private disability insurance


Insurance Companies that
We Have Won Against

Guardian Life
Liberty Mutual
Lincoln Financial/Lincoln National Insurance
Reliance Standard
Sun Life
UNUM Provident

California Long-Term Disability Insurance Lawyer

Michael B. Horrow, Founder

Have you been denied a private long-term disability insurance claim? Our California private long term disability insurance lawyers are ready to assist you every step of the way at no cost unless we win your case. Do not hesitate to call us for a FREE consultation at 877-664-5407 or fill out our contact form on the right and we will respond quickly.

Do not try and fight the claim denial alone.  Insurance companies have specific tactics they use to delay and deny claims.  Our team, lead by Michael B. Horrow, will work relentlessly on your behalf and has a strong track record of wins against most major insurance companies.

long-term disability insurance lawyers - let us help you if your claim is denied

Long-Term Disability Insurance Claim Disputes

Private long-term disability insurance – you pay into it, hoping to never have to actually use it, but when you do need it, you expect it to be there. After all, you have been paying premiums for years to cover the unlikely event that you find yourself unable to work. What about when your insurance claim gets denied? It can be devastating. It can mean the difference between being able to pay your bills or facing a foreclosure on your home. It can mean the difference between being able to provide for your family or not. Because we pay on our disability insurance policies, we plan for the future expecting to have those funds in case of a catastrophic event.

As a professional, you purchase private long-term disability insurance to cover your income if you are unable to perform the daily tasks required to do your job. For example, a surgeon unable to perform fine hand motor skills, or a nurse who can't stand all shift because of debilitating back pain. Or perhaps an attorney, like us, who has disability insurance so if you are injured or develop a sickness and can no longer practice law, you are still able to support your family and pay your bills. As a court reporter, you purchased a disability insurance policy to cover your income if you develop carpal tunnel syndrome and can no longer perform your duties.

Common Types of Long-Term Disabilities

Some of the common types of disabilities that we see are:

  • Orthopedic injuries - back, neck and repetitive stress conditions
  • Brain injuries
  • Back injuries
  • Heart disease
  • Fibromyalgia, Arthritis, Connective Tissue or other causes of chronic pain
  • Arthritis and connective tissue diseases
  • Psychiatric conditions
  • Cancer - all forms, especially the disabling impact of cancer treatment
  • Heart disease and cardiac conditions
  • Addiction Disability Claims
  • Carpal Tunnel Syndrome
  • Cognitive Impairment
  • Hand Injuries
  • Multiple Sclerosis
  • Parkinson's Disease
  • Plantar Fasciitis
  • Post-Traumatic Stress Disorder (PTSD)

Regardless of what your occupation is, you have paid a lot of money to your insurance company to assure your financial stability in the face of an unexpected disability. What do you do when your claim gets denied?

You do not have to, and absolutely should not, simply accept the denial of your rightful insurance claim. At a bare minimum, you should speak with a California private long-term disability insurance lawyer from Donahue & Horrow LLP to understand your rights and possible avenues for recourse. Insurance denial cases are unique from other types of legal cases. You have specific rights and if you don’t pursue those rights, you could be throwing money away – you could be throwing your future away.

At Donahue & Horrow LLP, our California long-term disability insurance lawyers have the knowledge and experience necessary to advise you of your rights, guide you in deciding how to move forward, and fight for the money that you deserve. If you’ve purchased private disability insurance and have filed a claim and been denied, there are time limits within which you must pursue your rights. Call us today for your free consultation. We can assist you and your loved ones with private disability insurance denials.

How We Help

If your claim has been denied, delayed, or underpaid, we can help. We can help you recover the money that you deserve and need. We can fight for the money you need to pay your mortgage, the money you need to provide food and clothing for your children, and the money you need to move forward with your life. We know that you are dealing with an injury or illness and the last thing you need is the headache of fighting for your insurance proceeds – we will do that for you so that you can focus on adjusting to your new normal. Our insurance dispute attorneys in California will listen to your story – from when you purchased your disability insurance policy to when you became disabled and were denied the proceeds – and will create a plan of action tailored to your case and your circumstances. We will fight the disability insurance carriers and get the result you need.

Don’t let your future suffer and don’t let your loved ones suffer. Do not accept a denial of your valid righteous claim by the insurance company. Disability is the leading cause of personal bankruptcies; it causes almost half of all mortgage foreclosures. And disabilities are common – 1 in 6 American families have at least one adult who is disabled and unable to work. Don’t risk your home and your assets because someone at an insurance company told you “No”.

Come in to meet with an experienced attorney in disability insurance denials in California to understand your rights and the paths to recovering those funds. It could be the difference between losing your home and maintaining your standard of living, between feeding your family and struggling to make ends meet.

We know your disability is likely already putting you through financial hardship and we recognize that. We take these cases on a contingency basis – that means you don’t have to pay a dime until we recover money on your behalf. Get started with your free consultation or call us at (877) 664-5407.

If you’ve experienced any of the circumstances below, call for your consultation today. And if those circumstances don’t apply, you may still have a strong case for bad faith. Some of the most common red flags of a bad faith denial include:

  • The insurance company overrules your doctor’s opinion
  • The insurance company classifies an injury as an illness to limit your benefits
  • The insurance company canceling your policy after you’ve filed your claim
  • The insurance company insists on an examination by a physician who “does not specialize” in the condition you are disabled from
  • Unreasonable amounts of paperwork request.

Don’t trust the insurance company – they are in the business of making a profit, not protecting your rights. Here at Donahue & Horrow LLP, with over 50 years of combined experience, you can expect to receive the experience, intellect and work ethic of a large firm, with the customer service and individualized attention of a small boutique law practice. Get started with your free consultation or call us at (877) 664-5407.

Long-Term Disability Insurance Claims Demystified