Continental Casualty Long-Term Care Denial Lawyer

Fight Back Against Continental Casualty Long-Term Care Denials with Pillsbury & Coleman

continental casualty long term care denial lawyersA Continental Casualty long-term care denial can feel like a devastating blow, especially when you’re struggling with a disabling condition. At Pillsbury & Coleman, our California-based attorneys specialize in helping policyholders navigate the complex process of appealing and litigating wrongful denials by Continental Casualty Company (CNA). With over three decades of experience in ERISA and insurance law, we know how to challenge unfair denials and fight for the long-term disability (LTD) benefits you’re entitled to.

If you’ve received a Continental Casualty long-term care denial, you don’t have to face it alone. Our dedicated team is here to guide you through appeals and, if necessary, lawsuits to secure your rightful benefits. Call us today at (800) 999-9948 for a free consultation to discuss your case and explore your options.

Why Continental Casualty Denies Long-Term Care Claims

Continental Casualty, a major insurer providing long-term care and disability policies, often denies claims for reasons that may seem unjust or confusing. Common reasons for Continental Casualty long-term care appeals include:

  • Inadequate Documentation: CNA may argue that your medical records lack sufficient evidence to prove your disability.
  • Policy Interpretation Issues: Continental Casualty may apply a narrow interpretation of their policy’s definition of “total disability” to exclude your claim.
  • Alleged Non-Compliance: The insurer may claim you didn’t follow prescribed treatments or missed medical appointments, using this as grounds for denial.
  • Disputed Severity: CNA may use independent medical reviews or surveillance to argue that your condition isn’t severe enough to qualify for benefits.
  • Policy Exclusions: The insurer may cite exclusions, such as pre-existing conditions, to deny coverage.

These tactics can leave policyholders feeling frustrated and powerless. At Pillsbury & Coleman, we understand Continental Casualty’s strategies and are prepared to counter them with a robust appeal or lawsuit.

Appealing a Continental Casualty Long-Term Care Denial

Overturning a denial requires a well-executed Continental Casualty long-term care appeal, as this step is critical to securing the benefits you’re entitled to. Under ERISA regulations, which govern most group disability plans, you generally have 180 days from the date of your denial letter to submit an appeal. This is your final opportunity to present new evidence before a potential lawsuit, as federal courts in ERISA cases typically only review the administrative record established during the appeal process.

At Pillsbury & Coleman, our attorneys approach appeals with meticulous care. We carefully analyze your denial letter, policy details, and claims file to uncover errors or inconsistencies in Continental Casualty’s decision. Our team works closely with your physicians, medical specialists, and vocational experts to compile comprehensive evidence, including medical reports and affidavits, to validate your disability.

We also challenge biased medical reviews conducted by Continental Casualty’s hired examiners by securing independent expert evaluations to ensure a fair assessment of your condition. Additionally, we ensure all documentation adheres to Continental Casualty’s policy requirements, correcting any procedural issues cited in the denial. Our aim is to construct a persuasive appeal that significantly increases your chances of reversing the Continental Casualty long-term care denial without resorting to litigation. Should the appeal not succeed, we are fully equipped to pursue your case in federal court with a strategic legal approach.

Filing a Lawsuit Against Continental Casualty

If your appeal is denied, a lawsuit may be necessary to recover your benefits. Filing a lawsuit against Continental Casualty requires deep knowledge of ERISA law and federal court procedures. At Pillsbury & Coleman, our Continental Casualty long-term care lawyers have extensive experience litigating denials in federal court, challenging wrongful denials and holding insurers accountable. Our litigation process includes:

  • Building a Strong Case: We leverage the administrative record from your appeal, ensuring it includes all relevant evidence to support your claim in court.
  • Challenging Unfair Practices: We expose Continental Casualty’s use of biased medical reviews or improper claim handling to argue for a reversal of their decision.
  • Advocating for Your Rights: Our attorneys present persuasive legal arguments to demonstrate that CNA’s denial was arbitrary or unsupported by evidence.

Litigation can be daunting, but our team handles every aspect, allowing you to focus on your health while we pursue the benefits you deserve.

Why Choose Pillsbury & Coleman for Your Continental Casualty Case?

Pillsbury & Coleman is a trusted leader in California for handling Continental Casualty long-term care lawsuits, with a nationwide reputation for success. Our attorneys have recovered millions in benefits through appeals and lawsuits against major insurers like CNA. Here’s why clients choose us:

  • ERISA and Insurance Expertise: Our in-depth understanding of ERISA and insurance law ensures your case is handled with precision, whether in appeals or federal court.
  • Personalized Support: We keep you informed with clear, regular updates and simplify complex legal processes to reduce your stress.
  • No Upfront Costs: Our contingency-based fee structure means you pay nothing unless we recover your benefits.
  • Proven Success: We have a strong track record of overturning denials for conditions like chronic fatigue, mental health disorders, and neurological impairments.

We know the emotional and financial strain a denial can cause. Our compassionate team is committed to fighting for your rights with tenacity and care.

Contact Pillsbury & Coleman Today

Don’t let a Continental Casualty long-term care denial stand in the way of your financial security. The skilled attorneys at Pillsbury & Coleman are ready to review your case, guide you through the appeal process, and, if needed, litigate in federal court to secure your benefits. Based in San Francisco and serving clients nationwide, we’re here to be your advocate.

Call (800) 999-9948 or complete our online contact form for a free, no-obligation consultation. Let Pillsbury & Coleman help you fight for the benefits you’re owed.