Disability Insurance Claims

Wrongfully Denied Disability Claim? Our lawyers can help.

Even if your disability insurance claim has been denied, you still have the right to pursue payment from your insurer. You may also have a right to pursue an insurance bad faith claim against your insurer if the denial was improper.

2 out of 3 American families live paycheck to paycheck; 70% of families can only afford to be without a paycheck for 1 month or less.

Two out of three American families live paycheck to paycheck; 70% of families can only afford to be without a paycheck for one month or less.

When Insurance Companies Break Their Promises, You, and Your Family Should Not Have To Suffer for Their Errors

Many sophisticated, high-income professionals like doctors, chiropractors, dentists, surgeons, real estate brokers and lawyers purchase private disability insurance for their own specific occupation. These policies, which typically carry a substantial premium, are designed to replace lost income in the event they become disabled and are not able to do their own occupation.  Far too often, insurance companies unreasonably refuse to pay out on these own-occupation disability policies. Our firm can help you enforce your rights and hold those companies accountable.

When you purchase disability insurance, you are purchasing a promise the insurer will pay benefits in the event you become disabled or unable to do your own occupation, or any occupation. These special insurance policies help pay your rent or mortgage, or your grocery bills, clothes and other expenses when you are unable to work. But if your insurer denies your disability claim, you may feel that you have nothing to fall back on.

Even if your disability insurance claim has been denied, you still have the right to pursue payment from your insurer. You may also have a right to pursue an insurance bad faith claim against your insurer if the denial was improper.

Free consultation, contingency fee (no fee unless we recover for you) and you don’t even have to come to us.

At Donahue & Horrow, we understand that our clients, whether professionals, blue-collar workers or any other workers, depend on disability insurance coverage to pay their bills. If your claim has been wrongfully denied, delayed, or underpaid, we will work hard for our clients to obtain the relief that you need. To learn more about your rights, the value of your case, and how our our law firm can help you, contact our lawyers today to schedule a free initial consultation. We offer state-wide legal representation.

Disability is the leading cause of personal bankruptcies and causes nearly 50% of all mortgage foreclosures, compared to 2% by death.  48 percent of VA Mortgage Foreclosures are attributed to disability.  17 percent of American families (1 in 6) have at least 1 adult who is disabled from employment.*

The attorneys at Donahue & Horrow, L.L.P., are experienced at pursuing denied disability claims in California and we offer legal services for disability claims on a contingency basis. You will not have to pay our attorneys to pursue your disability claim unless we obtain compensation for you. For many of our clients, the contingency fee arrangement is a relief because of the dire financial circumstances they may already be facing.

Los Angeles Insurance Bad Faith Attorneys Free Legal Consultation

All cases are taken on a contingency basis, which means you pay nothing and we receive nothing unless you win your case by way of settlement or verdict.

 


Information About Disability Insurance Claims


FOR PROFESSIONALS

Own-Occupation disability insurance claims lawyers in Los Angeles fight back.

Own-Occupation Disability Insurance Claims

Michael B. Horrow represented an Optical Designer who became totally disabled due to degenerative disease in his back and hips. He had purchased private disability insurance for financial protection if he ever became physically unable to practice his occupation. Due to the severe pain caused by his conditions, he was unable to continue working in his occupation. $1.8 M For Unreasonable Termination Of Disability Benefits

DISABILITIES

Disabled woman showing pain

Examples of Specific Disabilities

Our disability insurance claims attorneys are skilled at uncovering the reasons your claim was denied and quickly acting to rectify errors, and negotiate with the insurance carrier to ensure you receive the proper benefits.

If you are disabled and your claim has been denied, do not accept an initial “no” as your final answer —  contact our law firm today to get the help you need.

Disability insurance claims are often denied the first time they are submitted.

More About Disability Insurance Claims

Disability insurance claims are often denied the first time they are submitted. If your disability insurance claim has been denied, you still have a right to pursue payment from your insurer by filing an appeal.

You may also have a right to pursue an insurance bad faith claim against your insurer if the claim was improperly or wrongfully denied.  Learn More


ERISA vs. Non-ERISA Disability Insurance Claims

In many cases, employees have disability insurance coverage from a policy obtained through their employer. These group disability insurance plans are generally governed by a federal law called ERISA that may limit your rights and remedies. Employees of churches and governmental agencies, however, may be exempt from the awful limitations of ERISA.

Some individuals have purchased disability insurance coverage on their own. These individual policies are not limited by ERISA and we can pursue coverage and additional damages that are not available under policies covered by ERISA. To you the insured, the differences in damages between ERISA and non-ERISA insurance policies are critical. See our page on ERISA vs. non-ERISA insurance for more information.

Wrongfully Denied Disability Claims Attorney, Los Angeles – Serving All of California

Contact Our Lawyers Today for Your Free Consultation

Contact Donahue & Horrow Insurance Bad Faith AttorneysWith more than 50 years of insurance law experience, we help disability insurance policy holders in Los Angeles, San Diego, Sacramento and throughout all of California. No matter where you are located in California, we are here to help you get the benefits you deserve.

We understand that our clients, whether professionals, blue-collar workers or any other workers, depend on disability insurance coverage to pay their bills. We will work hard for our clients to obtain the relief that they need. To learn more about your rights, the value of your case, and how our our law firm can help you, contact the disability claims attorneys of Donahue & Horrow, L.L.P., to schedule a free initial consultation with a Los Angeles disability insurance claim attorney. We handle disability claims on a contingency basis.

All cases are taken on a contingency basis, which means you pay nothing and we receive nothing unless you win your case by way of settlement or verdict.

*Source:  Disabled World. (2016-06-12). Disability Insurance Claims: Questions & Answers.