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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The attorneys at the Los Angeles area law firm of Donahue & Horrow, L.L.P., are available to you to assist with claim preparation questions and monitoring insurance claims through the process, even before a disability claim is denied.
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.
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.
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.
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.
Attorney Michael Horrow has substantial experience in disability insurance matters and can help you with any California disability claim or insurance appeal. If your disability insurance claim was denied on the basis that you do not meet your insurance company’s definition of disabled call today for your free legal consultation.
You might think that simply being disabled entitles you to disability benefits, but most initial applications for disability insurance claims are denied. Even if your own doctor has determined that you are disabled, insurance companies will still look for ways to delay, or deny paying on claims.
“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.
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.
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.
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.
For the third year in a row team Donahue & Horrow, LLP participated in the Tour de Pier. This is the fourth annual event that brings stationary cycling to the gorgeous outdoors of Manhattan Beach. Cyclists may ride for the entire five hours or teams can switch off members to raise money for cancer charities.
All cases are taken on a contingency basis. We represent individuals disabled by back, neck and other injuries, medical conditions such as fibromyalgia, chronic fatigue syndrome, lupus, cancer, migraines, severe depression.
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.
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?
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.
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.
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.
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
Allstate faces 50 lawsuits, representing thousands of claims, involving accident victims who were deceived into signing waivers forfeiting their rights to hire an attorney. This aggressive practice by Allstate saved the company untold millions of dollars, but it also meant that accident victims received millions less than they were entitled to receive.
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!
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.
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.
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.
Computer and IT professionals are forced to sit for great lengths of time. In a profession that essentially requires an employee to sit and face a computer screen for weeks, months and years, these individuals put stress on parts of their bodies that can have devastating results. If you are a computer or IT professional, it is wise to have one of our experienced lawyer carefully examine your disability policy to ensure you are properly covered.