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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

  • You have restored my faith in the goodness of people!

    “Thank you Glenn for accepting my case. I had all but given up on finding an attorney that was willing to take this case, and although you may not remember, I enclosed a note to you when I sent my [ins. co.] file asking you to please help me. You did that sir, and I can't thank you enough. My thanks to you Corinne for pursuing my case with vigor. I don't know much about how these legal things are handled, but I could tell by your communications with me, making sure I was always informed, that you were on top of it all. Also, you were ALWAYS available to me to answer questions, and your compassion for me and my situation is so much appreciated. I have had limited exposure to the legal system and attorneys, but I have never been able to just call and talk to them, as I could with you. I always had to speak with someone in the office that couldn't really answer my questions. My sincerest thanks and best wishes for you both You have restored my faith in the goodness of people!”

    Dick H.

  • The light at the end of the tunnel was masked, but we found it!

    “I'm sending my heartfelt wishes to you and your team for a wonderful holiday. We celebrate Christmas this year with a lighter heart than past years - knowing how you made a difference for us and for so many others. The light at the end of the tunnel was masked, but we found it! And so, cheers to you and your incredible team. Have a wonderful and safe new year.”

    J.

  • We will never forget the good you have done and may you continue to earn gold stars.

    “More than your skilled expertise, uncompromising professionalism and breadth of experience, we have been immensely impressed with the sincerity, generosity and integrity with which you conducted our affairs, acted on our behalf and guided us through the sometimes confusing process. Throughout, we developed a great respect for all of you and it is our wish that both collectively and individually, you experience continued professional success and personal gratification in all that you pursue. We will never forget the good you have done and may you continue to earn gold stars.”

    Lalida C.

  • I won the appeal.

    “Hi Glenn- This is a very belated thank you for your generous assistance and advice last summer, when I was appealing UBH's decision for my son. I won the appeal, at least for care at the partial hospitalization level (they wouldn't budge on residential, but the facility was accepting the partial care reimbursement for residential treatment). But the appeal was a great moral victory, and I think it's a great thing to have in the record, just in case he needs to go for treatment again. Thanks again for your generous help, I was very grateful for it. Wishing you a most happy Thanksgiving.”

    Terry S.

  • I've already mentioned your firm to my family and friends and how wonderful you have been treating me.

    “I've already mentioned your firm to my family and friends and how wonderful you have been treating me. Hopefully I will not ever have the need to refer someone to you because that would mean they would be in a similar situation as myself. But, if that were to ever happen, I would absolutely refer them to your company.”

    Linda P.