Insurance Denials And Delays Relating To Disability Claims

After a disabling or career-ending injury, many people turn to their disability insurance to help them maintain their physical health and financial independence. Unfortunately, insurance companies often deny, delay or challenge legitimate disability claims, forcing suffering individuals and families to fight through a complex web of requirements and information at a time when they are least equipped to do so.

Has an insurance company denied your short-term disability (STD) or long-term disability (LTD) claim? Is it placing major hurdles in front of you now that you have been injured or become ill and tried to collect benefits?

We have dealt with every major disability insurer. Read more about specific issues with each carrier.

Versatile California Insurance Lawyers For Policyholders Statewide

Whatever your specific situation and reasons given for nonpayment of your disability benefits, you can get help from focused, accomplished San Francisco attorneys at Pillsbury & Coleman, LLP. Our decades of experience extend across the spectrum of types of disability and related insurance coverage, including:

  • Group long-term disability (LTD): Employers often purchase long-term disability insurance for large groups of employees. Our attorneys are prepared to handle any legal issues surrounding claims for these policies.
  • Individual LTD policies: Individual long-term disability policies are governed by different laws than employer-provided policies. We can guide you through the process.
  • Short-term disability (STD): Whether your short-term disability insurance is employer-provided or purchased independently, our attorneys will help you resolve any difficulties that arise during the claims process.
  • Long-term care insurance: Long-term care insurance ensures that you will be financially stable if you move to a nursing or assisted living home. If your insurance company delays or denies your claim, our attorneys will aggressively defend your interests.
  • Professional and executive claims: Insurance companies often fight hard against professional and executive disability claims. Our firm offers protection to lawyers, doctors, tech workers and others who are in need of legal representation.

  • Credit disability insurance: Credit disability insurance ensures you are able to repay your debts if you become disabled. If your claim for credit disability insurance has been denied, contact our attorneys.
  • Life insurance disability waiver: If your life insurance policy carries a disability waiver of premium, then the insurance company is responsible for paying your life insurance premium if you become disabled. Unfortunately, many insurers resist or delay in upholding this financial obligation.
  • Business overhead expense insurance: Small companies often use business overhead expense insurance to protect the company's finances in the event of the owner's disability. If your company is in danger due to a claim denial, our law firm can help.
  • Keyman insurance: Companies that rely upon a number of key employees to maintain their success often protect themselves with keyman insurance. If one of your company's key people has become disabled and the insurance company refuses to honor your claim, contact our law firm.

Your Proven Resource For A Battle With A Disability Insurance Company

Most people who run into problems with disability claims do not know their legal options — or whether they have any legal recourse at all. We handle cases involving both.

Independently obtained private disability policies, for which claim denials and delays can be contested in state courts and insurance bad faith law can be applied

Employer-provided policies covered by the Employee Retirement Income Security Act of 1974 (ERISA), which severely limits recourse policyholders have for contesting claim denials.

Our entire law practice is devoted to holding insurance companies accountable to their obligations — and we have achieved a track record of success including many multimillion-dollar verdicts and settlements.

If your disability insurance claim has been rejected or you have concerns that the insurance company is attempting to avoid paying benefits you need and deserve, contact us as early as possible in the process. We will welcome your call and provide a free case evaluation. To schedule a consultation at our San Francisco law office, fill out our online contact form or call 415.655.1549.