Facing a long-term disability can turn your world upside down. Suddenly, you are not just battling an illness or injury but also navigating a maze of paperwork, claims, and legalities that seem designed to confuse rather than clarify.
At Kantor & Kantor, we understand that behind every disability claim is a person whose life has been disrupted and a family whose future may depend on the outcome. That is why we are not just your attorneys; we are people helping people, and we are ready to fight for you.
Our LTD lawyers in San Francisco have walked this path many times before. We are armed with the expertise and empathy needed to shoulder the burden so that you can focus on your health and recovery.
We believe that every individual deserves access to compassionate, knowledgeable legal representation, especially during such trying times. At Kantor & Kantor, our approach is rooted in understanding and addressing your unique needs and circumstances. We are here to listen to your story, help carry your burden, and guide you step by step through the legal process to secure the benefits you need to sustain your livelihood and health.
Contact our LTD lawyers in San Francisco at 415-943-2117 for a free consultation.
What Is Long-Term Disability Insurance?
Long-term disability (LTD) insurance is a type of coverage designed to provide financial protection to people who become unable to work for an extended period of time due to an injury or illness. Unlike short-term disability insurance, which typically covers disabilities lasting up to six months, LTD insurance is intended to replace a portion of your income for as long as you remain disabled – or, usually by age 65.
These benefits can cover a significant portion of your income, ensuring you and your family are supported during challenging times. However, obtaining these benefits is rarely as easy as it should be.
Common Tactics Used by Insurance Companies to Deny LTD Claims
Here are some common tactics used by insurance companies:
1. Selective Review of Medical Evidence
Insurance companies may selectively review medical records to downplay the severity of your condition or overlook crucial evidence supporting your disability. They may focus on minor details while disregarding the overall impact of your impairment.
2. Insufficient Medical Evidence
One of the most common reasons for denial is inadequate medical documentation to substantiate the disability. Insurance companies require comprehensive, ongoing medical records demonstrating your condition’s severity and duration. They may argue that the evidence provided does not sufficiently prove that you cannot perform your job duties.
3. Surveillance
Insurers may conduct surveillance on claimants in an attempt to discredit their disability. They may hire private investigators to monitor your activities, looking for any evidence that undermines your credibility as a whole. Even if they do not observe you contradicting your stated abilities, they may try to portray whatever they do observe as somehow in conflict with your credibility as a whole.
4. Independent Medical Examinations (IMEs)
Insurance companies often require claimants to undergo IMEs by their chosen physicians. These exams may be biased towards the insurer’s interests, resulting in assessments that underestimate the severity of your condition or deem you fit for work prematurely.
5. Allegations of Malingering or Exaggeration
Insurance companies may accuse claimants of malingering or exaggerating their symptoms to prolong disability benefits unlawfully. They may use inconsistencies in medical records or subjective assessments to cast doubt on the legitimacy of your claim.
6. Policy Interpretation & Limiting Benefits
Insurers may interpret policy language to favor the denial of benefits. They may exploit ambiguous terms or exclusions in the policy to justify their decision, even if it contradicts the original intent of the coverage.
Most policies have limitations for mental health disabilities, capping the amount payable to two years of benefits. Insurers may try to classify your claim as primarily based on mental health issues despite your disability being primarily physical.
Additionally, insurance policies often have exclusions for pre-existing conditions. If the insurance company determines that your disability is related to a condition that existed before your coverage began, they may deny your claim.
7. Lack of Objective Evidence
Insurance companies prefer objective evidence, such as test results and imaging studies, to support a disability claim. They may deny claims that rely heavily on subjective reports of pain or other symptoms.
What Should I Do After My LTD Claim Has Been Denied?
Receiving a denial letter for your long-term disability (LTD) claim can feel like a major setback, but it is important to remember that it is not the end of the road. Here are some steps you can take to best protect your rights:
Take a moment to gather your thoughts. It is normal to feel overwhelmed but remember, denials can often be overturned with the right approach and evidence.
First, review the denial letter carefully. It is crucial to understand the reasons why your claim was denied. This letter will also inform you of the deadline for filing an appeal, which is typically very strict. Missing this deadline can forfeit your right to challenge the decision.
Gathering additional evidence is often the key to a successful appeal. This may include more detailed medical records, statements from your treating physicians, and even new medical evaluations. Our team will help coordinate these efforts, ensuring that your appeal is backed by robust documentation that addresses the specific reasons cited in your denial.
Once you have digested the information, reach out to a knowledgeable long-term disability attorney. At Kantor & Kantor, we offer a compassionate ear and a detailed analysis of your denial. We can help interpret the often-complex language used in denial letters and identify the best strategy for your appeal.
Finally, prepare for the appeal process with your attorney. This is your chance to present a comprehensive case to the insurance company. Our San Francisco LTD attorneys are ready to represent you with a well-prepared appeal that maximizes your chances of overturning the denial.
Contact us today at 415-943-2117.
Why Choose Kantor & Kantor?
Choosing the right legal representation can make a significant difference in the outcome of your LTD claim. Here is why Kantor & Kantor stands out as the firm to trust with your case:
We Truly Care About You
We understand that your life has been turned upside down, and we are here to offer both legal expertise and genuine compassion. We listen to your story because we know it is unique—and will help you through every step of this journey.
Proven Track Record
We have successfully handled thousands of LTD cases, securing benefits for clients who felt hopeless after an initial denial. More importantly, our record of defeating insurance companies in trial and at court is unparalleled. Our experience means we know the strategies that work and how to anticipate the tactics insurance companies use to avoid paying out claims.
A Team You Can Trust
Our attorneys are not just skilled professionals—they are advocates who believe in fighting for what is right. When you choose us, you are getting a team that is fully committed to your case, working tirelessly to ensure you get the benefits you deserve.
Personalized Attention
We understand that no two disability claims are the same. That is why we tailor our approach to fit the specifics of your situation. From gathering medical evidence to navigating the appeals process, we focus on what is best for you and your unique circumstances.
How Kantor & Kantor Can Help
We understand how deeply your disability affects every aspect of your life, and we are here to lift some of that burden off your shoulders. When you work with us, you are not just another case number—you are a person with a story, and we are here to make sure that story is heard.
The first thing we do is listen. We want to understand your story, your struggles, and what this disability has meant for you. This is not just about gathering facts; it is about getting to know you as a person so we can represent you in the best possible way. We take the time to hear your concerns, answer your questions, and make sure you feel supported from the very beginning.
Filing a long-term disability claim can feel like a battle, especially when insurance companies try to wear you down with paperwork, legal jargon, and endless delays. We step in to handle all the tough stuff—communicating with the insurance company, gathering the right medical evidence, and making sure every detail of your claim is solid. We fight the battles, so you do not have to.
Our support does not stop once your claim is filed. If your claim is denied—which, unfortunately, happens all too often—we do not give up. We stand by you, ready to appeal the decision and, if necessary, take your case to court.
Contact Our San Francisco Long-Term Disability Attorneys
Facing a long-term disability is a life challenge that impacts every facet of your existence. It can feel overwhelming to manage your health concerns while also fighting for the benefits you are rightfully owed.
We know that the process can seem filled with insurmountable barriers, especially when dealing with insurance companies that appear to have endless resources. Our team will advocate on your behalf. We are armed with the expertise and empathy needed to navigate these trying times. We are not just your attorneys; we are people helping people and are committed to securing the support you need to lead a dignified life despite your challenges.
At Kantor & Kantor, we measure our success not just by the claims we win but by the peace of mind we provide to our clients. When you are ready to take the next step towards securing your benefits, call us because we look forward to helping you.
Contact our LTD lawyers in San Francisco at 415-943-2117 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]
