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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

  • There are no words that can express the feelings of gratitude and relief I have that you helped us.

    “I wanted to thank you again for all of your help. My daughter would not be in treatment without your help. I can never thank you enough, there are no words that can express the feelings of gratitude and relief I have that you helped us, and I believe saved my little girl. Taking her back to Timberline Knolls was very difficult in many ways, I wish UBH could know the damage they have done to her by having her go in and out like this. When she went into Timberline Knolls the first time she was not happy to go exactly, no one wants to go into treatment, but she was open to going in and ready, for the first time, to really look at her issues and work hard to get better. When she had to leave Timberline she expressed that she wished she could have stayed because she felt like she was finally at a place where she was getting better and, though it was hard, she was really opening up and dealing with her issues for the first time, something she has had a hard time doing. I just wanted you to know that she was going down to a really bad place and without you I don't know what would have happened except that she would not be at Timberline Knolls right now getting better and I thought you should know this. With unending gratitude.”

    R.

  • 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

  • You've helped to remove a great burden from our lives. It's nice to know there are decent people still in the world.

    “Thank you for your kind efforts. You've helped to remove a great burden from our lives. It's nice to know there are decent people still in the world.”

    B.

  • First of all, I want to express my extreme gratitude for probably saving my daughter's life.

    “First of all, I want to express my extreme gratitude for probably saving my daughter's life. By staying in treatment, the improvement is remarkable. She had been in eating disorder facilities many times, and treatment had been interrupted repeatedly by Anthem Blue Cross's denying benefits. Many of the health professionals were telling me that maybe my daughter was a hopeless case. You both gave me hope. She is still struggling with some residual issues around eating, but the change in her attitude, her ability to assess her own recovery, and her wish to live instead of to die, is evident in her life. Now she is back in school, after years of having her education disrupted by the eating disorder. She goes places with friends, and even goes out to restaurants for fun! This year marked the first holiday season for many years, when she had not been in a treatment facility. Other people gave up and you didn't. I can't thank you enough. You took the action that was necessary to keep my daughter in treatment long enough for it to work.”

    Anonymous

  • Thank you for being lawyers with a heart.

    “Thank you for being lawyers with a heart.”

    Miriam T.