Can I Pursue A Bad Faith Claim Under Erisa?
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 […]
What Is the ERISA Appeals Process for a Long-Term Disability Insurance Claim Denial?
ERISA long-term disability insurance claims are denied for many different reasons. However, this does not mean the insurance company is right. If your ERISA claim has been denied, you have the right to appeal the insurance company’s decision. But, you should move quickly. ERISA plans only allow you 180 days to file a denied claim appeal. […]
Will the Coronavirus Outbreak Affect My Long Term Disability Benefits?
Collecting long term disability benefits is never easy. Yet, the recent coronavirus outbreak in San Francisco and across the country has made it even more challenging. Are you wondering what will happen to your benefits during this global pandemic? Are you concerned that you will not meet the insurance company’s deadlines? Are you worried you […]
How To Prove Insurance Bad Faith
Explained By Our Insurance Bad Faith Lawyers In San Francisco Insurance companies have an essential function in our society. We depend on insurance companies to reimburse us when we are sick or when we suffer property damage. When we pay our monthly premiums to insurance companies, we rightfully expect our policies will be there to […]
Attorney Katie Spielman Featured In The Mighty Article
The Article Discusses Issues Mental Health Practitioners Have With Health Insurance Companies Mental health problems affect millions of Americans across the country. Major depression, substance abuse disorders, mood disorders and psychosis are an everyday reality for many Americans and their families. Despite living in a country with advanced health care options, many people living with […]
ERISA Disability Insurance Appeals vs Private Disability Insurance Appeals
Our San Francisco ERISA Attorneys Explain the Differences Life after an illness or injury can be far more difficult. For some people, the prospect of working at a regular job is no longer possible. Some people may purchase disability insurance to cover a portion of their expenses should they become ill or seriously injured. In […]
Why Would A Disability Claim Be Denied?
There are many reasons why an insurance company could deny your disability claim. The most common reason is that you lack sufficient medical evidence proving your disability. Other common reasons for denying a disability claim include: Improperly completed claim forms Failure to comply with an independent medical examination Being uncooperative during the application process Not […]
So You Thought You Had Disability Insurance
Millions of disability insurance policies were sold to psychiatrists, surgeons, and other medical professionals during the 1980s and 1990s. At that time, interest rates were high, and insurance companies were guaranteed high returns on the billions of premium dollars these contracts generated. Now that interest rates have plummeted, some insurers are looking for what one […]
Important Facts About Filing An Erisa Claim For Disability
Explained By Our San Francisco ERISA Attorneys Do you receive disability insurance benefits from your employer? If so, then the Employee Retirement Income Security Act of 1974 (ERISA) likely governs your policy. Unfortunately, ERISA law often benefits the insurance company. Thus, it is important to file your ERISA long term disability (LTD) claim correctly from the start. […]
What Do I Do If My Insurance Company Commits Bad Faith?
As experienced San Francisco insurance lawyers, this is one of the most common questions we hear. What can you do if your insurance company commits bad faith? Below, we discuss five important steps to take if you believe your insurance company has committed bad faith against you. 5 Steps to Take After Your Insurance Company […]