If your insurance claim has been denied or underpaid, you do not have to accept it as the final word. You have rights, and we are here to help you enforce them. We have spent years standing up to powerful insurance companies, and we are ready to do the same for you.
Insurance companies count on people walking away when a claim is denied. They assume you do not have the time, resources, or legal knowledge to fight back. Our Washington insurance attorneys know their tactics, understand the law, and have the experience to challenge wrongful denials.
At Kantor & Kantor, we understand how stressful it is to have a legitimate insurance claim denied. We have seen firsthand how insurance companies put their profits over people. They use complicated policy language, vague explanations, and endless delays to make you give up. We are here to make sure that does not happen.
We take every case personally, because we know what is at stake. When an insurance company refuses to pay, it is not just about money. It is about access to medical care, the ability to support your family, and the peace of mind you thought you had when you signed up for coverage.
If your insurance claim has been unfairly denied, do not give up. You have rights, and we are here to help you fight for them. Let us take on the legal burden so you can focus on your health, your family, and your future.
Contact our insurance lawyers in Washington at 818-886-2525 for a free consultation. We are people helping people, and we are ready to protect you and fight for your rights.
Types of Insurance Claims We Handle
We help clients across Washington with a wide range of insurance disputes, including:
Long-Term Disability
Chronic illnesses or severe injuries can prevent you from working for an extended period, or even permanently. Long-term disability insurance is supposed to provide you with financial stability in such times. We are here to help you fight for the benefits you are entitled to, so you can focus on your health.
Short-Term Disability
Short-term disability claims cover a temporary period where you are unable to work due to illness or injury. While these claims are for shorter durations, getting the runaround from your insurer when you need support the most can be frustrating. We help ensure that your short-term needs are met, allowing you the peace of mind to recover without financial stress.
Life Insurance
Dealing with the loss of a loved one is difficult, and a denied life insurance claim makes it worse. Whether it is an issue with the policyholder’s medical history or a dispute over the policy terms, we understand the nuances of these claims and fight to ensure that families receive the support they were promised.
Long-Term Care
Long-term care insurance is designed to cover the costs of nursing homes, assisted living, or home health care that many older adults eventually require. However, insurers may refuse to pay claims based on narrow interpretations of what qualifies as “necessary” care or discrepancies in the care records.
Governing Law of the Claims We Handle
Insurance claims are almost always governed by either federal or state law. The applicable legal framework often determines how your case is handled and what rights you have. We represent clients under both:
ERISA Claims
The Employee Retirement Income Security Act (ERISA) governs most policies provided by employers, including disability, life, and other types of insurance. Navigating ERISA claims can be complex due to federal regulations. Our attorneys have the specialized knowledge to handle these intricate cases and work to secure your entitled benefits.
Insurance Bad Faith
When an insurance company acts in bad faith, it means they are not just denying your claim—they are doing it unreasonably and unfairly. This could involve denying a valid claim, failing to communicate properly, or delaying payments without cause.
Why Are Insurance Claims Denied?
Dealing with insurance claims can feel like a tug of war. Often, you do everything right, yet your claim still gets denied. Here is why this might happen:
- Missing Information: One of the most common reasons for denial is missing information. Insurance companies require specific documents and details to process a claim. If you leave something out, even by mistake, your claim might be denied.
- Pre-existing Conditions: Insurance companies often deny claims based on pre-existing conditions. They might argue that your illness or injury existed before your coverage started. This is a frequent issue with health and disability insurance claims.
- Policy Exclusions: Every insurance policy has exclusions – specific conditions or situations that are not covered. For example, some health insurance policies do not cover certain treatments. If your claim falls into one of these exclusions, it can be denied.
- Administrative Errors: Sometimes, claims get denied due to simple administrative errors. A typo, incorrect date, or misfiled document can lead to a denial.
- Failure to Meet Deadlines: Insurance companies have strict deadlines for filing claims and appeals. If you miss a deadline, even by a day, your claim can be denied.
- Fraud or Misrepresentation: If the insurance company believes you have provided false information or misrepresented facts, they can deny your claim. This is why it is essential to be honest and accurate in all your communications.
What to Do if an Insurance Company Denies Your Claim
Insurance companies are required to explain why they denied your claim. Read the letter closely to understand their reasoning. Look for specific reasons, such as missing paperwork, exclusions in your policy, or a claim that was filed incorrectly. Sometimes, a denial is just a misunderstanding that can be fixed with additional information.
Find your policy document and go over the section that applies to your claim. Does the denial match what is written in your policy? Sometimes, insurance companies make mistakes or misinterpret their own rules. If the policy seems unclear, that is a red flag that you may have grounds for an appeal.
If you believe the denial was wrong, start collecting any documents that support your claim. This may include medical records, doctor’s letters, receipts, emails, or anything else that proves your claim should be covered. If your insurance company says a treatment is not “medically necessary,” ask your doctor to provide a detailed explanation of why it is.
At this stage, it is vital that you contact an insurance attorney. Insurance companies often take claims more seriously when an experienced attorney is on your side. A lawyer can review your case, negotiate with the insurer, and even take legal action if necessary.
Insurance policies allow you to appeal a denial. The denial letter should explain how to do this and the deadline for filing. Write a clear, detailed appeal letter explaining why your claim should be approved, and include all supporting documents. Be sure to follow the instructions exactly—missing a deadline or required form could hurt your chances.
Why Choose Kantor & Kantor?
Our team focuses on insurance law, which means we have spent years honing our skills and knowledge in this specific area. We understand the intricate details of insurance policies and the tactics insurers use to deny claims.
We know that dealing with insurance disputes can be stressful. That is why we emphasize clear communication and compassionate service. When you work with us, you are not just another case number; you are a valued individual whose story matters and whose needs are prioritized.
Our results speak for themselves. We have a record of successfully challenging insurance companies and securing the benefits our clients are entitled to. This success comes from our persistent dedication and aggressive advocacy—qualities that we bring to every case we handle.
At Kantor & Kantor, you will find a team that genuinely cares about your well-being. We are motivated by a desire to help people who have been unfairly denied by insurance companies. Our team is accessible, compassionate, and ready to support you throughout the legal process.
How We Can Help You
We know that dealing with insurance issues can be one of the most stressful and confusing experiences. That is why we are here to take the burden off your shoulders. Our approach is all about making the process as smooth and supportive as possible for you. Here is how we can help:
1. 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.
2. 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.
3. We Will Gather Strong Evidence
To build a compelling case, we need strong evidence. We will help you gather all the necessary documentation, such as medical records, expert opinions, and any other relevant information. Our team knows what evidence is most persuasive and how to present it in the best possible light.
4. We Will Build a Strong Case
With the evidence in hand, we will craft a compelling case to present to the insurance company. Our team knows the tactics insurers use to delay or deny claims, and we are prepared to counter them with facts and a clear narrative. We will highlight the critical points and make a strong argument for why your claim should be approved.
5. 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.
6. 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 Washington Insurance Attorneys
Insurance companies bank on people giving up. They assume you will not have the energy to fight back. That is where we come in. We are here to listen, to guide you, and to fight for you every step of the way. Whether your claim has been denied, delayed, or unfairly reduced, we will do everything in our power to turn things around.
If you are struggling with an insurance dispute, let us talk. A simple phone call could be the first step toward getting the benefits and peace of mind you deserve.
Contact our Washington insurance attorneys for a free consultation at 818-886-2525.
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]
