CAUTION: A Review of Your Disability Insurance Claim Could Result in Termination

By | Disability Insurance Claims | No Comments

Every so often, disability insurance carriers will review pending claims. Sometimes, with higher payout claims, they’ll do a “review” of the claim with the intention of terminating the benefits – i.e. ceasing payment on your claim. If you receive a letter that your claim is being reviewed, call an attorney immediately to ensure you protect your rights and your claim. Here are a few signs your claim may be terminated.

Insurance Company wants to examine you.

 

Insurance Company is making unreasonable and aggressive requests for information.

 

They may use surveillance.

It’s possible that they will use surveillance to watch you. They may talk to neighbors or simply watch to see what you’re capable of doing. This could then be used against you to say you are not actually disabled and can return to your occupation.. Keep an eye out for this.

They will ask to talk with you.

This may be obvious but sometimes claims personnel will call you and request an in person meeting with an insurance company investigator. Remember, if an investigator is talking with you, it is for a purpose – not to simply be your friend. Be cautious of anything you say that could be taken out of context. It’s best to be prepared for the meeting so talk to an attorney before you speak with the investigator. An attorney can help you prepare for questions that may be asked and make you aware of what could be taken out of context.

We know that when your claim was approved, it was a big weight off your shoulders. You knew you had some financial stability during this difficult time. The last thing we want to see is your benefits terminated. If you think you may be at risk for having your benefits terminated, contact us immediately to protect yourself.

How Michael & Tom’s Worldviews on Ethics, Integrity and Business Align to Benefit Clients

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Before they were law partners, Michael and Tom were great friends for almost 15 years. Raised in two separate parts of the country, Michael in New Jersey and Tom in Nebraska, they developed almost identical, deeply embedded worldviews when it comes to how to conduct their business with the utmost in integrity and the highest level of ethical standards. In fact, it was finding that these views perfectly aligned that led them to joining forces and opening Donahue & Horrow LLP in 2006.

Coming from a very large family in Nebraska, Tom’s father was a surgeon and Tom had nine brothers and sisters. In fact, every one of Tom’s siblings, have graduate degrees. His father instilled in them a core value of integrity and helping others – something that still holds true for Tom to this day. From waiting tables, to mowing lawns, to delivering newspapers all the way to practicing law, Tom’s life has focused on an unrelenting dedication to working hard, fairness and honesty. In fact, Tom and his siblings continue to build a family legacy based on these values with their own children.

Michael, the youngest of four – learned the value of hard work from his father and strong moral principles from his mother. He began working at age 10 by delivering newspapers and shoveling snow from driveways. Eventually, he worked delivering pizzas, driving an ice cream truck, working a deli counter, detailing cars, waiting on tables and more. From that young age, he was determined to always treat people with respect and never be outworked.

All of that experience led Michael and Tom to create the hard working family atmosphere at Donahue & Horrow LLP. Tom and Michael emphasize relationships. They enjoy the practice of law as a way of helping people to solve complex problems. They take on the toughest issues. With a “Client First” view, they seek to understand how difficult the challenge must be for their clients and then work towards a solution. All of the employees at Donahue and Horrow LLP are kind and compassionate – but most of all – they always seek to honor, understand and respect each client’s circumstance. With that understanding, they strive for and obtain excellent results.

For nearly twelve years now, the results have been outstanding. Year after year, clients benefit from the exceptional skill level and unbeatable service at Donahue and Horrow LLP.

Los Angeles Insurance Bad Faith Attorneys Free Legal Consultation Michael and Tom, and everyone at Donahue & Horrow LLP, are committed to listening to their clients and fashioning a plan to achieve their desired results. Every interaction you have with the staff and attorneys here will be guided by the utmost in ethics and integrity. Contact us today for a consultation.

Accidental Death and Dismemberment Insurance Claims

Michael Horrow Wins ERISA Case For Long Term Disability Insurance Benefits

By | Verdicts and Settlements | No Comments

Case Summary: Attorney Michael Horrow represented a women who became disabled as a result of aggressive cancer treatment. Her insurance company said she was not disabled and stopped paying her disability benefits. Case Results: LINA was ordered to bring Plaintiff current on her benefits, with interest, paid to Plaintiff retroactive from the beginning of the “any occupation” period to the present time.

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Choosing a Lawyer in Southern California

Michael Horrow Wins ERISA Case Against Met Life

By | Verdicts and Settlements | No Comments

Case Summary: Michael Horrow represented a dentist who became totally disabled and was unable to perform his own occupation. He had purchased private disability insurance for financial protection if he ever became physically unable to practice his occupation. After initially paying disability benefits, the insurance company abruptly stopped paying benefits.

Case Results: MetLife was ordered to bring Plaintiff current on his benefits and pay back benefits, with interest, paid to Plaintiff retroactive from the beginning of the “any occupation” period to the present time.

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Disability Benefits Denied IME

Hartford Insurance Has Asked for an IME: Do You Need a Disability Claims Lawyer?

By | Disability Insurance Claims, Insurance Company Disputes | No Comments

Although you may be allowed to choose a doctor for the IME, it will be from a list of doctors that The Hartford provides. The chance that you will know anything about their doctors is slim, but assuming the doctor is objective and qualified, remember that he/she can only make a recommendation based on the information they: (1) get from your records, (2) their understanding and knowledge about your particular type of illness or injury, and (3) what they see as most important. Here are tips on protecting yourself and why you may need a disability lawyer.

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LTC Attorneys Los Angeles

Long-Term Care Insurance Claim Denials and Delays

By | Long-Term Care Insurance, News And Articles | No Comments

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.

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Los Angeles Birth Injury Trial Lawyers

Statute of Limitations on Birth Injury Claims in California

By | Birth Injuries, News And Articles | No Comments

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.

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Carpal Tunnel Syndrome Own Occupation Disability Lawyers, Los Angeles

Surgical Treatment For Carpal Tunnel Syndrome Is One Of The Most Common Surgical Procedures Performed In The U.S.

By | Disability Insurance Claims, News And Articles | No Comments

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.”

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

Own-Occupation Disability Insurance Claims

By | Disability Insurance Claims, News And Articles | No Comments

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.

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Simi Valley, Ventura County CA Wrongfully Denied Disability Claims Attorneys

Denied Disability Insurance Claim Or Insurance Bad Faith Case?

By | Disability Insurance Claims, News And Articles | No Comments

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.

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Los Angeles Insurance Bad Faith Examples

Lengthy Delays And Wrongfully Denied Claims Are Just Two Examples Of Insurance Bad Faith

By | Insurance Bad Faith | No Comments

Insurance carriers must uphold a duty of good faith and fair dealing. This means that benefits claims must be thoroughly investigated before being challenged or denied. If an insurance company denies a claim unreasonably or without giving it the proper consideration, it is said that the company acted in bad faith. Contact our Los Angeles insurance bad faith lawyers for a more detailed discussion through a free consultation.

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Chart, Images of Fibromyalgia symptoms

Fibromyalgia, Chronic Fatigue: Diagnosis is Difficult, Benefits Often Denied

By | Disability Insurance Claims | No Comments

Fibromyalgia and chronic fatigue syndrome are two frequently misunderstood medical conditions. According to the National Institutes of Health people often think they developed overnight and exist only within a person’s mind. The truth is that these diseases have been around for centuries, although they were commonly believed to be a single condition known as muscular rheumatism.

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Fibromyalgia Disability Insurance Claims

Fibromyalgia Disability Claims and Insurance Bad Faith

By | Disability Insurance Claims | No Comments

Have you been diagnosed with fibromyalgia? Are you looking for help making a disability insurance claim? Perhaps you have already made a claim and your insurance company has denied it, despite the fact that it is a legitimate claim and you have diligently paid your premiums. Maybe your insurance company has underpaid your disability claim, or is unreasonably delaying your claim.

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Disabled truck drivers may need a lawyer to claim their disability benefits.

Truck Driver Occupational Accident Disability Insurance Claims

By | Disability Insurance Claims, News And Articles | No Comments

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.

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Disability Insurance Claims Book

Underpaid Disability Insurance Claims

By | Disability Insurance Claims | No Comments

If your insurance company has underpaid your disability claim, or if it is attempting to do so, we can help. Our first step will be to review your claim and make certain that you are asking for exactly what your claim is worth. Simultaneously, we will review your disability insurance policy to make note of any applicable policy limits and restrictions, and to find out exactly how much you are entitled to. With that information, we will take action.

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

You Have The Legal Right To Appeal A Denied Disability Insurance Claim

By | Disability Insurance Claims | No Comments

With as much information at our disposal as possible, we will guide you through the process of appealing your denial. There is a special process designed to allow you a chance to have the insurance company’s original decision reversed. Our attorneys have a thorough understanding of this process, and will stand by you every step of the way while we fight to ensure you receive the benefits you deserve.

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You may need a lawyer to help if your insurance claim was wrongfully denied.

Private Disability Insurance Claims Delayed or Underpaid

By | Disability Insurance Claims | No Comments

While many people purchase disability insurance through their employer, others purchase their policies directly through an insurance company. These private disability insurance policies are popular for professionals, such as doctors and medical professionals, who are self-employed, as well as for individuals whose employers do not offer coverage.

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Insurance bad faith claims

Delayed Disability Claims – What Your Insurance Company Doesn’t Want You to Know

By | Disability Insurance Claims | No Comments

Many people do not realize at first that they are being victimized by the insurance company. That is because delay tactics may look like legitimate requests. The insurance company may contact you and ask you to provide supporting evidence of your disability. This may seem reasonable, except that such evidence may be completely unnecessary. Similarly, the insurance company may ask you to see their doctor, which may not be necessary.

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Lawyers to help you appeal insurance company decisions.

Denied Disability Claims Can Be Appealed

By | Disability Insurance Claims | No Comments

If you have been denied disability benefits, it is important not to give up. Our Glendale denied disability 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. Contact our firm today to discuss your situation through a free consultation.

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LTC insurance covers long-term care such as nursing homes.

Long-Term Care Insurance: Getting People the Benefits They Deserve

By | Long-Term Care Insurance, News And Articles | No Comments

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.

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Insurance policy claims can be denied for a number of reasons.

Denied ERISA or Private Disability Insurance Claim, Either Way, Our Attorneys Can Help You

By | Disability Insurance Claims | No Comments

It is increasingly commonplace for disability benefits applications to be initially be denied. If your disability claim was denied, it can be a frightening and frustrating experience. You are concerned about paying your bills and avoiding financial devastation. There is hope — our experienced attorneys can carefully examine your situation and provide valuable legal advice regarding your best course of action.

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Insurance Bad Faith Laws

Disability Insurance Claims for Doctors

By | Disability Insurance Claims | No Comments

Insurance carriers routinely include language in their policies designed to limit coverage in the event of a disability. For example, insurance companies may include a provision that a disabled person must first be receiving “appropriate care” for the condition causing the disability. It is how the insurance companies interpret the wording of “appropriate care” that has been the source of conflict between many claimants and their insurers.

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Disability insurance claims, Los Angeles lawyers.

About Wrongfully Denied Disability Insurance Claims and What You Can Do

By | Disability Insurance Claims | No Comments

When you purchase disability insurance, you are purchasing a promise to pay 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.

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Disability insurance claims are often denied, but a lawyer can help.

We Will Investigate Your Denied Disability Insurance Claim

By | Disability Insurance Claims | No Comments

We will review your disability insurance claim free of charge. If your claim has been denied, your case will be handled on a contingency basis, which means you pay nothing and we receive nothing unless you win your case by way of settlement or verdict. Call us toll free at 877-664-5407 or e-mail us to schedule a consultation with our California disabling conditions insurance claims attorneys.

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Wind damage property insurance claims attorneys.

California Wind Damage: Fighting for Fair Property Insurance Benefits

By | News And Articles, Property Insurance Claims | No Comments

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.

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Disability claims for medications may need a lawyer to collect benefits from a policy.

Disability Claims Due to Necessary Medications

By | Disability Insurance Claims | No Comments

“Diagnosis does not equal disability.” That’s something that insurance defense lawyers often say as they attempt to avoid paying a disability claim. What they mean is, just because you are diagnosed with a medical condition does not mean you are disabled. While this may be true, what they do not understand is that the disabling condition may not be the medical condition itself, but the medication taken to treat the condition.

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CAALA Las Vegas 2016 logo

Michael Horrow Speaks at CAALA’s 34th Annual Convention in Las Vegas

By | News And Articles, Speaking | No Comments

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.

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New York Life Insurance Claims and Death Benefits Settlement

Duty Of Good Faith Required of Insurance Companies

By | Insurance Bad Faith | No Comments

When an insurance company acts more in the interest of its bottom line than in the interest of its policyholders, it is crucial to hold the company responsible for its actions. Typically, an individual has paid premiums to an insurance carrier for months, years or decades only to have a benefits claim denied without proper consideration. Our attorneys will fight to hold the insurance company accountable while ensuring you recover full and fair compensation you may be entitled to receive.

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Climb for Air Team Members with a Mission!

Donahue & Horrow, LLP Team Members Participate in “Fight for Air Climb 2016”

By | Philanthropy | No Comments

In 2014, a team of climbers from Donahue & Horrow, LLP participated in the Aon Center fundraiser to raise awareness about lung cancer and to help fight against lung disease. Team Donahue & Horrow returned again in 2015 to climb for this important cause and now, in 2016, team Donahue Horrow once again stepped up to help fight against lung disease.

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Rheumatoid Arthritis Disability Claims Attorneys

Disability Insurance Claims for Rheumatoid Arthritis

By | Disability Insurance Claims | No Comments

People who do not suffer from rheumatoid arthritis rarely understand how disabling the condition truly is. Disability insurance companies frequently deny claims, simply because they do not consider rheumatoid arthritis a disability. They do not know the pain that is associated with the condition, not to mention the fact that it can make it virtually impossible to do your job. Do you have rheumatoid arthritis in your hands, shoulders, hips, knees or any other joint?

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insurance claims attorneys

Are You Wondering Why Was Your Disability Insurance Claim Denied?

By | Disability Insurance Claims | No Comments

It is possible that the insurance company made a mistake. Maybe a piece of documentation was missing or they misinterpreted your claim. Such mistakes are possible, and our attorneys have the ability to quickly resolve them. However, many denied claims are the result of the insurance company’s failure to fulfill their duty of good faith and fair dealing. If your insurer fails to investigate your claim appropriately and to give as much consideration to your needs as it does its own, you may be the victim of insurance bad faith.

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Insurance Duty Of Good Faith

We Buy Insurance For Peace Of Mind, So What Should You Do When The Insurance Company Won’t Pay?

By | Insurance Bad Faith, News And Articles | No Comments

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.

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Los Angeles Long-Term Disability Claims Attorneys

Was your long-term care insurance claim wrongfully denied?

By | Long-Term Care Insurance | No Comments

Insurance companies are taking advantage of the fact that people in your position — children and other relatives of adults in need of long-term care — are often pressed for time. Between working, raising children of your own and caring for an adult loved one, you simply do not have time to look through all of the small print in a long-term care insurance policy.

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Man in a wheelchair paralyzed due to medical malpractice

Paralysis Caused By Medical Negligence

By | Medical Malpractice, News And Articles | No Comments

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.

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Hope Street 2015 Los Angeles CA

2015 Hope Street Event Sponsored by Donahue & Horrows Helps Families in Need for the Holidays

By | Philanthropy | No Comments

Donahue & Horrow sponsored an event that was held on Sunday, December 13th, featuring food, carolers, fun, and games for local families in need. Families celebrated, had a great time together, and received wrapped gifts for the holidays to take home and open. And, children enjoyed doing holiday crafts and got to meet Santa himself!

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Life Insurance Policy Claims

Top 50 Life Insurance Companies Ranked by the Number of Complaints Against Them (California)

By | Insurance Company Disputes, Life Insurance & AD&D Claims, News And Articles | No Comments

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.

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Habitat for Humanity Greater Los Angeles - Volunteers helping homeowners in need.

Volunteers From Donahue & Horrow Join to Help Habitat for Humanity, Greater Los Angeles

By | News And Articles, Philanthropy | No Comments

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.

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CA Department of Insurance Logo

Butte Fire Insurance Coverage, Temporary Living Expenses

By | News And Articles | No Comments

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.

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Surgeons in an Operating Room

Surgical Errors and Medical Malpractice Lawsuits

By | Medical Malpractice | No Comments

Human error by surgeons, anesthesiologists, nurses, and other medical staff who make mistakes can result in life-threatening post-operative infections, conditions that did not exist prior to the surgery, damage to internal organs, and even death. There is a difference between a known expected risk and a negligent act that causes harm, however, it takes an experienced medical malpractice lawyer to show that important distinction to a jury.

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