If you have long-term disability insurance, either privately or through your employer, in California, you expect to be able to use it if an accident occurs that puts you out of work. Unfortunately, it is in the insurance company’s best interest to deny your claim and they oftentimes go to long lengths
Important elements of disability insurance
Most people who live and work in California would find it financially challenging to suddenly be without their paychecks for an extended period of time. This may happen if a person is laid off or gets fired from their job but it also may happen if they become sick or injured and
What evasive maneuvers could insurance companies make?
As a Californian, you rely on your insurance to help you out when you need aid. You can also rely on Pillsbury & Coleman, L.L.P., to help you out if your insurance companies fail to provide what you require. Unfortunately, insurance companies aren’t always going to be on your side. This can
When problems arise with long-term care insurance claims
There are many concerns people may have about their retirement years. This includes worries about whether they will be able to afford long-term care should the need for such care arise. One of the steps some take in their efforts to address this concern is taking out a long-term care insurance policy. It
Musculoskeletal disorders the most common long-term disability
The vast majority of disabilities arise from medical disorders rather than from an accident or injury. Musculoskeletal disorders – such as back problems, arthritis, and carpal tunnel syndrome — are the biggest category of long-term disability claims. These claims are also frequently denied. Unlike cancer or a broken bone, it is not
Fighting a long-term disability claim denial
Suffering from a long-term disability (LTD) means you already have enough to deal with. You do not want to add fighting with an insurance company to the list. All too often, insurance companies try to avoid paying for coverage. That could leave you vulnerable both physically and financially. There are actions you
What happens with long-term disability claims?
Many of us depend upon our jobs to provide us with the means to make a living. We create budgets and financial plans based on the amount of money that we make each month. When we suffer an injury or illness that makes working impossible, we need to know what we can
Answers to your questions about long-term disability
Many clients come to us and have serious questions when they suffer from a disability that makes them unable to work. They have disability insurance but do not know what that means or what that entitles them to receive from their insurers. In this post, we want to answer some of the
9th Circuit case considers disability benefits
Recently, the 9th Circuit Court of Appeals released a decision that may have a significant impact on long-term disability insurance matters in California. The ruling could potentially limit some of the power that insurance companies have to deny claims for benefits. The case concerned a woman who worked for Boeing. As a