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Nationwide Leaders In Healthcare, ERISA, & Disability

Championing Policy Holders' Rights Across California, & The United States

Are You Facing Healthcare, ERISA, Long-term Care, or Disability Claim Denials? At DL Law Group, we understand the challenges you face when dealing with insurance companies. Our mission is simple yet crucial: to help policyholders like you navigate the complex world of insurance claims. We specialize in ERISA, disability, long-term care, life insurance, and health insurance claims.

Get A Free Consultation

Nationwide Leaders In Disability, Healthcare, ERISA, Long-Term Care

Championing Policy Holders' Rights Across California, & The United States

Are You Facing Healthcare, ERISA, Long-term Care, or Disability Claim Denials? At DL Law Group, we understand the challenges you face when dealing with insurance companies. Our mission is simple yet crucial: to help policyholders like you navigate the complex world of insurance claims. We specialize in ERISA, disability, long-term care, life insurance, and health insurance claims.

Get A Free Consultation

Nationwide Leaders In Healthcare, ERISA, & Disability

Championing Policy Holders' Rights Across California, & The United States

Are You Facing Healthcare, ERISA, Long-term Care, or Disability Claim Denials? At DL Law Group, we understand the challenges you face when dealing with insurance companies. Our mission is simple yet crucial: to help policyholders like you navigate the complex world of insurance claims. We specialize in ERISA, disability, long-term care, life insurance, and health insurance claims.

Get A Free Consultation

WHILE WE GENUINELY WISH WE COULD HELP EVERYONE, WE NO LONGER litigate AUTO INSURANCE disputes

WHILE WE GENUINELY WISH WE COULD HELP EVERYONE, WE NO LONGER litigate AUTO INSURANCE disputes

EMAIL US NOW

Kindly email us a brief summary of your insurance dispute for our attorneys to assess and assist you effectively in seeking a resolution. You can typically expect a response within 24 hours.

EMAIL US NOW

Kindly email us a brief summary of your insurance dispute for our attorneys to assess and assist you effectively in seeking a resolution. You can typically expect a response within 24 hours.

Are You Dealing With Insurance Claim Denials?

You're not alone. Insurance companies often deny or delay legitimate claims, leaving policyholders frustrated and overwhelmed. That's where we come in. With over 30 years of combined legal experience, our dedicated attorneys have a proven track record of standing up to insurance giants and securing tens of millions of dollars in verdicts, settlements, and claims paid on behalf of our clients.

Are You Dealing With Insurance Claim Denials?

You're not alone. Insurance companies often deny or delay legitimate claims, leaving policyholders frustrated and overwhelmed. That's where we come in. With over 30 years of combined legal experience, our dedicated attorneys have a proven track record of standing up to insurance giants and securing tens of millions of dollars in verdicts, settlements, and claims paid on behalf of our clients.

Are You Dealing With Insurance Claim Denials?

You're not alone. Insurance companies often deny or delay legitimate claims, leaving policyholders frustrated and overwhelmed. That's where we come in. With over 30 years of combined legal experience, our dedicated attorneys have a proven track record of standing up to insurance giants and securing tens of millions of dollars in verdicts, settlements, and claims paid on behalf of our clients.

YOUR TRUSTED ADVOCATES

Why Choose DL Law Group?

EXPERIENCE MAKES THE DIFFERENCE

With over 3 decades of experience, we have the knowledge and expertise to handle even the most complicated cases.

TENS OF MILLIONS RECOVERED

We're committed to winning for you, and our track record speaks volumes.

PERSONALIZED SERVICE FOR CLIENTS

You're not just a number to us; your case matters deeply, and we take it personally.

EXPERIENCE MAKES THE DIFFERENCE

With over 3 decades of experience, we have the knowledge and expertise to handle even the most complicated cases.

TENS OF MILLIONS RECOVERED

We're committed to winning for you, and our track record speaks volumes.

PERSONALIZED SERVICE FOR CLIENTS

You're not just a number to us; your case matters deeply, and we take it personally.

RESULTS THAT SPEAK VOLUMES

Our commitment to winning for you shines through our impressive track record.

RESPECTED IN THE COMMUNITY

We've built a strong reputation for ourselves, and were here to stay.

WE OFFER A BOUTIQUE EXPERIENCE

As a small firm, we provide a personalized, unique experience for every client.

RESULTS THAT SPEAK VOLUMES

Our commitment to winning for you shines through our impressive track record.

RESPECTED IN THE COMMUNITY

We've built a strong reputation for ourselves, and were here to stay.

WE OFFER A BOUTIQUE EXPERIENCE

As a small firm, we provide a personalized, unique experience for every client.

EXPLORE OUR PRACTICE AREAS

Our Expertise

Disability Law

If you suffer from a disabling condition such as cancer, fibromyalgia, CFS, or depression, you have the right to expect your disability insurance policy to provide financial protection for you and your family. However, insurance companies regularly deny legitimate claims. Insurer investigations are all too often inadequate and lead to unreasonable and bad faith disability claim denials.

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Disability Law

If you suffer from a disabling condition such as cancer, fibromyalgia, CFS, or depression, you have the right to expect your disability insurance policy to provide financial protection for you and your family. However, insurance companies regularly deny legitimate claims. Insurer investigations are all too often inadequate and lead to unreasonable and bad faith disability claim denials.

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Long-Term Care Insurance

Long-term care insurance policies have been heavily marketed since the 1990’s. While these policies promise to pay for the care of those who are no longer able to perform the activities of daily living, they do not necessarily deliver results. An increasing number of aging policyholders are submitting long-term care claims only to discover the policies they have been paying on for years do not cover the care they require.

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Long-Term Care Insurance

Long-term care insurance policies have been heavily marketed since the 1990’s. While these policies promise to pay for the care of those who are no longer able to perform the activities of daily living, they do not necessarily deliver results. An increasing number of aging policyholders are submitting long-term care claims only to discover the policies they have been paying on for years do not cover the care they require.

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Life Insurance

People buy life insurance to protect and provide for their loved ones in the event that they are not able to do so themselves. Essentially, this type of insurance covers the economic loss caused by the death of the insured and may pay for things such as funeral expenses, mortgages, and college tuition. When grieving the death of someone you love, the last thing you need is to see your life insurance claim unfairly denied or delayed.

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Life Insurance

People buy life insurance to protect and provide for their loved ones in the event that they are not able to do so themselves. Essentially, this type of insurance covers the economic loss caused by the death of the insured and may pay for things such as funeral expenses, mortgages, and college tuition. When grieving the death of someone you love, the last thing you need is to see your life insurance claim unfairly denied or delayed.

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Health Insurance Law

If you are engaged in a health care or HMO coverage dispute or feel your claim was unfairly denied, the insurance attorneys at DL Law Group are here for you. Our lawyers have 30 years of collective legal experience fighting for the rights of sick people who need the insurance coverage for which they have already paid, either independently or through ERISA-governed plans. We are not afraid to take on the largest and most litigious insurance companies in the nation and have recovered tens of millions of dollars for our clients.

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Health Insurance Law

If you are engaged in a health care or HMO coverage dispute or feel your claim was unfairly denied, the insurance attorneys at DL Law Group are here for you. Our lawyers have 30 years of collective legal experience fighting for the rights of sick people who need the insurance coverage for which they have already paid, either independently or through ERISA-governed plans. We are not afraid to take on the largest and most litigious insurance companies in the nation and have recovered tens of millions of dollars for our clients.

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Meet Our Dedicated Team


YOUR PARTNERS IN JUSTICE

DAVID M. LILIENSTEIN

Founding Attorney

David M. Lilienstein, the founder of our firm, has extensive experience in assisting policyholders with bad faith insurance claims and ERISA actions. As a tribute to his experience and skill, he has achieved Advocate status from the National College... Read Full Bio

KATIE J. SPIELMAN

Attorney

Katie Spielman represents people with disabilities, workers, and insurance consumers when their benefits are improperly terminated or denied. Ms. Spielman is committed to advancing the rights and interests of people with disabilities, and to... Read Full Bio

ALICE J. WOLFSON

Of Counsel

Alice J. Wolfson has a proven record of success in bad faith insurance cases, with an emphasis on individual disability insurance policies. In the landmark case of Hangarter v. Provident (UnumProvident), which has become one of the... Read Full Bio

DAVID M. LILIENSTEIN

Founding Attorney

David M. Lilienstein, the founder of our firm, has extensive experience in assisting policyholders with bad faith insurance claims and ERISA actions. As a tribute to his experience and skill, he has achieved Advocate status from the National College... Read Full Bio

KATIE J. SPIELMAN

Attorney

Katie Spielman represents people with disabilities, workers, and insurance consumers when their benefits are improperly terminated or denied. Ms. Spielman is committed to advancing the rights and interests of people with disabilities, and to... Read Full Bio

ALICE J. WOLFSON

Of Counsel

Alice J. Wolfson has a proven record of success in bad faith insurance cases, with an emphasis on individual disability insurance policies. In the landmark case of Hangarter v. Provident (UnumProvident), which has become one of the... Read Full Bio

Protecting Your Rights

At DL Law Group, we are passionate about protecting your rights. Whether it's a mental health claim, a dispute over bad faith practices, or any other insurance issue, we're here to help. We offer free case consultations, and our attorneys are available to meet at your convenience. Our office locations in San Francisco and San Jose make it easy to reach us.

DAVID M. LILIENSTEIN

Founding Attorney

David M. Lilienstein, the founder of our firm, has extensive experience in assisting policyholders with bad faith insurance claims and ERISA actions. As a tribute to his experience and skill, he has achieved Advocate status from the National College... Read Full Bio

KATIE J. SPIELMAN

Attorney

Katie Spielman represents people with disabilities, workers, and insurance consumers when their benefits are improperly terminated or denied. Ms. Spielman is committed to advancing the rights and interests of people with disabilities, and to... Read Full Bio

ALICE J. WOLFSON

Of Counsel

Alice J. Wolfson has a proven record of success in bad faith insurance cases, with an emphasis on individual disability insurance policies. In the landmark case of Hangarter v. Provident (UnumProvident), which has become one of the... Read Full Bio

Protecting Your Rights

At DL Law Group, we are passionate about protecting your rights. Whether it's a mental health claim, a dispute over bad faith practices, or any other insurance issue, we're here to help. We offer free case consultations, and our attorneys are available to meet at your convenience. Our office locations in San Francisco and San Jose make it easy to reach us.

We Help With Insurance Bad Faith Claims For Mental Health Services

At DL Law Group, we are passionate about protecting your rights. Health insurance companies are legally obligated to follow the terms outlined in your policy. If your insurance provider wrongly refused coverage for a mental health care claim, then we may be able to help.

Stay Informed

If an insurance company has wrongfully delayed or denied a claim, offered an insufficient settlement amount, dropped your coverage without reason, or acted in any other improper manner, we welcome the opportunity to answer your questions and discuss your legal options.

READ ABOUT OUR FIRM

Contact Us Today

We provide free case consultations, and our attorneys are available to meet at a time that is convenient for you. Our San Francisco office is just blocks from the courthouses, and we also operate out of the San Jose area.


Because our firm handles insurance law cases on a contingency fee basis, you pay no out-of-pocket expenses. We only get paid when we get results for you.

GET A FREE CONSULTATION

We Help With Insurance Bad Faith Claims For Mental Health Services

At DL Law Group, we are passionate about protecting your rights. Health insurance companies are legally obligated to follow the terms outlined in your policy. If your insurance provider wrongly refused coverage for a mental health care claim, then we may be able to help.

Stay Informed

If an insurance company has wrongfully delayed or denied a claim, offered an insufficient settlement amount, dropped your coverage without reason, or acted in any other improper manner, we welcome the opportunity to answer your questions and discuss your legal options.

READ ABOUT OUR FIRM

Contact Us Today

We provide free case consultations, and our attorneys are available to meet at a time that is convenient for you. Our San Francisco office is just blocks from the courthouses, and we also operate out of the San Jose area.


Because our firm handles insurance law cases on a contingency fee basis, you pay no out-of-pocket expenses. We only get paid when we get results for you.

GET A FREE CONSULTATION

Hear What Our Clients Have To Say

We Care Deeply About Your Case

“David is so committed to working for and achieving successful outcomes for his clients. I could not recommend them highly enough and feel very lucky to have found them.”

- Shelia H.

“I cannot imagine having had a better experience with an attorney than working with David and his staff from DL Law Group. They were not only professional and responsive, but highly competent.”

- Gisella C.

“I was extremely impressed with the quality of service, follow-through, knowledge, skill, and approach."

- Joshua D.

Read Our Latest Blog Posts

SEE TIPS, UPDATES, & NEWS FROM OUR FIRM
By DL Law Group 15 Jan, 2022
ERISA stands for the Employee Retirement Income Security Act of 1974. It is a piece of federal legislation that governs employer-provided benefit plans. It sets up minimum standards that employers must adhere to when they offer their employees benefits. These standards include: Informing employees of their benefits packages Requiring that insurance providers and administrators follow strict policies for managing employee benefits Employees may receive legal recourse through federal court
By DL Law Group 06 Dec, 2021
Discovery is tedious, monotonous, boring, repetitive, time consuming and unexciting. Nevertheless, most victories at trial or good settlements depend on the quality of the discovery that takes place before. Plaintiffs’ firms are usually much smaller and have fewer resources than defense firms. Therefore, from a plaintiff’s perspective, much discovery is defensive-fending off the massive discovery requests. Plaintiff’s, however, are increasingly using discovery in a cost-effective and offensive manner.  For example, let’s say you file multiple claims in different cases or jurisdictions against the same corporate defendant. These often involve essentially the same or similar allegations. Thus, it makes little sense to depose the same witnesses over and over again. Likewise, where internal company documents are an important part of the litigation, it makes no sense to have to separately depose the custodian of records repeatedly in order to establish authenticity. In addition, many businesses face mergers and acquisitions. Unfortunately, this means litigants increasingly find that the company they thought they were suing has been acquired, merged with or sold to another entity. Often key officers and managers that were part of company number one, continue in their role with companies two or three. Attorneys may try to hide the ball on this issue. This is especially true if they are aware that a predecessor corporation or individual managing agents may have previously made damaging admissions.
By DL Law Group 26 Oct, 2021
Insurance benefits operate as a contract between the policyholder and the insurance company. The policyholder pays premiums over time in exchange for coverage later if needed. This contractual understanding leaves many individuals shocked when their claims later get denied . Insurance companies must weed out invalid claims to protect the insurance pool. However, they may also engage in bad faith tactics to intentionally deny valid claims. In this situation, the policyholder may file a bad faith lawsuit for damages . This option is only available to people with certain types of policies. Below, our insurance lawyers in San Francisco explain bad faith claims under ERISA. Individual Insurance Policies vs. Group Plans The type of insurance plan you have directly affects your options for disputing a bad faith denial. You should determine whether your plan is an individual policy or a group plan. An individual insurance plan is not purchased through a group or employer. Typically, individuals purchase individual policies if they are contract workers, self-employed or desire supplemental benefits. Individual insurance plans are subject to state laws, including laws about bad faith practices. Plans purchased through a group or employer , however, are subject to a federal law called ERISA. Within this law is a provision about preemption. Essentially, ERISA pre-empts, or trumps, any state laws about the benefit plan. This means that plans subject to ERISA do not play by the same rules as individual plans when it comes to bad faith claims. Can I File a Bad Faith Claim Under ERISA? While ERISA was initially designed to protect certain workers’ benefits, the law does not protect policyholders against bad faith. In other words, you cannot file a bad faith claim under ERISA. If ERISA governs your policy, then your options for overturning a denied claim differ in significant ways. Further, recoverable damages are significantly limited. ERISA damages only include the amount owed under the insurance contract, and sometimes attorney’s fees. An insurance company is not punished for getting caught denying a group policy claim in bad faith. They must pay out what they should have paid out originally. Can I File a Bad Faith Claim Under an Individual Policy? State laws cover individual policy claims for a breach in contract. This means states can hold insurance companies accountable for engaging in bad faith practices in regard to a contract. Damages awarded in these cases may include: Punitive damages Attorney’s fees Awards for other costs Prejudgment interest Secure Your Insurance Benefits With Help From a San Francisco ERISA Attorney While pursuing a bad faith claim under ERISA is not possible, you still have options . Your best bet for overturning a denied claim is to work closely with an experienced ERISA attorney. After a denied claim, your next step is to appeal the decision, but the appeals process is also subject to ERISA. The appeals process is your very last chance to submit new evidence for your claim. If your appeal fails, then you can sue the insurance company, but your suit cannot introduce new evidence. For this reason, you will want an experienced San Francisco ERISA attorney on your side. Schedule a free consultation with us to learn more about DL Law Group’s legal services. You can contact us by phone at (888) 910-3980 or through our online messaging porta l .
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