An insurance denial is not the end

You try to use your long-term disability insurance, but you get denied. Since you know you are disabled, you’re shocked. Is this all you can do? Is that the end of it? It’s not. Appeals are possible and even common. You may be able to make multiple appeals. Do not assume you are out

Your rights under the Employee Retirement Income Security Act

Retirement plans are extremely important for ensuring that all workers are financially secure for their entire lives. Many workers know that they are putting aside funds for retirement, but they often do not have a lot of information about their plans. This is why the Employee Retirement Income Security Act (ERISA) was

You’re not powerless against your insurance company

You trusted your insurance company. You made those monthly payments because you believed that they would be there for you when you needed them. Then you filed a valid claim, and they denied it. You can’t believe it. You feel like they robbed you, essentially. They took your money and then refused to

Tricks of the disability insurance trade: Deny until death

What’s one sure-fire way insurance companies can avoid paying out a long-term disability claim? When the policyholder dies before he or she can collect. That seems rather obvious and makes sense — until you realize that some long-term insurance companies will frequently find ways to delay payment on a long-term disability policy as long

Can work incidents result in long-term disability?

California residents who get involved in work-related incidents can end up with injuries that result in short or long-term disability. In these cases, Pillsbury & Coleman, LLP, are here to help you deal with the insurance situation. “Work-related incidents” is a term that covers a very large scope of possible happenings which

Private disability or ERISA? The best policy is both policies

By Terry Coleman In years past, professionals who wanted a long-term disability policy would go out in the private market. These policies would protect them if they became unable to practice due to injury or illness. And if that doctor or other professional changed jobs, the coverage would follow them. The insurance

Mental health is the new battleground in disability claims

At a time when more people are dying by suicide or overdose, those seeking treatment for mental health issues and addiction face major barriers. Namely, insurance companies are deploying many tactics to deny or limit mental health coverage. This includes professionals and others who have long-term disability insurance. Mental health claims are