Over the past two years, the COVID-19 pandemic has altered nearly everyone’s life. In addition to the complete disruption of day-to-day normalcy, those who contracted COVID not only had to deal with the fear of death, but also the possibility of the
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In the aftermath of a tragic mass shooting, an ultrasound technologist was left with severe physical and psychological injuries preventing her from returning to work. Despite her treating physicians and the Social Security Administration agreeing she could not work, her insurance company
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The COVID-19 pandemic upended every aspect of society. The disability insurance industry is no different. One of the biggest changes confronting the industry is the disability claims arising as a result of long-haul COVID symptoms. While the majority of people who contract
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We are thrilled to announce that once again, we have secured a settlement over and above the full value of the contract for our Monterey County-based client whose claim for long-term disability insurance benefits was improperly and unfairly denied. Moreover, Donahue &
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An Oakland-based Family Practice doctor was denied the long-term disability benefits that were promised through an ERISA plan issued by her employer and insured by Unum Life Insurance Company of America. However, she acted quickly and brought in the experienced team of
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If you need to file a long-term disability claim, you need to understand the implications of your claim in advance of contacting your disability insurance company and filing your claim. When you work with Donahue & Horrow LLP, an experienced team of
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Long-term disability insurance claims are complicated. If you are trying to navigate your insurance claim or your claim has already been denied, we are here to help. Below, we have answered some of the questions that you may be seeking answers to.
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For policyholders of Reliance Standard Life Insurance Company, also known as Reliance Standard, insurance claim denials are far too common. By its very nature, the insurance industry is a complicated market that causes anxiety and hardships for many hardworking people when their
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Do you know what to do if your private disability claim has been denied? How can you fight a California private disability insurance claim denial? Are there differences in California that you should be aware of? Facing a disability can be an
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If you are a professional whose job requires daily repetitive fine motor skills to perform your duties it’s important that: you understand carpal tunnel syndrome, the risk factors that can cause it, and whether your private disability insurance plan will cover you
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Some common California disability insurance carriers that we deal with for disability insurance denials include (but are not limited to): Unum Cigna Liberty Mutual MetLife MassMutual The Standard Insurance Company Lincoln National Hartford Provident Paul Revere Sun Life Northwestern Mutual Guardian Life
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Disabilities that may be covered by your disability insurance policy include (but are not limited to): Asthma Chronic Fatigue Syndrome Disability Claims Due to Necessary Medications Back and Neck Injuries Blindness Cancer Victims Carpal Tunnel Syndrome Deafness Depression Diabetes Epilepsy Fibromyalgia Heart
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The Hartford has requested you undergo an Independent Medical Exam (IME) and threatened you by saying that if you refuse, your disability benefits will be denied or terminated. Should you contact an attorney at this point? Yes. Here’s why. Complaints Mount Against the
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Technological Advancements Contribute to the Rise in Carpal Tunnel Syndrome Disability Claims Dr. Jeffrey E. Budoff, a respected board certified orthopedic surgeon in Houston, TX, who specializes in hand, wrist, elbow, and shoulder treatments states: “Carpal Tunnel Syndrome is mainly a work-related,
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El Segundo Lawyers Fighting to Enforce Clients’ Rights After Private Disability Insurance Claim Denials Michael B. Horrow represented an Optical Designer who became totally disabled due to degenerative disease in his back and hips. He had purchased private disability insurance for financial
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It is possible that your disability claim was denied due to the insurance company acting to simply protect its bottom line. In these situations, an unreasonable denial can be considered insurance bad faith. There are many valid reasons for an insurance company
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First, Fibromyalgia and Chronic Fatigue Syndrome are Genuine Medical Conditions — Not Imaginary Fibromyalgia and chronic fatigue syndrome are two frequently misunderstood medical conditions. According to the National Institutes of Health many people often think these serious conditions are “fad-like” and symptoms
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Have you been diagnosed with fibromyalgia? Are you looking for help making a disability insurance claim? Perhaps you have already made a claim and your insurance company has denied it, despite the fact that it is a legitimate claim and you have
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Experienced California Truck Drivers Disability Claim Denials and Disputes Attorneys If you are a truck driver working as an independent contractor, you do not qualify for workers’ compensation under California laws. For that reason, you have probably purchased a type of disability
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Los Angeles Attorneys for Disability Insurance Benefits Claim Disputes If you are suffering from a disability that prevents you from working, you have already seen how fast bills can pile up when you do not have a regular paycheck coming in. The
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Don’t wonder why your disability insurance claim was denied, call our law firm instead. Our attorneys can assist you in making a disability claim or appealing a denied benefits claim. We offer a free consultation and you do not need to come
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Los Angeles Private Insurance Claim Denial Attorneys While many people purchase disability insurance through their employer, others purchase their policies directly through an insurance company. These private disability insurance policies are popular for professionals, such as doctors and medical professionals, who are
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Los Angeles Disability Insurance Claim Dispute Attorneys Are you aware that you are entitled to a prompt response to your disability insurance claim? Have you already been waiting months? In the meantime, your disability has prevented you from working and earning a
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Think You Have To Just Accept Your Disability Insurance Company’s Benefits Denial As The Last Word? Think again. Most disability insurance carriers routinely deny initial claims for disability benefits. They may delay processing your claim or send you to one of their
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Comprehensive Guidance and Legal Representation in Disability Claims Unfortunately, we have found that our clients have encountered numerous hurdles when they attempt to make an insurer fulfil their promise to pay after an insurance claim is filed. You may have questions about
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Don’t accept a denied disability claim as a final decision. Medical professionals appreciate the value of a comprehensive disability insurance policy. However, whether your policy is long-term, group or individual disability insurance policy, it might be necessary to work with an experienced
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California Disability Benefits Claim Disputes, Insurance Bad Faith Lawyer When you purchase disability insurance, you are purchasing a promise to pay in the event you become disabled or unable to do your own occupation or any occupation. These special insurance policies help
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Palmdale Denied Disability Claims and Appeals Lawyer In most cases, initial disability claims are denied. More often than not, disabled individuals might struggle through the appeals process before they receive the benefits they may actually be entitled to receive. Fortunately, our law
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Modesto Disability Insurance Claims Lawyers Insurance companies are businesses — they are not your legal advocates, and in order to make profits and stay in business must make decisions that favor the insurer. Unfortunately, insurance companies seem willing to bend their own
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Being Disabled Does Not Mean You Will Automatically Get Your Disability Benefits Without A Fight You might think that simply being disabled entitles you to disability benefits, but most initial applications for disability insurance claims are denied. Even if your own doctor
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Los Angeles Disability Denial Claims Attorneys “Diagnosis does not equal disability.” That’s something that insurance defense lawyers often say as they attempt to avoid paying a disability claim. What they mean is, just because you are diagnosed with a medical condition does not
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Legitimate Denial Or Wrongfully Denied Insurance Claim? It Makes A Difference. There are many legitimate reasons for an insurance company to deny a claim for benefits. Often, the denial is based on an honest mistake or misinterpretation of data. If, through our
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Wrongfully Denied Rheumatoid Arthritis Disability Claims Attorney, Los Angeles County At Donahue & Horrow, we understand that our clients, whether professionals, blue-collar workers or any other workers, depend on disability insurance coverage to pay their bills. If your rheumatoid arthritis disability insurance
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Don’t wonder why your disability insurance claim was denied, call our law firm instead. Our attorneys can assist you in making a disability claim or appealing a denied benefits claim. Free consultation, you do not need to come to our law offices
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Did your desk job lead to the development of a disability that prevents you from working? Computer and IT professionals are forced to sit for great lengths of time. In a profession that essentially requires an employee to sit and face a
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Has Your Disability Claim Been Wrongfully Denied? We Can Help. Stockton Disability Insurance Claims Attorney If you have been the victim of a denied disability insurance claim on the basis that you do not meet your insurance company’s definition of disabled, our
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Southern California Leaders in Law After an injury left a California periodontal surgeon unable to use his dominant hand, he was shocked when his insurance company denied his disability insurance claim. “Even if you make timely payments for years, your insurance company
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If your disability insurance claim was unfairly denied, it is time to talk with an attorney. Financial advisers absorb a great deal of stress and worry from their clients. The very nature of the job and its responsibilities lead to extreme emotional
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Carpal tunnel syndrome (CTS) is a disorder that causes pain and weakness in the hand and wrist. If CTS prohibits you from doing your job, and you have own-occupation disability insurance, you may be entitled to receive disability benefits. Los Angeles Carpal
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A Few Things Insurance Companies Are Not Allowed To Do Delaying the investigation or payment of claims by requiring an insured, claimant, or the physician of either, to submit a preliminary claim report, and then requiring the subsequent submission of formal proof
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Insurance Industry Secrets: Most Disability Claims Are Initially Denied If you have disability insurance coverage and become disabled and are no longer able to work, you might think getting your benefits is as simple as having a doctor verify your disability, filing
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Los Angeles Denied Disability Insurance Claims Attorney If you have disability insurance, and suffer an unexpected accident or illness and could not return to work you might expect all you have to do is have a doctor verify your disability, file a
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Pasadena Disability Insurance Claims Disputes And Denied Disability Claims Appeals Lawyer Insurance companies are businesses and they need to make a profit. Perhaps this is one of the reasons that most disability claims are initially denied. Claimants may assume a denial is
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Our Law Firm Handles ERISA and Private Disability Insurance Appeals Whether you have an employer-provided disability insurance policy that is governed by Employee Retirement Income Security Act (ERISA) law or you have a private disability insurance policy, it is very likely that
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Los Angeles Insurance Bad faith Lawyer For Denied Disability Claims Appeals The summary plan description (SPD) is a document that provides a detailed overview of your disability insurance plan – how it works, what benefits it provides, and how to file a
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Your Insurance Company Is Not Your Legal Advocate, But We Are Insurance companies are businesses — they are not your legal advocates, and in order to make profits and stay in business must make decisions that favor the insurer. Unfortunately, insurance companies
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If your insurance company has wrongfully denied your disability claim, you may be able to sue them for damages. Hayward Disability Claims Lawyers If you or a loved one has been wrongfully denied disability insurance benefits, it might be possible to challenge
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Disability Claim Denial and Insurance Appeals, Torrance, Los Angeles County In most cases, initial disability claims are denied. More often than not, disabled individuals might struggle through the appeals process before they receive the benefits they may actually be entitled to receive.
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Riverside County Denied Disability Claims and Appeals In most cases, initial disability claims are denied. More often than not, disabled individuals might struggle through the appeals process before they receive the benefits they may actually be entitled to receive. Fortunately, our law
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Being Disabled Does Not Mean You Will Automatically Get Your Disability Benefits Without A Fight San Bernardino Disability Insurance Claims Lawyers You might think that simply being disabled entitles you to disability benefits, but most initial applications for disability insurance claims are
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Anaheim Denied Disability Claims Appeals Attorney If you filed a disability insurance claim, you may have already discovered that most initial claims for disability benefits are automatically denied by the insurer. Unfortunately, all too often disabled individuals must struggle through the appeals
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Bakersfield Disability Insurance Claims Attorneys When you purchase disability insurance, you are purchasing a promise the insurer will pay benefits in the event you become disabled or unable to do your own occupation, or any occupation. These special insurance policies help pay
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Disability Benefits Claims Are Often Initially Denied Disability Claims Attorney, Sacramento It is increasingly commonplace for disability benefits applications to be initially be denied. This is due in large part for the economic benefit of the insurance company, but it can also
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Our insurance bad faith lawyers may be able to help. Disability Claims Denied – San Francisco Often, insurance companies will act in their own best interests before considering the needs of their policyholders. In fact, most often, an initial claim for disability
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Call our lawyers for help — your initial consultation is free and you pay nothing unless we recover for you. It is more common to be denied disability benefits than having your initial application approved. If you are denied, though, you still
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Fact: Disability Benefits Claims Are Sometimes Wrongfully Denied Oakland Disability Insurance Claims Lawyers It is rare for a disability benefits claim to be approved on the initial application so it is easy to understand why many legitimate claims are wrongfully denied. When
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Different organizations require different types of insurance coverage. Often, when faced with a legal obstacle or financial challenge, small-business owners must turn to an attorney who has experience in a wide variety of industries. At Donahue & Horrow LLP, our lawyers are
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We Understand How The Disability Insurance Appeals Process Works If you are submitting a claim for disability benefits, it is likely that you will be denied. We encourage you to schedule a consultation with an attorney at our office rather than to
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Riverside Denied Disability Claims Lawyers Most disability insurance claims are denied at the initial application stage. This denial, however, does not mean that you do not qualify for benefits. Often, an experienced attorney can guide you through the appeals process and help
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Disability claim denied? We can help you file an appeal. Long Beach Denied Disability Claims Attorneys In this day and age, it is more likely that your initial application for disability benefits will be denied before they are approved. This denial, though,
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Irvine California Denied Disability Insurance Claims Attorneys There is a reason so many disability insurance claims are outright denied — insurance companies are businesses and they must make a profit. Insurers pay on some legitimate claims when they are made, but many
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Los Angeles Lupus Disability Insurance Bad Faith Attorney Do you suffer from systemic lupus erythematosus, more commonly referred to as simply lupus? If you need assistance making a disability insurance claim, the lawyers of Donahue & Horrow LLP, can help. If you
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Definition of “Disabling Conditions” for Insurance Claims Purposes Clients have frequently asked us for more information on disability policies and the conditions that could qualify a consumer for coverage under a disability policy. When insurance carriers decide to provide disability insurance policies
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Severe Migraine Headache Disability Claims The term migraine is frequently misused. Many people use the term simply to refer to a bad headache, which undermines the severity of true migraines. If you have been diagnosed with migraines, you know just how disabling
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Severe Migraine Headache Disability Claims The term migraine is frequently misused. Many people use the term simply to refer to a bad headache, which undermines the severity of true migraines. If you have been diagnosed with migraines, you know just how disabling
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About Private Disability Insurance for Doctors and Medical Professionals Doctors and medical professionals, particularly those who are self-employed and run their own practices, frequently purchase private disability insurance, referred to as own-occupation disability insurance. If you purchased such a policy, you did
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Los Angeles Disability Insurance Claims Lawyers Having disability insurance is one thing. Having effective disability insurance is something else altogether. What is the difference? The definition of disability. Many people think that there is a universal definition of disability. Unfortunately, when it
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El Segundo Back and Neck Injuries Lawyer Do you suffer from a disabling back or neck injury? Do you need assistance making a disability insurance claim? Have you already made a claim, only to have the insurance company deny it or underpay
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Insurance Claims Disputes Attorneys, Los Angeles At Donahue & Horrow LLP, our lawyers help people in the Los Angeles area and throughout California take advantage of their disability insurance policies when cancer prevents them from working. We handle claims involving all types
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Insurance Claim Disputes Over Disabling Chronic Fatigue Syndrome Chronic fatigue syndrome (CFS) is a unique medical condition, marked by long-term fatigue that is not relieved by rest. The exact cause of this condition has yet to be determined. Matters are made more
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Depression As a Disability Many people do not understand how serious depression can be. Those who suffer from it know that it can be disabling, making work impossible. If you have been diagnosed with depression or any similar mental health condition, you
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Los Angeles Disability Insurance Attorneys Of the various benefits that employers provide, one that many employees get but never want to use is disability insurance. However, if a situation arises in which a medical condition forces an employee to use the disability
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Explanation of ERISA Insurance Claims and Non-ERISA What Is ERISA? Most group disability insurance policies obtained through employment are governed by the Employees Retirement Income Security Act of 1974 (ERISA). ERISA was put in place to provide employees a minimum standard of
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