You have been paying your insurance premiums diligently, trusting that if something were to go wrong your insurance company would have your back. Then, the unthinkable happens. You file a claim, expecting support during this tough time, only to be met with delays, denials, and endless red tape. Suddenly, the safety net you counted on feels more like a tightrope walk without a safety harness.
At Kantor & Kantor, we have seen the frustration, confusion, and stress that comes with battling an insurance company. We know the tactics insurance companies use to avoid paying out benefits, and we are not afraid to confront them. Our mission is simple: to ensure you receive the benefits you have rightfully earned, without unnecessary delays or denials.
If you are ready to take the first step, we are here to help. Contact us at 818-886-2525 for a free consultation to speak with one of our Tacoma insurance lawyers. Together, we can fight for the benefits you deserve and make sure your voice is heard.
We are people helping people, and we are here to listen to you and help you get your deserved compensation.
What Types of Insurance Claims Do We Handle?
Insurance policies are complex, and insurers often exploit fine print to avoid paying valid claims. We cut through the red tape across many areas:
Life Insurance Claims
Losing a loved one is already difficult, and a denied life insurance claim can make things even harder. Whether the insurer claims there was a misrepresentation or delays payment unfairly, we fight to make sure you get the benefits you are entitled to.
ERISA Claims
Insurance and benefits provided through an employer often fall under the federal ERISA law. These claims can be complicated, and many policyholders feel lost navigating them. We have the experience to handle ERISA disputes effectively.
Long-Term Care Insurance Claims
Long-term care insurance is meant to cover the costs of extended care services, such as assisted living, nursing homes, or in-home care. If your claim has been denied or delayed, it can leave you or your loved ones in a vulnerable position when care is urgently needed. We know how to push back on these unfair tactics to get you the benefits you deserve.
Long-Term Disability Insurance Claims
A long-term disability can disrupt your ability to earn a living. Many policyholders find their claims denied, delayed, or cut off before they are ready to return to work. We will work to prove your disability through strong medical evidence and expert testimony, ensuring your financial stability is not jeopardized.
Short-Term Disability Insurance Claims
Short-term disability insurance is supposed to provide financial support during temporary setbacks. However, some insurance companies deny valid claims by arguing that your condition does not meet their requirements or claiming insufficient documentation. Our team can intervene quickly to resolve your claim and get you the support you need to recover and get back on your feet.
Common Insurance Problems You Might Face
Insurance companies deploy a range of tactics to minimize payouts. One of the most common problems is having your claim denied outright, often without a clear or valid explanation.
You have done everything right and yet your insurer rejects your claim. Sometimes, they argue the treatment was not medically necessary, the damage is not covered, or they find some technicality to justify their refusal.
Even when your claim is not denied or delayed, lowball settlements can still be a problem. Insurance companies sometimes offer far less than what your policy promises, banking on the fact that you are too stressed or overwhelmed to fight back. It can feel like they are more focused on protecting their bottom line than honoring their commitments to you.
In some cases, insurers engage in bad faith practices, such as misrepresenting your policy terms, conducting improper investigations, or outright refusing to pay a valid claim. These situations can leave you feeling powerless, especially when you are up against a large corporation with seemingly endless resources.
Common Reasons for Denials
Here are some common reasons why insurance companies might deny a claim:
- Missing Information: One of the most common reasons for denial is missing information. This means that required documents, such as medical records or authorization forms, were not submitted. Even an unintentional omission can lead to a denial.
- Lack of “Enough” Information: Even if you provide everything requested, the insurance company might still claim there isn’t enough information to approve your claim. This is different from missing information—here, the insurer is simply saying the provided evidence isn’t sufficient, even if it should be.
- Contrary Medical Opinions: Insurance companies frequently deny claims by relying on their own doctors, who may disagree with your doctors’ findings—regardless of the medical evidence. This is problematic because insurance company doctors often work directly for the insurer or maintain ongoing contractual relationships with them, creating conflicts of interest and bias.
- Pre-existing Conditions: Insurers may deny claims by asserting that your illness or injury existed before your coverage started. This is especially common with health and disability insurance claims.
- Policy Exclusions: Every insurance policy has exclusions—specific conditions or treatments that are not covered. If the insurer determines that your claim falls under an exclusion, they will deny coverage.
- Administrative Errors: Simple mistakes, such as a typo, an incorrect date, or a misfiled document, can result in a denial. These errors are often avoidable but can cause unnecessary delays or rejections.
- Failure to Meet Deadlines: Insurance companies have strict deadlines for filing claims and appeals. Missing a deadline, even by a single day, can result in an automatic denial.
- Fraud or Misrepresentation: If the insurer believes you have provided false information or misrepresented facts, they can deny your claim. It is crucial to ensure all communications and documents are accurate and truthful.
Why Choose Kantor & Kantor to Support You?
We know that dealing with an insurance claim can feel like a fight against an uphill battle. That is why we are here to level the playing field. For decades, we have been helping policyholders navigate complex insurance disputes.
Our attorneys have decades of collective experience in handling complex insurance claims. This experience not only allows us to anticipate the tactics insurance companies might use but also helps us to build strong cases for our clients that directly address these challenges.
From the moment you reach out to us, we take the time to listen to your story, understand your circumstances, and tailor our approach to meet your needs. Our goal is to make you feel supported and informed throughout the legal process.
Our track record speaks volumes. Over the years, we have successfully helped thousands of clients navigate the complex process of insurance claims, securing favorable outcomes even against formidable odds.
Our firm is known for going the extra mile to ensure that justice is served, whether that means reaching a fair settlement out of court or pursuing litigation to contest unfair denials. With Kantor & Kantor on your side, you gain a partner who is as invested in your case.
How Kantor & Kantor Can Help with Your Insurance Claims
When you work with us, we handle every aspect of your insurance dispute. Here is how we can help with your insurance claims.
We Will Hear Your Story
The first step in handling your insurance case is listening to your story. We want to understand what you are going through, how the insurance company’s actions have affected you, and what you hope to achieve. This is not just about gathering facts—it is about connecting with you on a personal level and showing you that we genuinely care about your well-being.
We Will Review Your Policy Thoroughly
Insurance policies can be incredibly complex and filled with confusing legal jargon. We will carefully review your policy to understand what coverage you have and what benefits you are entitled to. Our goal is to uncover any potential avenues for your claim and ensure that we have a solid understanding of your rights under the policy.
We Will Gather and Create Strong Evidence
To build a compelling case, we need strong evidence—not just by collecting existing records but by actively creating new, crucial evidence that can strengthen your claim. We will help you obtain all necessary documentation, such as medical records and expert opinions, while also going beyond what you already have. This may include securing independent medical evaluations, arranging specialized testing, or consulting expert witnesses who can provide new insights that support your claim. Our team knows what evidence is most persuasive and how to present it in the best possible light.
We Will Build a Strong Case
With both gathered and newly created evidence, we will craft a compelling case to present to the insurance company. Our team understands the tactics insurers use to delay or deny claims, and we are prepared to counter them with facts and a clear narrative. By strategically incorporating expert reports and specialized medical opinions, we will highlight the critical points that demonstrate why your claim should be approved.
We Will Negotiate on Your Behalf
Our experienced lawyers will handle all communications with the insurance company, advocating on your behalf. We aim to resolve your case through negotiation, securing the benefits you deserve without the need for prolonged disputes.
We Will Take Legal Action if Necessary
If the insurance company continues to deny your rightful claim, we are prepared to take legal action. Our team has extensive experience in insurance litigation and will represent you in court if needed. We are committed to fighting for your rights and ensuring that justice is served.
Contact Our Trusted Tacoma Insurance Lawyers for Guidance
Our Tacoma insurance lawyers know the ins and outs of insurance policies, claim processes, and the tactics insurers use to deny valid claims. We bring that knowledge and experience to the table to level the playing field for you.
We also pride ourselves on the personal relationships we build with our clients. When you work with us, you are not just another case number. We take the time to understand your situation, listen to your concerns, and build a strategy that fits your unique needs.
Contact us at 818-886-2525 to schedule a free consultation and take the first step toward getting the benefits you are entitled to. We are people helping people, and we look forward to helping you.
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]
