Disability Insurance Claims
Wrongfully Denied Disability Claim? Our lawyers can help.
Even if your disability insurance claim has been denied, you still have the right to pursue payment from your insurer. You may also have a right to pursue an insurance bad faith claim against your insurer if the denial was improper.
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 your rent or mortgage, or your grocery bills, clothes and other expenses when you are unable to work. But if your insurer denies your disability claim, you may feel that you have nothing to fall back on.
Even if your disability insurance claim has been denied, you still have the right to pursue payment from your insurer. You may also have a right to pursue an insurance bad faith claim against your insurer if the denial was improper.
Free consultation, contingency fee (no fee unless we recover for you) and you don’t even have to come to us.
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 claim has been wrongfully denied, delayed, or underpaid, we will work hard for our clients to obtain the relief that you need. To learn more about your rights, the value of your case, and how our our law firm can help you, contact our lawyers today to schedule a free initial consultation. We offer state-wide legal representation.
Disability is the leading cause of personal bankruptcies and causes nearly 50% of all mortgage foreclosures, compared to 2% by death. 48 percent of VA Mortgage Foreclosures are attributed to disability. 17 percent of American families (1 in 6) have at least 1 adult who is disabled from employment.*
The attorneys at Donahue & Horrow LLP, are experienced at pursuing denied disability claims in California and we offer legal services for disability claims on a contingency basis. You will not have to pay our attorneys to pursue your disability claim unless we obtain compensation for you. For many of our clients, the contingency fee arrangement is a relief because of the dire financial circumstances they may already be facing.
Information About Disability Insurance Claims
FOR PROFESSIONALS
Own-Occupation Disability Insurance Claims
- Business Owners
- Chiropractors
- Computer and IT Professionals (Analyst, Consultant, Software Engineer, Programmers, etc.)
- Dental Professionals
- Education (Teachers, Principals, Professors, etc.)
- Engineers
- Executive and Office Positions (COO, CFO, CEO,
- Financial Advisers
- Certified Public Accountants (CPAs)
- Health Care Professionals (Allergists/Immunologists, Anesthesiologists, Audiologists, Cardiologists, Critical Care, Dermatologists, Doctors, Emergency Medicine, Gastroentrologists,
- Nurses (RN, CRNA, NP), Optometrists, Pediatricians, Pharmacists, Surgeons, Radiologists, etc.)
- Legal (Lawyers, Paralegals, Stenoagraphers, Judges, Lobbyist, etc.)
- Movie Professionals
- Own-Occupation Disability Insurance Claims
- Realtors
- Truck Drivers
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 protection if he ever became physically unable to practice his occupation. Due to the severe pain caused by his conditions, he was unable to continue working in his occupation. $1.8 M For Unreasonable Termination Of Disability Benefits
DISABILITIES
Examples of Specific Disabilities
- Asthma
- Chronic Fatigue Syndrome
- Disability Claims Due to Necessary Medications
- Back and Neck Injuries
- Blindess
- Cancer Victims
- Carpal Tunnel Syndrome
- Cerebral Palsy
- Deafness
- Depression
- Diabetes
- Epilepsy
- Fibromyalgia
- Heart Problems
- Intellectual / Cognitive Disabilities
- Lyme Disease (Chronic)
- Lupus
- Mental Health Issues
- Migraine Headaches
- Rheumatoid Arthritis
Our disability insurance claims attorneys are skilled at uncovering the reasons your claim was denied and quickly acting to rectify errors, and negotiate with the insurance carrier to ensure you receive the proper benefits.
If you are disabled and your claim has been denied, do not accept an initial “no” as your final answer — contact our law firm today to get the help you need.
More About Disability Insurance Claims
- About Wrongfully Denied Disability Insurance Claims and What You Can Do
- California Employer Provided Disability Insurance ERISA Claims
- Delayed Disability Claims
- Disability Claims and ERISA vs. Non-ERISA Insurance
- Disability Insurance Claims for Business Owners
- ERISA Appeals Are Tough, But Our Attorneys Are Tougher
- Help With Making a Disability Insurance Claim
- About Disability Insurance Claims
- Medical Basis for Disability Claims Under California Law
- Own-Occupation Disability Insurance Claims
- Private Disability Insurance Claims Delayed or Underpaid
- The Definition of Disability
- Underpaid Disability Insurance Claims
Disability insurance claims are often denied the first time they are submitted. If your disability insurance claim has been denied, you still have a right to pursue payment from your insurer by filing an appeal.
You may also have a right to pursue an insurance bad faith claim against your insurer if the claim was improperly or wrongfully denied.
ERISA vs. Non-ERISA Disability Insurance Claims
In many cases, employees have disability insurance coverage from a policy obtained through their employer. These group disability insurance plans are generally governed by a federal law called ERISA that may limit your rights and remedies. Employees of churches and governmental agencies, however, may be exempt from the awful limitations of ERISA.
Some individuals have purchased disability insurance coverage on their own. These individual policies are not limited by ERISA and we can pursue coverage and additional damages that are not available under policies covered by ERISA. To you the insured, the differences in damages between ERISA and non-ERISA insurance policies are critical. See our page on ERISA vs. non-ERISA insurance for more information.
Wrongfully Denied Disability Claims Attorney, Los Angeles – Serving All of California
Contact Our Lawyers Today for Your Free Consultation
With more than 50 years of insurance law experience, we help disability insurance policy holders in Los Angeles, San Diego, Sacramento and throughout all of California. No matter where you are located in California, we are here to help you get the benefits you deserve.
We understand that our clients, whether professionals, blue-collar workers or any other workers, depend on disability insurance coverage to pay their bills. We will work hard for our clients to obtain the relief that they need. To learn more about your rights, the value of your case, and how our our law firm can help you, contact the disability claims attorneys of Donahue & Horrow, LLP, to schedule a free initial consultation with a Los Angeles disability insurance claim attorney. We handle disability claims on a contingency basis.
All cases are taken on a contingency basis, which means you pay nothing and we receive nothing unless you win your case by way of settlement or verdict.
*Source: Disabled World. (2016-06-12). Disability Insurance Claims: Questions & Answers.