5 Signs of Bad Faith Denials in Long-Term Care Insurance
June 23, 2025
Years Combined Experience
Recovered
When you are unable to work due to illness or injury, the last thing you need is an insurance company questioning your disability or denying your claim. We stand beside you through every step of the process, fighting against insurance companies’ unfair tactics while you focus on your health and recovery.
If your employer-provided disability insurance claim has been denied, we understand how overwhelming and frightening this situation can be for you and your family. Our compassionate team will guide you through this complex process, ensuring your voice is heard and your rights are protected while we fight for the benefits you deserve.
People take out a Long Term Care policy to ensure that if they need assistance in performing certain daily life functions in their future, they can get that care in the privacy and comfort on their home. They basically pre-pay for these services by paying paying annual premiums prior to needing the care.
When a life insurance claim is denied or delayed, families often face significant financial and emotional challenges during an already difficult time. Our attorneys are committed to guiding you through the claims process, carefully reviewing policy details, and advocating on your behalf to ensure that you receive the benefits your loved one intended for you.
A denied or disputed Accidental Death and Dismemberment claim can create additional hardship for families coping with loss or serious injury. Our legal team provides experienced and compassionate representation, working diligently to hold insurance companies accountable and to recover the full benefits that you are entitled to receive. We understand the importance of these benefits and are dedicated to supporting you at every stage of your case.
For over two decades, Michael Horrow has dedicated his practice to fighting for individuals whose disability insurance claims have been wrongfully denied, earning a reputation as a fierce advocate against insurance company tactics.
His deep understanding of ERISA and disability insurance law, combined with his compassionate approach to client care, has helped countless individuals secure the benefits they deserve during their most challenging times. Michael is frequently invited to speak at national legal conferences about disability insurance law and has been consistently recognized as a Super Lawyer for his expertise in this field.
When insurance companies deny your disability claim, they are not just denying a benefit – they are threatening your livelihood, your family's security, and your peace of mind. We fight these battles every day, and we understand the profound impact these denials have on your life.
Our firm has built a distinguished career challenging the nation's largest insurance corporations, specifically in disability, ERISA, and long-term care claims.
Insurance companies use complex strategies to deny valid claims – from conducting surveillance to misrepresenting job duties and medical evidence. We have seen every tactic they use to deny benefits, and we know how to counter each one.
Our track record speaks for itself – we have recovered over $250 million for our clients. But more importantly, we have helped countless individuals regain their financial stability and peace of mind during their most challenging times.
Our clients consistently praise not just our legal expertise, but our compassion and dedication. As one client shared: “The attorneys of this firm are not just amazing at what they do; they are kind and compassionate people. Through a difficult and delicate situation they always went above and beyond.”
We understand you are already facing financial stress. That is why we handle all cases on a contingency basis – you pay nothing unless we win your case. We assume all the financial risk, allowing you to focus on your health and recovery.
We know that disability claim denials come with strict deadlines and complex requirements. When you contact us, we respond quickly and begin working immediately to protect your rights and build your case.
Do not give up – but act quickly. You typically have only 180 days to appeal an ERISA claim denial. Contact us immediately for a free case evaluation. We will review your denial letter and help determine the best strategy for your appeal.
The timeline varies based on your specific case. Under ERISA, insurance companies must make a decision within 45 days of receiving your appeal, with the possibility of a 45-day extension. Non-ERISA appeals typically take 30-60 days. We will work to expedite your case while ensuring we build the strongest possible appeal.
We will help you gather all necessary documentation, including:
ERISA governs employee benefit plans and has strict regulations and deadlines. Non-ERISA claims (individual policies) follow state insurance laws. The key difference: ERISA claims must typically exhaust administrative appeals before filing a lawsuit, while non-ERISA claims can often proceed directly to litigation.
We work on a contingency fee basis – you pay nothing unless we win your case. Initial consultations are always free, and we advance all costs associated with your case.
While you can appeal on your own, insurance appeals – especially ERISA claims – are highly technical and complex. The initial appeal often becomes the only evidence allowed in court. Having experienced counsel significantly increases your chances of success.
What types of insurance cases do you handle?
We specialize in:
Generally, if your insurance coverage comes through your employer’s group plan, it is governed by ERISA. Individual policies purchased directly from an insurance company typically are not. During your free consultation, we will help determine which laws apply to your case.
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Serving All of California and Washington
There is no substitute for experience. Whether you have a medical claim, birth injury, brain injury, or wrongful death case, we are uniquely qualified to assist you. Or, if you are dealing with an insurance denial or a bad faith disability claim, we have what it takes to successfully pursue your claim and get what you and your family deserve.
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