Your long-term disability insurance may deny your legitimate claim for benefits – we will help.

If you are prevented from working by a disability, you have a legitimate claim for benefits through your private disability insurer, your employer-sponsored disability policy, or a policy you have in connection with a credit card or travel organization. However, insurance companies make money by denying claims, not by paying them. If you are having trouble collecting benefits from your insurance company, contact an attorney at David Allen & Associates, our disability law firm.

Disability Insurance Law is complex, and insurers may hide behind a cloud of paperwork denying you long-term disability benefits for which you paid. Our attorneys focus on serving injured people and those who cannot work – we will help you with your initial disability claim, an appeal of a denial of benefits, or a continuing disability claim. If you were denied in error, either by mistake or by a failure to give you a fair hearing, you have a claim for Insurance Bad Faith.

• Disability Insurance Law requires the company to compensate you fully for twelve months – after that the company may try to demonstrate you no longer qualify for a claim, constantly requiring you to see their doctors or fill out questionnaires.
• You may be surprised to hear from your insurer that you are required to work at another occupation. It is very important that your original claim correctly describe your job title, occupation, skills, and experience so any work requirements accurately represent the insurer’s responsibility.
• If you qualify for Social Security Disability benefits the amount you receive from your policy may be reduced by the SSDI or SSI payments. However, if you have multiple private disability policies, you should be able to collect from all.

The law is on your side – as a result of a recent class-action one California long-term disability insurer was forced to re-evaluate thousands of claims!

For more information see our Personal Injury Information Center. Our lawyers also help clients with Social Security Disability and private or employer-sponsored long-term disability claims.

Nevada and California disability insurance law attorneys at David Allen & Associates are committed to helping people get the benefits they need to take care of themselves and their families. We help clients throughout California and Nevada from our offices in Sacramento, Stockton, and Reno.

We offer free consultations, and charge attorney fees only if we help you collect. We can help you and provide representation through e-mail, mail, the telephone, or in some cases, by visiting you at another location. You are always welcome at our office.