Practice Areas

Disability Benefits Claims Denial

Has your Disability Insurance Claim been Denied?

Unfortunately, disability insurance claim denials are a commonplace occurrence. In fact, disability insurance claims are denied on a regular basis. Many individuals with disability insurance claim denials simply accept their fate, and give up - even though they have been wrongfully denied. Because of vastly superior knowledge and financial resources insurance companies have, many claimants feel powerless to fight the denial. But you are not powerless. The law provides many protections to disabled claimants, and insurance companies can be made to pay large awards if they wrongfully deny a claim. Our lawyers have special skills and expertise in this complex area of the law. We represent many individuals with disability insurance claim denials - and routinely win substantial settlements and awards for our clients.

Our law office has successfully litigated disability insurance claim denials against large insurance companies and HMOs including:

Unum-Provident
Paul Revere
American General
State Farm
Farmers Insurance
Standard Insurance Company
Liberty Life
All State
Mercury Insurance Company

Employee Disability Claims

Many people who have disability insurance get it through their employer. When dealing with disability claims under a policy or plan provided by your employer, special care is required to avoid prejudicing your case or waiving your rights. It is critical to hire an attorney familiar with the nuances of ERISA and applicable state and federal law. ERISA is an acronym that stands for the "Employee Retirement Income Security Act." ERISA is a federal law that controls disability claims under employer sponsored disability policies and plans. ERISA cases generally are decided on the record that is developed prior to the time a lawsuit is filed. This means that if you wait until after your claim is denied before consulting with an attorney it may be too late to get and present the evidence you need to win your case. Often, we hear from people who have prejudiced their case or waived their rights by waiting too long. Our disability insurance claim attorneys understand what insurance companies look for when they are considering denial of your claims. Our law office has successfully litigated cases dealing with:

Denial of benefits under private (non-ERISA) insurance policies
Denial of benefits under long-term disability policies - ERISA
Denial of benefits under long-term disability policies - non-ERISA

Our law firm represents clients throughout the North Bay Area including San Francisco, Petaluma, Rohnert Park, Napa, Ukiah, Windsor, Healdsburg, San Rafael and Oakland. If you have a disability insurance claim denial, you deserve full and just compensation. Please call or contact our law firm for a free consultation.