California Long-Term Disability Lawyers of Kantor & Kantor
Practice Areas and Legal Definitions

California Long-Term Disability Insurance Claims:

People unable to continue working because of a disability may be entitled to Workers’ Compensation Benefits, Social Security Disability Benefits, or State Disability Benefits. These are all programs administered and funded by state and federal governmental agencies.

Apart from these types of coverage, however, some people are eligible for long-term disability benefits under a private disability policy. Anyone can purchase such a policy as an individual, or under a group policy made available by some club or other organization to which they belong. The most common type of long-term disability coverage is under a group policy provided by an employer for its employees. The premiums on this type of policy are usually paid by the employer, although an employee contribution is sometimes required. It is a good idea to find out what disability coverage, if any, is provided by an employer.

Generally speaking, group disability policies are regulated by the federal Employee Retirement Income Security Act (ERISA), while private policies are not. This can affect the nature of remedies that may be available to you if a coverage dispute should arise.

California Health Insurance Claims:

This type of claim usually arises under a group hospitalization plan provided by an employer as part of a compensation and benefits package, but difficulties occasionally arise under a private health insurance policy. Many group policies are governed by ERISA, as discussed above, but some of them and all private health insurance policies are governed by California Contract Law and California Insurance Law.

California Long-Term Care Insurance Claims:

Long term care insurance is designed to pay, or at least offset the substantial costs involved in providing for home health care in the event of disability or infirmity, or to pay for an extended stay in an assisted living or residential care facility. The last thing a person or family needs in a time of crisis like this is to learn that their long term care insurance claim has been denied. The California attorneys of Kantor & Kantor have a broad range of experience in handling long-term care insurance claims. Call 1-866-435-3722 to arrange for a free initial consultation.

California Insurance Bad Faith Claims:

California law imposes a legal obligation on insurance carriers to deal fairly and in good faith with policyholders and other claimants. People often see things differently, and sometimes both of them are right. Not every denial of a claim involves bad faith on the part of the carrier. After examining all of the facts of the case, including written correspondence and other records, the Court may find that a given result is so unreasonable that it is the result of bad faith. When this happens, the Court has the power to award punitive damages, which can involve very large sums of money depending on the circumstances.

If you or someone you know in Los Angeles, California or within the surrounding cities and counties of California needs the assistance or trusted legal advice of an experienced long-term disability attorney, please contact Kantor & Kantor today at 1-866-435-3722, or complete the contact form provided on this site to begin your free consultation.