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California Mental Health Claim Attorneys

Residential Treatment Denial Cases Handled Professionally

Was your mental health insurance claim denied by an insurance company that is not taking your case seriously? Do you need residential treatment to help you overcome mental health difficulties but now cannot afford any treatments on your own? Please do not give up on your case or yourself. Come to Kantor & Kantor, LLP as soon as you can to speak with our mental health claim lawyers.

We are proud to serve people from all walks of life and all corners of California. We know mental health difficulties can make each day feel like a challenge, so the last thing you need is even more hardships caused by a stubborn insurer. Rely on our team to represent you if your mental health claim was denied, so you can still pursue the benefits you need without putting yourself under any additional stress.

Let us act on your behalf. Call (877) 783-8686 today.

Mental Health Difficulties Covered by Disability Insurance

What many insurance companies do not tell their policyholders is that disability insurance policies often include mental health difficulties, not just physical injuries and illnesses. In fact, if your long term disability coverage is provided through your employer, then it more than likely is governed by ERISA law. This federal statute will normally include mental health difficulties as a disability that validates a disability filing.

Some of the more common mental health difficulties covered in ERISA claims are:

  • Depression
  • Anxiety
  • Post-traumatic stress disorder (PTSD)
  • Bipolar disorder

Please be aware that this list is not fully comprehensive. There are many other mental health difficulties that can make continuing work unsafe or impossible and, therefore, can validate your need for LTD benefits. To learn if your mental illness is covered, you can review your disability insurance policy or call (877) 783-8686 to discuss your claim with our attorneys. We focus on cases that have been denied and need to be appealed or challenged.

Why Would a Mental Health Claim Be Denied?

Your mental health is just as important as your physical health, and any mental injuries need care and treatment like a physical injury. You cannot be as happy as you could be if your mental health is suffering. While you might accept the importance of your mental health, your disability insurance provider might not. Many insurance companies are notorious for ignoring or downplaying the mental health concerns of their policyholders.

A few reasons why LTD insurance companies deny mental health claims are:

  • Misunderstanding of the symptoms: Insurance adjusters and insurance company representatives might only be trained to evaluate disabilities caused by physical injuries and illnesses. “Invisible” injuries like mental health complications could be entirely foreign to them, leading them to misunderstand even obvious symptoms of anxiety, depression, and so forth. As a result, your mental health claim could be denied outright despite it being valid under the terms of your policy.
  • No diagnosis: It is important that you see a mental health professional for diagnoses, prognoses, and prescribed treatments. If your mental health difficulties have not been evaluated and recognized by a mental health professional like a psychiatrist, then your insurance company will likely deny your claim and have grounds to do so, making an appeal more difficult.
  • Expensive residential treatments: There are no insurance companies that like to payout policy coverage amounts, especially when those amounts are significant. To treat mental illnesses, most medical professionals agree that residential treatments like inpatient programs are the most effective and safest options. Residential treatment programs are expensive, though, sometimes costing as much as $30,000 for a 30-day program. You should not be surprised if your insurer denies your residential treatment claim without a clear reason, other than they do not want to have to spend that much money on your health.

Here to Relieve Your Stress
Call (877) 783-8686


Kantor & Kantor, LLP has mental health claim attorneys ready to assist with all parts of your claim appeal after a denial. From creating an appeal, filing it, and preparing for litigation, we do it all, so you don’t have to put those responsibilities on yourself. Even if you have already appealed before and lost in a trial, we can still help you explore your options for another appeal. Plus, we do help with initial claim filings as well if you have not yet filed. In other words, we are the only law firm you need to know in California to pursue your deserved long term disability benefits.

Schedule a free consultation with a member of our team to get started.

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'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.

  • You are the light in the darkness for all of us.

    “Lisa- You are the light in the darkness for all of us in the eating disorder community. I believe that you were born to take on these challenges.”

    Pam S.

  • Thank you for all of your hard work, support and belief in our case.

    “Hi Elizabeth - You have been such an important part of my and Jennifer's past year, and I want to send you a note to wish you a wonderful holiday. Thank you for all of your hard work, support and belief in our case. Thank you seems like two small words and not enough, but they are heartfelt and mean so much.”

    J.H.

  • Thank God for Kantor & Kantor.

    “Thank God for Kantor & Kantor and Denise Anderson. I appreciate everything you do!”

    Stephen Schaffer

  • Finding, and working with your team has been such a blessing to me.

    “Thanks again for all your help. Finding, and working with your team has been such a blessing to me. Deepest regards.”

    M.