Come and enjoy a silent auction full of all kinds of fantastic items, a scrumptious dinner (4 great choices) and a fabulous night of comedy featuring Brad Garrett and his hand-picked special guest comedians, Debi Gutierrez & Ken Garr!
Long-term care insurance covers care what is necessary for a person to live independently and still maintain quality of life. This care involves activities of daily living, or ADLs, such as bathing, dressing, preparing meals, walking and other daily activities. Long-term care insurance can provide coverage that keeps elderly or frail adults in their homes.
Claims involving birth injury do not have to be filed until the child’s eighth birthday in most cases, but there are exceptions. This allows claims for injuries that may not have been apparent until a child entered school. Unfortunately, some claims, such as claims against a government-run hospital, have much shorter deadlines so it is important to contact an experienced birth injury attorney if you suspect that your child has a birth injury.
Dr. Jeffrey E. Budoff, a respected board certified orthopedic surgeon in Houston, TX, who specializes in hand, wrist, elbow, and shoulder treatments states: “Carpal Tunnel Syndrome is mainly a work-related, repetitive motion injury and is defined as a compression of the median nerve. If you suffer from pain or numbness in the hand or forearm region, you can conclude that you have Carpal Tunnel syndrome.”
Many high-income professionals decide to purchase private disability insurance for their own specific occupation. The goal is to protect themselves in the event they become disabled and are not able to work in their current occupations.
These professionals, such as doctors, dentists, and lawyers, pay a high premium for the peace of mind and protection of this insurance. Insurance coverage is supposed to be there for them, however, if they become disabled.
There are many valid reasons for an insurance company to deny a disability claim for benefits, but insurance companies can and do make mistakes that result in wrongfully denied claims. Oftentimes, a wrongful denial is based on an honest mistake or misinterpretation of information about the policyholder, but that is not always the case.
Southern California consumer attorney Michael B. Horrow will be a speaker at The Consumer Attorneys of Los Angeles (CAALA) 34th Annual Las Vegas Convention, the nation’s largest trial lawyer convention.
The insurance companies that issue occupational accident insurance policies to semi-truck drivers often do not understand California laws. They think they can administer claims as if they were workers’ comp claims. They look for loopholes that they might be able to use under workers’ compensation laws. However, the California laws that apply to these types of policies do not have those loopholes. In other words, the insurance company may have denied your claim illegally. This is a wrong that we know exactly how to right.
Recent consideration of the CLASS Act legislation, which would have permitted workers to buy long-term care (LTC) insurance regardless of their health, put LTC insurance into the minds of many Americans. Often, people are reluctant to purchase LTC insurance because of the cost of coverage and their fears that their claims will be denied, in addition to uncertainty as to whether they will actually need the benefits in the future.
In the real world, insurance companies sometimes act in bad faith when faced with the reality of widespread property damage and thousands of legitimate claims that they must pay. With one eye on the company bottom line, insurance adjusters might try to protect company profits rather than their customers. If so, an insurance bad faith lawsuit may be necessary to resolve a delayed, underpaid or denied policy claim.
Southern California consumer attorney Michael B. Horrow was a guest speaker at The Consumer Attorneys of Los Angeles (CAALA) 34th Annual Las Vegas Convention, the nation’s largest trial lawyer convention. The event, which ran from Thursday, September 1 through Sunday, September 4, 2016 was held in Las Vegas and was widely attended by hundreds of attorneys.
Congratulations to Nichole D. Podgurski on being named a Rising Star by Super Lawyers for 2016. This is the forth consecutive year she has received this honor as one of the top young medical malpractice attorneys in Southern California.
We buy insurance for peace of mind and insurance company ads are targeted towards that need promising we are in good hands, or like a good neighbor they will be there for you when you need help. The problem is, that even when you have purchased insurance, you may still find yourself in a battle with your insurance company over your benefits when it comes time for them to pay on a claim. Suddenly that “good neighbor” isn’t so friendly, and those hands you thought you were in are signing off on claim denials.
Paralysis can occur as a result of a medical injury like a stroke or from a physical accident such as diving into a shallow pool, getting into a car accident, or falling down stairs, but paralysis can also result from medical negligence or malpractice.
A patient becoming paralyzed as a result of medical mistakes is a horrific and terrible event, yet it remains a potential outcome of many procedures. Invasive surgeries pose the greatest risks, but even procedures that are relatively low-level can cause paralysis if errors occur or equipment fails.
Michael Horrow, A Los Angeles area civil litigation attorney who represents consumers who have had troubles with their insurance companies, answered questions in the members chatroom for Families of Spinal Muscular Atrophy
Many of us don’t like to think about life insurance because it means we have to think about loss; however, life insurance is an important product for parents and spouses to consider purchasing in order to ensure that after their passing, their loved ones will be protected against sudden financial hardship.
On Sunday, September 27, 2015 team members from Donahue & Horrow took part in the 7th Annual Justice Jog 5K Run/Walk in Century City to help raise critical funds for CASA, an organization that offers important programs and support for children in Los Angeles foster care.
Volunteers are the heart of Habitat for Humanity of Greater Los Angeles (Habitat LA) and each year, thousands of volunteers lend a hand to build and rehabilitate homes. We are proud to be able to take part in helping others and this year, volunteers from Donahue & Horrow helped Habitat LA ensure that homeowners in Los Angeles can live in safe, decent and affordable housing. It’s hard, but rewarding work, and being part of a team that strives to improve the lives of others is what it’s all about at Donahue & Horrow.
Many homeowner insurance policies cover additional living expenses during natural disasters. This covers living expenses for homeowners incurred as a result of damage caused by fire or mandatory evacuation, allowing consumers to focus their attention on recovery. The coverage typically includes food and housing costs, furniture rental, relocation and storage, and extra transportation expenses. Policy provisions, including deductibles, vary by company. Consumers should check with their insurer regarding any limitations that may apply to the coverage.
LOS ANGELES – September 10, 2015 – Michael B. Horrow, partner at the law firm of Donahue & Horrow LLP will be speaking at the American Conference Institute’s (ACI’s) 18th National Advanced Forum on Litigating Disability Insurance Claims to be held in Philadelphia, PA on January 21-22, 2016.
Glaucoma is a disease of the eye that affects the optic nerve and is often characterized by high fluid pressure in the eye (intraocular pressure, or IOP). African-Americans, especially over the age of 40, have a much higher risk (6-8 times higher) of developing this disease than Caucasians of the same age. African-Americans also have a much higher risk of becoming permanently blind due to glaucoma. Certain people of Asian descent also have a higher risk of developing acute angle-closure glaucoma, and all people over age 40 have an increased risk for this eye disease.
Teams from Donahue & Horrow, LLP participated in the 3rd Annual Tour de Pier. This unique fundraising event brings one of the hottest indoor fitness activities – stationary cycling – to the gorgeous outdoors of Manhattan Beach. The 2015 Tour de Pier was held on Sunday, May 17, 2015 and raised funds for the cancer community to benefit three different charities.
One of the greatest challenges for ER doctors is in treating pregnant women because the lives of two patients are at stake: that of the mother and her unborn child. Medscape, a medical information website that publishes medical information and statistics even states “Few events cause more stress for the full time emergency physician than a pregnant woman at full term who is ready to deliver in the ED. “
A glossary of some of the more commonly used terms contained in, or used to describe insurance policies according the the California insurance department. This glossary is intended to provide general information only and specifically applies to California insurance matters (other state insurance departments may use slightly different terms.)
Adelelmo Cabral was driving home from work on the Eastbound I-10 freeway when he lost control of his car, crossed several lanes of traffic, and collided with the rear of a Ralph’s tractor-trailer rig that had been parked on the freeway shoulder, about 16-feet from the edge of the right lane. The area where the truck had been parked was marked by CalTrans with an “Emergency Parking Only” sign. The Ralph’s driver had stopped there to have a snack. He chose that specific area because it was shaded. Michael Horrow represented Mr. Cabral’s wife and children in a wrongful-death case against Ralph’s.
At trial, Mr. Horrow obtained a jury verdict in favor of the Cabral family, which found that the Ralph’s driver had been negligent in parking his truck adjacent to the freeway, and he also persuaded the trial court to deny Ralph’s motion for judgment notwithstanding the verdict. On appeal, however, the Court of Appeal reversed the judgment in favor of the Cabral family, finding that Ralphs could not be held liable because its driver owed no duty of care to passing motorists with respect to where he parked his truck alongside the freeway.
The California Supreme Court agreed to hear the case, and reversed the Court of Appeal, reinstating the jury verdict.
An OB/GYN retained Michael Horrow to represent her in an insurance bad-faith lawsuit in federal court to challenge Provident’s denial of her claim for long-term disability benefits. As part of her bad-faith claim, Mr. Horrow served a discovery request on Provident asking it to provide information about the bonus awards and performance ratings for the employees who denied Welle’s claim. The insurer refused to provide this information, claiming that the request was improper for various reasons. Mr. Horrow challenged this position and the federal court ruled that Provident was obligated to provide the information he had requested, which the court found was relevant to the bad-faith claim and not unduly burdensome or overbroad.
Michael Horrow represented Otilia Sullivan in an ERISA action in federal court to recover long-term disability benefits. One of the disputed issues in the case was whether the district court should evaluate the plan’s denial of benefits under the de novo or the abuse-of-discretion standard of review. The plan argued that because the “Summary Plan Description” (SPD) document that it provided to plan members to summarize the plan benefits said that the abuse-of-discretion standard applied, the court should apply that standard. But Michael Horrow pointed out that, notwithstanding the statement in the SPD about the administrator having discretion, the plan itself contained no such grant of authority. Mr. Horrow convinced the district court that, in the absence of a grant of discretion in the plan document itself, a statement in the SPD to that effect was insufficient. As a result, the court applied the de novo standard of review.
April Cabana suffered back and leg injuries in an automobile accident. She succeeded in obtaining long-term disability (LTD) benefits from her employer’s disability plan, which was administered by Reliance. After the accident Cabana received extensive treatment on her back, undergoing two spinal-fusion surgeries. Yet she continued to have severe pain. Reliance agreed that she was totally disabled under the “own occupation” disability standard that applied for the first 24 months of the plan. After the 24-month period, the plan applied an “any occupation” test for total disability, and the plan continued to find that she was disabled. But roughly a year later, the plan changed its finding, found that Cabana was no longer totally disabled, and stopped paying benefits.
Cabana retained Michael Horrow to file an action in federal court under ERISA to reinstate her LTD benefits. He marshalled the evidence of her ongoing pain and medical difficulties, and convinced the district court at trial that Cabana was, in fact, totally disabled and entitled to benefits.
In 2014, a team of climbers from Donahue & Horrow, LLP participated in the Aon Center fundraiser. This year team Donahue Horrow once again stepped up to help fight against lung diseases. Each member of the team climbed 1,377 steps in a show of support for the American Lung Association’s fundraiser, Fight For Air Climb, at the Aon Center, Downtown LA on April 11, 2015.
Congratulations to Nichole D. Podgurski on being named a Rising Star by Super Lawyers and for being honored as one of the top young medical malpractice attorneys in Southern California. She also received this award in 2013.
Nichole is an associate who handles cases in all areas of the firm’s practices, including the Consumer Litigation Department, Medical Malpractice, Elder Abuse and Personal Injury.
Donahue & Horrow sponsored an event that was held on Sunday, December 14th, featuring food, fun and games for local families in need. Families celebrated, had a great time together, and received gifts for the holidays.
SACRAMENTO, Calif. – Insurance Commissioner Dave Jones announced today that his department is ready to accept insurance company filings to create new commercial coverage or endorsements to personal auto insurance policies that will provide coverage for Californians who transport passengers for Transportation Network Companies (TNCs) like Uber, Lyft and Sidecar.
There are three stages of Lyme Disease. In Stage 1 — Early Localized, the bacteria has not spread throughout the body. Certain blood tests may show a false negative during this stage. In Stage 2, the bacteria has begun to spread throughout the body, and by Stage 3, Lyme has spread throughout the body. The early and late stages are usually separated by an asymptomatic interval.
Late symptoms can occur weeks, months, or even years after becoming infected with Lyme disease. Some people may either miss, or not show any symptoms until the late stage. This is another reason why diagnosis and treatment for some is more difficult than for others.
On July 14, 2014, the San Jose Mercury News reported that Lyme disease is still often overlooked in Northern California as a possible diagnosis in patients who present Lyme-like symptoms. To those who study Lyme, or, who treat patients with Lyme disease, this probably comes as no surprise.
Each year in California, on average, more than 90 new cases of Lyme disease are reported to the Centers for Disease Control and Prevention (CDC). Historically, some of the locations with the most reported cases include Santa Cruz, Los Angeles, Sonoma, Contra Costa, Humboldt, Mono, and San Francisco.
On Sunday, October 26, 2014, a team of walkers from Donahue & Horrow participated in the SKECHERS Pier to Pier Friendship walk to help raise funds for the Greenberg Foundation, an organization that benefits philanthropy, voluntarism and grantmaking foundations, focusing specifically on private grantmaking foundations programs with am emphasis on serving the needs of children.
In case after case going toe-to-toe with some of the largest disability insurers in the nation, including UNUM, Cigna, Hartford, MetLife and many others, Donahue & Horrow, LLP has established itself as the “go to” firm for own-occupation disability insurance issues and recovered tens of millions of dollars for its clients.
We are pleased to announce our participation in a fun, family oriented fund raising event for Court Appointed Special Advocates (CASA) Los Angeles, a volunteer-based nonprofit that provides advocacy and support to children in foster care due to abuse, neglect, abandonment, or other family issues.
Fibromyalgia can cause intense, unrelenting pain, as well as migraine headaches, irritable bowel syndrome. and even temporomandibular joint (TMJ) and muscle problems. Dealing with pain can be difficult enough, but when coupled with extreme fatigue and memory problems, it is easy to see why fibromyalgia can become a disabling condition.
Many insurance carriers, as well as government disability programs, used to treat fibromyalgia claims with great skepticism, and unless it was diagnosed with another disabling condition, more often than not was seen as a nondisabling condition. However, in July of 2012 that changed when the Social Security Administration issued a new ruling that clarified when fibromyalgia is considered a disability. Read the ruling in, “How And When Fibromyalgia Is Determined To Be A Disability By The SSA.”
SSR 12-2p: Titles II and XVI: Evaluation of Fibromyalgia – How and when the Social Security Administrations classifies fibromyalgia (FM) as a disability; diagnosis, documentation, other requirements.
These are only a few examples of insurance bad faith — California’s insurance laws are not only lengthy, they are complex and it can be difficult for policyholders to know whether or not their insurance company made an honest mistake or if they purposely denied or delayed your claim. If your claim was wrongfully denied or you suspect your insurance company has acted in bad faith, it is important to seek the counsel of an experienced attorney. By filing a bad faith lawsuit, our legal team can attempt to recover damages outside your benefits coverage. These damages can include attorneys’ fees and emotional distress.
Unfortunately, policyholders who blindly trust insurance companies may be tricked into thinking, or otherwise convinced that they did something wrong in the claims process or that they did not have benefits to cover a particular claim. Insurance companies can, and do make mistakes, but sometimes the what may appear to be a mistake may actually be illegal policies and practices that are geared towards favoring the insurer.
If your insurance company does not treat you fairly and respond to your claim in a reasonable, professional manner, it has acted in bad faith. Our experienced attorneys may be able to recover your benefits and additional compensation through an insurance bad faith lawsuit.
At the law firm of Donahue & Horrow, LLP, we are honored to have been able to participate in the Tour de Pier fundraiser to benefit those struggling with cancer. Two teams from Donahue & Horrow led by Michael Horrow and Tom Donahue rode in place to raise money to benefit cancer charities.
Although many people think of CTS as a repetitive injury, not only is that often not the suspected cause of CTS, but recent studies seem to show a stronger link between those who have other autoimmune disorders such as diabetes, Hashimoto’s thyroiditis (a hypothyroidism disease), over activity of the pituitary gland, and rheumatoid arthritis and those afflicted with CTS. Women, especially pregnant women with edema, and women in menopause suffering from fluid retention, and overweight people are also known to have a higher risk of CTS than the general population.
Carpal tunnel syndrome is not only painful, it can decrease the ability to grasp and hold onto small objects, or perform other fine motor skills involving fingers and the hand. This can be particularly problematic for professionals who rely on dexterity and fine motor skills to perform their jobs, including doctors, surgeons and dentists, but can also become so severe that mechanics, typists, machine or other industrial workers may no longer be able to safely or adequately perform the same job.
On April 5, 2014, Donahue & Horrow team members participated in an American Lung Association fundraiser, Climb for Air, at the Aon Center, Downtown LA. The Aon Center is the second tallest building on the West Coast and has 63-stories which meant each team member climbed 1,377 steps!
Donahue & Horrow, LLP has put together a team in which each member will climb 1,377 steps in a show of support for the American Lung Association’s fundraiser, Fight For Air Climb, at the Aon Center, Downtown LA on April 5, 2014.
At the law firm of Donahue & Horrow, LLP, we are honored to be sponsors of the Tour de Pier fundraiser to benefit those struggling with cancer. Two teams from Donahue & Horrow led by Michael Horrow and Tom Donahuewill be riding in place this year to raise money to benefit cancer charities.