Our Services

Representing Individuals With Long-Term Disability (LTD) Insurance Claims

Many people have the foresight to purchase long-term disability (LTD) insurance coverage they believe will replace a portion of their income should they become incapacitated and unable to work. Buyers of individual LTD policies are often high-earning professionals and executives, such as physicians and others with highly specialized skills.

Despite the high premiums people who purchase their own LTD policies typically pay, many face unexpected claim denials, delays and other complications when they attempt to collect benefits. The insurance company's profit focus often takes over when it is faced with the prospect of paying a potentially very expensive claim. The experienced long-term disability attorneys of Pillsbury & Coleman, LLP, take decisive action for people whose LTD claims are denied, delayed or obstructed.

Pursuing Your Rightful Benefits Through Decisive Legal Action

Whereas most employer-provided LTD insurance policies are governed by a federal law known as ERISA, which greatly restricts the legal recourse people have if a claim or coverage dispute arises, individual policy claim disputes are governed by California state law, which provides significant remedies for insurer wrongdoing. Our respected, experienced trial lawyers are well-equipped to contest LTD claim denials and delays based on:

  • Disputes over whether your condition meets the definition of disability in your policy and/or what types of work you can still perform
  • The findings of independent medical examiners (IMEs) the insurer may hire to dispute the findings of your treating doctors and support its position on your claim
  • Retroactive cancellation of your policy, known as rescinding or "rescission" of coverage, based on claims that you omitted a pre-existing condition or otherwise gave incomplete information on your application for LTD coverage

Our case experience over the past several decades includes obtaining many multimillion-dollar settlements and verdicts at the expense of the nation's largest disability insurance companies. We represent people with all types of disabling conditions, dealing with professional association-based and privately funded non-ERISA plans as well as privately purchased occupational disability claims.

Putting Our Proven Skills and Resources to Work for You

Our law firm is an unquestioned leader in pursuing disability benefits and damages for people throughout California. Our experienced lawyers have the skill and drive to thoroughly analyze your case, and we have extensive medical, vocational, and other expert resources to build the best possible case for you. To schedule a free case evaluation, call our San Francisco office at 415-655-1549 or contact us today by email.