California

Disability Insurance Claims in California

Disability Insurance Claim: Most people in the state of California, who have purchased a disability policy – whether it is an individual policy or a group policy, believe that if they were to become disabled, they would receive benefits. People don’t want to believe that disability insurance companies are in the business of denying disability claims, but unfortunately, many people in California find out the hard way that the disability insurance company is in the business of collecting premiums but considers it to be bad business if they have to pay out benefits to claimants. Because of this universal philosophy, insurance companies often find themselves in adversarial positions with their insured after a claim is made upon the disability insurance company.

When a disability claim is denied in California, you need qualified help to turn a situation around. If you ignore the denial or hope it will get better on its own, the insurance company will always prevail in a California disability insurance claim. Disability insurance claimants need the best disability insurance law firm to help them turn a bad situation into a good one and we are here to help you in California.

About our Disability Insurance Lawyers and Law Firm Services in California

Our law firm has been battling insurance company denials since 1994. Over these years, our firm and our California disability attorneys has become an experienced, efficient, and trustworthy disability insurance firm. We know who all the disability insurance companies are and we have learned about their good and bad habits. It is our resourcefulness and hard work that has earned our firm a solid nationwide reputation in the field of disability insurance denials.

For the benefit of our disability insurance claimants, we have answered commonly asked queries related to disability insurance claims.

FAQ’s on Disability Insurance Denials in California

(1)   Do you offer free consultation?

Yes we do. You can consult with our disability insurance attorneys in California about your disability insurance claim irrespective of whether it is in California or any other state. Disability insurance denial consultations are done over the phone and we will return your call the same day you call.

(2)   What can I expect from your law firm?

Our California disability attorneys will listen to your story and understand exactly why the disability insurance company has denied your claim. Once we understand the sequence of events that brought you to our office, we will work together to get you the benefits that you deserve. Disability insurance companies in California know that most disability claimants in California are very vulnerable and are at their weakest point when they are forced to file a claim. They know that you are filing because you really need the money and they will do whatever they can to sabotage your claim from day one. You can expect a law firm that will pay attention to the details of your case and give you sound legal advice based on firsthand knowledge and experiences with the disability insurance companies.

(3)   How does the court system work?

If you are a resident of California and wish to file a suit to enforce your California disability insurance, you can do this in the California Superior Court.

In case you want to file an appeal based on the decision of the lower court, the next court above includes the Court of Appeals and the California Supreme Court.

In the event that you are a resident of California and the disability insurance company is situated in a state other than California, then you can file a suit in the California Federal District Court. There are four Federal Courts in California – Northern, Eastern, Central and Southern District of California Federal Courts. The case can be filed in any of the courts. You can only file in Federal Court if the disability benefit payable is more than $75,000.

(4)               What about ERISA-governed disability insurance policies?

A majority of disability insurance policies both short term and long term polices are governed by federal ERISA laws. ERISA polices are provided by the employer however they have many restrictions that are not in favor of the employee. In fact, most ERISA policies are completely one sided and must be appealed on a regular basis. Depending on your employer, you may be paying for the benefits of your California policy or very often, the disability policy is an earned benefit that you receive just for being an employee in the company. You may be paying for the policy by taking a deduction of salary and having it applied for your benefit in an ERISA group disability policy. In this type of case, the disability insurance denial suit can be filed in the California Federal District Court or in the alternative, it is also possible to file the same disability law suit before the federal court of any state in which the insurance company carries on business.

(5)   How do you evaluate disability insurance claims?

We evaluate your claim quickly and efficiently. When you call our office about your California disability insurance claim we listen to your facts and schedule a subsequent call within 24 hours of receiving your inquiry. During the initial call, we will explain the California disability insurance law and we will give you a list of documents that you will need to gather over the upcoming week. These documents will include the disability insurance policy, any letters that you received from the disability insurance company and any emails that you have written or received from the adjuster at the insurance company.

We understand your desire to get the benefits that you paid for but we also know that disability insurance company adjusters are focused on keeping the insurance company money in their own bank account. You need to take a vigilant attitude when dealing with a disability insurance company in California. We know the tough road that lies ahead and we will advise you on how to deal with the insurance company from the outset in regards to the powerful attorney client relationship. You are always welcome to meet our disability insurance attorneys at our offices in California and in our home office in Fort Lauderdale however you will find that most of the communication will be conducted on the phone or via email.

(6)   Which cities do you serve?

In case you wish to evaluate your short-term or long-term disability claim for free, strongly consider touching basis with one of our disability attorneys in any one of the following cities:

  • Antioch
  • Bell
  • Hawthorne
  • Long Beach
  • Los Angeles
  • Norwalk
  • Oceanside
  • Pacoima
  • Santa Ana
  • South Gate
  • Norwalk
  • Oceanside
  • Oxnard
  • Pacoima
  • Pittsburg
  • Santa Ana
  • South Gate
  • Sylmar
  • Watsonville
  • Westminster
  • Fremont
  • Fresno
  • Hawthorne
  • Hayward
  • Hesperia
  • Huntington Beach
  • Huntington Park
  • Indio
  • La Habra
  • La Puente
  • Laguna Niguel
  • Lake Forest
  • Lancaster
  • Livermore
  • Long Beach
  • Los Angeles
  • Lynwood
  • Merced
  • Milpitas
  • Montebello
  • Moreno Valley
  • Napa
  • North Hollywood
  • Norwalk
  • Oceanside
  • Ontario
  • Oxnard
  • Pacoima
  • Palmdale
  • Panorama City
  • Pico Rivera
  • Pittsburg
  • Pomona
  • Porterville
  • Reseda
  • Rialto
  • Riverside
  • Rosemead
  • Sacramento
  • Salinas
  • San Diego
  • San Francisco
  • San Jose
  • San Pedro
  • Santa Ana
  • Simi Valley
  • South Gate
  • South San Francisco
  • Sylmar
  • Tulare
  • Union City
  • Vacaville
  • Victorville
  • Vista
  • Watsonville
  • Westminster

 

(7)   Which counties in California do you serve?

Our disability insurance lawyers are present in the following counties:

  • Alameda
  • Alpine
  • Amador
  • Butte
  • Calaveras
  • Colusa
  • Contra Costa
  • Del Norte
  • El Dorado
  • Fresno
  • Glenn
  • Humboldt
  • Imperial
  • Inyo
  • Kern
  • Kings
  • Lake
  • Lassen
  • Los Angeles
  • Madera
  • Marin
  • Mariposa
  • Mendocino
  • Merced
  • Modoc
  • Mono
  • Monterey
  • Napa
  • Nevada
  • Orange
  • Placer
  • Plumas
  • Riverside
  • Sacramento
  • San Benito
  • San Bernardino
  • San Diego
  • San Francisco
  • San Joaquin
  • San Luis Obispo
  • San Mateo
  • Santa Barbara
  • Santa Clara
  • Santa Cruz
  • Shasta
  • Sierra
  • Siskiyou
  • Solano
  • Sonoma
  • Stanislaus
  • Sutter
  • Tehama
  • Trinity
  • Tulare
  • Tuolumne
  • Ventura
  • Yolo
  • Yuba

For more information on courts in California, government offices, and California Department of Insurance Information, use the following links:

 

 

Federal Courts