Guiding You Through The Long-Term Disability Claims Process
Was your claim for private long-term disability insurance benefits denied? At the Law Office of Robert F. Keehn, in Los Angeles, we have the knowledge and experience to use state and federal laws to challenge benefit denial claims for our clients. As experienced litigators, we are always in a position to represent you concerning any disability insurance claims.
Attorney Robert Keehn has faithfully and successfully served insurance law clients in Los Angeles County, in Orange County and throughout Southern California for more than 30 years. He uses this extensive experience — much of it formerly as an insurance defense attorney — to pursue the disability benefits for which you are entitled.
Your Private Disability Insurance Was Meant To Protect You
When your family members depend on your income, a serious accident, a catastrophic injury or an illness could leave you unable to provide for them. This is why independent professionals often purchase private disability insurance for protection from these risks. The substantial premiums you pay are supposed to bring you peace of mind.
When the unthinkable occurs, however, many private disability insurance policyholders are shocked to find that their insurance claims have been denied. They discover that insurance companies have no problem taking their money – and no problem contesting their right to benefits.
Financial hardship can ensue, along with feelings of vulnerability, fear and anger.
Attorney With Extensive Experience Handling Disability Cases
Serious disabilities can cause an employee to be unable to work for a period of time, or even permanently. This kind of devastating setback can complicate the once-routine payment on important financial obligations such as a mortgage and deplete your savings.
As an experienced insurance lawyer, Robert knows exactly how focused insurers are on their financial bottom lines, especially in a time of state and national economic uncertainty. He will help you and your family understand your long-term disability plans and aggressively push insurers to make good on their long-standing commitment to you.
Your insurance policy is, in fact, an insurance contract – an agreement written by attorneys for powerful major insurers. When your right to private disability benefits is called into question and your family becomes a pawn in the insurance company’s game, the attorney at the Law Office of Robert F. Keehn is ready to be your advocate.
Worry is no substitute for action. When you’ve been denied, Robert will be on your side.
Understanding Long-Term Disability Claims
A number of California employers offer long-term disability insurance coverage to eligible individuals. That is the good news. The bad news is that the disability claims process constructed by many insurers and employers is extremely complex and difficult to navigate.
Many individuals are initially denied benefits because they do not understand disability laws. The claim preparation process is also extremely complicated. And often those denied claims do not understand that they may have the right to appeal such denial or termination of their benefits.
It takes an experienced disability lawyer to litigate such cases in state or federal court. Whether your claim was denied from the outset or your benefits were suddenly terminated, your plan states that you must be informed of the reasons for a denial or termination. Our full-service long-term disability law office will research those reasons, collect information and evidence related to your claim for benefits, and strive to obtain for you the benefits you deserve.
A Wealth Of Knowledge In Disability Insurance Law
As a longtime disability insurance lawyer, Robert is highly familiar with insurance company strategies, and he moves proactively to deal with them. He advises homeowners, professionals, employees and other policyholders concerning the ultimate way to resolve their insurance disputes, including those involving:
- Life insurance benefits
- Insurance cancellation or recission matters
- Disability insurance matters
- Liability coverage disputes covered under a commercial or homeowner policy
- Health insurance claims
Under California law, insurance companies have to deal fairly with you. By failing to do so, insurance companies could face a claim of bad faith or allegations of unfair settlement practice.
If you feel that you have been a victim of insurance bad faith and your private disability claim is being unfairly contested by an insurer, the attorney at the Law Office of Robert F. Keehn can help. Robert will utilize his more than three decades of experience and insight gained as a former insurance defense lawyer on your behalf.
Answers To Common Disability Insurance Questions
Below, you’ll find answers to questions commonly asked by other prospective clients who have faced claim denial.
What is long-term disability insurance?
Long-term disability (LTD) insurance provides financial support if you become unable to work due to a prolonged illness or injury. It typically begins after short-term disability benefits have ended, helping you manage living expenses during your recovery period.
Why was my private disability insurance claim denied?
Private disability insurance claims can be denied for various reasons, including:
- Insufficient medical evidence
- A determination that your condition is not severe enough to qualify as a disability
- Missed deadlines
- Discrepancies in your application
It’s essential to ensure that all information provided is accurate and complete to avoid these issues
How often do disability insurance companies deny claims?
Although the exact percentage varies by claim type and company, it is common for initial claims to be rejected. Carefully preparing your claim can improve your chances of approval.
What can I do after a denied disability claim in California?
The first step is to carefully review the denial letter, which should provide the reasons for the denial and any deadlines for filing an appeal. Next, gather all relevant documentation and medical records that support your claim.
While you are not required to consult an attorney, it can be highly beneficial to do so. A knowledgeable lawyer can help you understand your rights and the best course of action for your specific situation.
Can I appeal the denial of my private disability insurance claim?
Yes, you can. The denial letter should outline the process for filing an appeal, including any deadlines you must meet. During the appeal, you will need to provide additional evidence to support your claim and address the reasons for the initial denial. Robert can assist you in preparing a strong appeal to improve your chances of a favorable outcome.
How can a disability insurance lawyer help with my private disability insurance claim?
Please Seek Help Immediately
Los Angeles long-term disability attorney Robert F. Keehn understands the challenges you face. Call the Law Office of Robert F. Keehn or complete our online form to schedule a no-obligation, free initial consultation. Our phone number is 424-777-3964.