Disability Insurance Lawyers in Los Angeles | ERISA Claims Litigation
Los Angeles Disability Insurance Claims Attorneys
Disability insurance is designed to provide you with a source of income replacement if, because of an accident, sickness or disability, you are unable to continue working. There are several types of disability insurance that are governed by different laws. Long-term disability and short-term disability insurance policies are typically purchased individually or through employers, and include occupation-specific, credit card, mortgage, business overhead and key-man disability insurance. Polices purchased directly from the insurance company are typically governed by state laws. Most of the policies issued through employers are governed by ERISA.
You are not helpless if an insurance company denies your disability claim. In many cases, what may seem like a proper denial, is improper under the law. If an insurance company denies your claim under an individual policy, you may sue for policy benefits due under the policy, “consequential damages” that are caused by a company’s bad faith conduct, emotional distress, punitive damages, attorneys’ fees and interest on past-due benefits (typically at the legal rate of 10%). If an insurance company denies your claim under an ERISA policy, you can sue for past-due policy benefits, attorneys’ fees and interest due on the unpaid benefits. Also, under an ERISA policy, if you prevail, you will typically be placed back on claim.
We have over 25 years of experience litigating hundreds of disability insurance cases. Our attorneys are nationally recognized experts in disability litigation and have chaired numerous seminars and written numerous articles dealing with disability claim litigation and bad faith claim issues. In fact, the attorneys of the McKennon Law Group previously represented disability insurance companies that denied such claims and thus have the broadest possible experience in litigating these types of insurance disputes. There are no other attorneys in California better suited to litigate your disability insurance and bad faith claim disputes and we will aggressively litigate your case to achieve maximum success.
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