to exhaust all administrative appeals before filing a lawsuit. The following steps will help make the process as smooth as possible.

  • Carefully read your denial letter. Make sure you are clear about the exact reason for denial. If, for example, your claim was denied because you were missing documentation, then you may be able to simply submit the missing information and receive your LTD benefits. Pay close attention to deadlines. Missed deadlines give the insurance companies an easy reason to dismiss your claim - don't give them the opportunity!
  • Stack your administrative record with as much favorable evidence as you can. Once you have exhausted all administrative appeals, the record on your case is closed, so no new evidence will be considered by a judge if you end up in court. Take this opportunity to submit all relevant medical records such as physician notes, emergency room records, and surgical reports. Written opinions about your physical and/or mental well-being from your doctor are helpful. You can also have any caregivers write a detailed letter to the insurance company explaining how they have to help you on a daily basis.
  • Speak to a lawyer as soon as you can. Insurance companies are counting on the fact that the general population is unfamiliar with the disability claim process. Getting legal representation from an experienced long term disability insurance lawyer can significantly improve your chances of a successful appeal.

Find the Effective Representation You Need

We have developed expertise in getting long term disability claims paid, including:

  • 160+ Years' Collective Experience
  • Free Case Consultations Provided
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®
  •  Honored With The Avvo Clients Choice Award In 2013

With effective representation, you will be able to present the claim in such a way that the insurer may reverse its decision and pay the claim. Therefore, it is important to deal with the denial of the claim immediately and not wait for the issues to become stale. If the claim is not reversed, yet is supported by your doctors and other evidence, we will sue the insurance company on your behalf. It is important to deal with the denial of a disability claim immediately!

Contact our ERISA long term disability lawyers today to schedule a complimentary case consultation.

What Sets Us Apart?

  • Free Case Consultations Provided
  • 160+ Years' Collective Experience
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®

Client Testimonials

  • Your kindness will never be forgotten.

    “Dear Glenn, Several weeks ago, you graciously met with my husband and me and provided us with invaluable advice vis a vis his application for Long Term Disability and the Voluntary Transition Plan offered by his employer. Your calming presence and thoughtful guidance was so gratefully appreciated and we both felt much lighter as we left your office. We are pleased to advise you that David's application for LTD was approved the day after we met with you (sigh of relief)! Had it not been, we knew when were we would go for representation. We both want to thank you for your thoughtfulness and generosity of spirit. Your kindness will never be forgotten. With Warmest Regards, Lori and David C.”

    Lori & David

  • I am a life you have touched. May God bless you richly.

    “After suffering with constant pain for nearly seven months, losing the job I loved and then being denied my long term disability, I was extremely discouraged when I began looking for help. With a few phone calls from Mr. Kantor to my insurance company, my long term disability was reinstated . The financial burden was lifted and I have hope again. I am a life you have touched. May God bless you richly.”

    Susan H.

  • Thank you for being lawyers with a heart.

    “Thank you for being lawyers with a heart.”

    Miriam T.

  • The arguments you made on our behalf at the mediation resulted in a more positive outcome for our case than we could have otherwise expected.

    “We appreciate that you found merit in our case, and that you were both willing and able to be present at the mediation. We believe that the arguments you made in our favor to the mediator were able to influence the outcome towards resolution that we could feel satisfied with. In the end, we believe that your counsel, your support, and the arguments you made on our behalf at the mediation resulted in a more positive outcome for our case than we could have otherwise expected. Throughout you were always professional, but direct and clearly firm on our position. We thank you for your efforts to resolve our dispute to our satisfaction, and wish you continued success.”

    Mara T.

  • With you in my corner, I felt enabled and no longer alone.

    “Seemingly at the end of my rope with nowhere to turn, a friend suggested I call the National Multiple Sclerosis Society, who referred me to you. From our first contact I began to feel hope where there had been none. You took over all communication with the insurance company. You kept me posted as things progressed and advised me as to each necessary action. What a relief you were! With you in my corner, I felt enabled and no longer alone. Some big insurance companies feel emboldened to take arbitrary action against those who do not have the resources to defend what is rightfully theirs. Thank goodness for people like you who advocate for folks in need. In closing, please know how very much our association has meant. You have restored my faith in the goodness of people and renewed my confidence in the future. I am forever grateful.”

    Shirley G.