Unfortunately, life insurance policies can be denied for a handful of reasons. One reason is that insurance companies will claim that the policyholder let the insurance coverage lapse, and they didn’t pay for it. Generally, insurers must notify the policyholder (and a designee, if specified) of an upcoming lapse and offer a 60-day grace period. If the insurer failed to provide adequate notice, the lapse may be improper, and a denial issued on this basis must be overturned.

Insurance companies are required to look out for policyholders’ best interests. They are required to always operate honestly and to never do anything untrustworthy that could put a policyholder in a bad position. However, this unfortunately isn’t always the case. “Bad faith” is a term that generally describes dishonest dealing. Depending on the exact setting, bad faith may mean a dishonest belief or purpose, untrustworthy performance of duties, neglect of fair dealing standards, or a fraudulent intent. If your insurance company wrongfully denied your insurance claim and we found to be operating in bad faith, you have the right to hire a lawyer and hold them accountable.

You, of course, can try to appeal a denied claim and resubmit a stronger claim on your own, but without the help of an experienced insurance attorney, this process is daunting, overwhelming and difficult.

How Does A Lawyer Help If My Life Insurance Claim Was Denied?

First and foremost, if your insurance company has acted in bad faith, you can bring a lawsuit for your policy benefits owed, plus emotional distress damages, consequential damages, attorneys’ fees, pre-judgment interest and punitive damages. If your life insurance claim was denied for seemingly no reason, bad faith may be at play. Your lawyer will know the next steps to take to hold the insurer accountable.

But, if your life insurance claim was denied and you don’t know why, a California life insurance lawyer can retrace your steps and identify what part of your claim needs to be stronger in order to have it approved. Your life insurance attorney will help you contact your insurer, find out why your claim was denied, help you file an appeal to the decision, and ultimately help you resubmit a stronger claim.

What Is The Process Of Appealing A Decision And Submitting A Stronger Life Insurance Claim?

With the help of a lawyer, the process of appealing a negative decision and re-filing a stronger insurance claim is simple. Your lawyer will help you by:

Contacting the insurance company. Your lawyer will request a letter that explains in detail why the claim was denied. The letter will include details of your policy, your claim, and specific reasons why you’re not entitled to the money you need. Your lawyer will also seek, compile, and examine all of the supporting documentation that the insurer used to make their decision.
Reviewing the life insurance policy. Your lawyer will compare the language in your policy to the language used in the letter that formally denied your claim. Your lawyer will use their expertise to determine if the insurance company’s decision makes sense. These policies are often confusing, and often contain many conditions and exceptions. This is why it’s helpful to work with a lawyer – they will help you better understand the conditions laid out in the policy.
Preparing the appeal. Most insurers have an appeal process that’s handled internally. Your lawyer will prepare documentation, such as medical records, that strengthens your claim and demonstrates precisely why you should be entitled to the life insurance claim.
Submitting the appeal. Once a much stronger appeal has been created, your lawyer will ensure it’s submitted on time to your insurance company.

Schedule A Free, No-Obligation Consultation With McKennon Law Group PC If Your Life Insurance Claim Was Denied

If your life insurance claim was denied, there could be a long road ahead of you. Battling with insurance companies is never an easy process, and insurance companies are notorious for making the process as long and daunting as possible. Many people try to take on the appeals process on their own, but it’s never worth the headache. The most effective way to appeal a denied life insurance claim and resubmit a stronger claim is to do so with the help of an insurance attorney by your side.

At McKennon Law Group PC, we offer a free, no-obligation phone consultation to anyone who’s currently in this position. McKennon Law Group PC has law offices throughout California, allowing us to serve you anywhere in the state, including the metropolitan areas of Los Angeles, Orange County, San Diego, San Francisco and the Central Valley. Our lawyers also represent insured policyholders nationwide, and are skilled in negotiating denied insurance claims.

It’s important to be aware of personal property and loss of use as they are laid out in California state law. If you ever lose your home due to a natural disaster, you’ll need to understand how the claims process works so you can ensure you receive the insurance payout that you deserve. Insurance companies are notorious for attempting to pay out less than victims deserve, so familiarizing yourself with the details will be helpful should you ever find yourself in this situation.

What is Considered Personal Property On A Homeowners Insurance Policy?

Personal property refers to mostly just about anything you possess. Animals, credit cards, your car, and other property insured outside of your homeowners’ policy will not be covered should you lose your home to a natural disaster.

Under Coverage C or your homeowners policy, your amount of coverage is limited by the dollar amount listed here. This amount is typically a percentage of the amount of coverage listed for your home under Coverage A.

How Is Damage To Personal Property Calculated?

If your personal property is destroyed in a natural disaster, you are entitled to the actual case value of the personal property that is, in fact, covered under your homeowner’s insurance policy. In the state of California, state courts generally understand that this refers to fair market value. If your home was destroyed, the damages will then be calculated in accordance to what your home would be valued at in the present real estate market.

If a natural disaster occurred and your home was not entirely destroyed by the events, you as the homeowner are entitled to the estimated cost for repairing or replacing the damaged personal property. This information is broken down in California Insurance Code section 2051(b).

The value of your personal property will be adjusted by your insurance company for depreciation. Depreciation adjustments will show a difference based upon the age and working condition of the property that was damaged.

If your homeowner’s insurance policy includes replacement cost coverage, you will be reimbursed for what it would cost to purchase the damaged personal property if it were all new in the current market. With replacement cost coverage, in other words, there is no deduction to account for value depreciation over the years.

What Is Loss Of Use?

When your home becomes uninhabitable following destruction from a natural disaster, it loses its use. Loss of Use refers to the reasonable and necessary uptick in living expenses you incurred while your home was uninhabitable. This information is available under Coverage D of your homeowners insurance policy.

You can only leverage the Loss of Use policy for as long as your home is truly unable to be inhabited. Some homeowners insurance carriers specifically lay out what they consider to be uninhabitable in your policy, but not all do, which leaves the conditions up for interpretation. Generally speaking, if the basic functions of habitable shelter aren’t available, such as cooking and bathing, or the space is unsafe, your house is considered uninhabitable by your insurance company. The length of time it takes to rebuild or repair damage after the natural disaster is not included under Loss of Use.

Sometimes, insurance companies attempt to pay out far less than innocent victims deserve when they lose their house due to natural disasters. Some insurers will argue that the house was inhabitable when it truly wasn’t, and will subsequently pay you less than you deserve. This is referred to as operating in bad faith. If your insurance company has acted in bad faith, you can sue for the benefits owed to you.

Why Do I Need A Lawyer If I’ve Lost My Home In A Natural Disaster?

With over 70 years of experience, the McKennon Law Group has specialized in long-term disability and short-term disability insurance, life insurance, health insurance, accidental death insurance, and long-term care claims, as well as all types of ERISA litigation claims involving employee benefits, including group insurance claims, pension claims and severance claims.

If you or a loved one has lost their home in a natural disaster, you need the help of skilled litigators who have extensive experience dealing with insurance companies in these catastrophic situations. WIthout a knowledgeable attorney by your side, you run the risk of receiving far less insurance money than you deserve. Insurance companies are notorious for trying to pay out the least possible amount of money in their claims and, without an attorney, you may be stuck settling for less than you really need.

Let’s say, for example, you’ve been in an accident in California. Your car insurance company may help you pay your medical bills in your time of need if you don’t have health insurance. The only problem is that they are entitled to ask for this money back once you’ve received your lawsuit settlement. With the help of a lawyer who understands the Made Whole Doctrine, you may be able to hold onto that settlement money.

California state law upholds the Made Whole Doctrine. This doctrine states that the insured individual must be “made whole” before their insurance company can take money. This doctrine prevents the insurer from requiring payments from the person who injured you or damaged your belongings unless you have been adequately compensated.

Examples of this doctrine in effect include Sapiano v. Williamsburg Ins. Co., (1994) 28 CA 4th 533, 538 and Progressive West Ins. Co. v. Yolo County Superior Court, (2005) 135 CA 4th 263, 273.

In order to better understand the Made Whole Doctrine, it’s important to get a basic understanding of California’s subrogation laws.

What Are California’s Subrogation Laws?

Because insurance companies have their own set of reimbursement (subrogation) rights, California state law permits that an insurer can be reimbursed for money they pay out on behalf of a policyholder.

Subrogation occurs when the insurer pays out money on the insured behalf. In order to get that money back, the insurer will seek to have their money reimbursed by either the insured policyholder or the insurance company of the at-fault party who caused the damages in the first place.

For example, if you were injured in a motor vehicle accident but don’t have health insurance, you likely will need extensive medical care. Your emergency room bill and medical treatment bill will be given to your car insurer. The insurer will be for these damages. When you contact an attorney to hold the negligent party accountable, you may receive a settlement from the personal injury lawsuit. Your insurance company will then demand that you repay the emergency room bill and medical treatment bill, now that you’ve received a sum of money.

Under California state subrogation law, it’s lawful for an insurance company to seek to recoup the money they demanded. When this happens, your lawyer will apply the Made Whole Doctrine.

Your attorney will defend you before a judge, stating that your insurance company is not entitled to the money they’re asking for back, because you have not yet been “made whole”. For example, your attorney will attest that settlement from the car accident did not settle the cost of your future medical care.

Why Should I Work With A Lawyer If I’ve Been Involved In An Accident In California?

Most California residents know that a lawyer can help defend them before a judge by proving the negligence of the at-fault party after an accident. But many residents fail to realize that even after the case is settled, the work isn’t always done. Hire a lawyer to apply the Made Whole Doctrine to your personal injury claim to ensure you can keep all of the money you’re rightfully entitled to.

When you need an attorney to aggressively fight your insurance company, choosing the right law firm is the most important decision you will make. At McKennon Law Group PC, we understand how important it is to keep the money you’ve earned from your settlement in your pocket. We have extensive experience standing up against insurance companies, and will stop at nothing to get what you deserve.

With over 70 years of experience, McKennon Law Group PC has specialized in long-term disability and short-term disability insurance, life insurance, health insurance, accidental death insurance, and long-term care claims, as well as all types of ERISA litigation claims involving employee benefits, including group insurance claims, pension claims and severance claims.

Schedule A Free, No-Obligation Consultation With McKennon Law Group PC

If you’ve suffered an accident of any kind in California, you likely have medical bills to pay. Insurance companies are notorious for trying to shell out the least amount of money to injured victims. In some cases, your car insurance company will provide you with the help you need to pay medical bills if you don’t have health insurance, but they do have every right to ask for that money back.

If you find yourself in a situation where an insurance company is trying to take a portion of your personal injury lawsuit settlement, contact an attorney right away. At McKennon Law Group PC, we offer a free, no-risk consultation to anyone in this situation. Your initial case evaluation is free of charge and comes at no obligation to you.

What Is ERISA?

Were your ERISA disability benefits denied in California? An attorney can help.

Most of the life, health and disability policies issued through employers in the United States are governed by the Employee Retirement Income Security Act of 1974 (“ERISA”), a federal statute that protects employee benefits by imposing minimum standards on employers/‌ERISA administrators.

ERISA requires plans to provide participants with plan information including important information about plan features and funding; provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to get benefits from their plans; and gives participants the right to sue for benefits and breaches of fiduciary duty.

ERISA involves a complex area of law that can be difficult for many people to understand. For that reason, some employers and insurance companies take advantage of disabled workers and improperly deny their claims. If you are interested in receiving ERISA benefits but aren’t sure if you’re eligible, or filed for ERISA benefits and your claim was wrongfully denied, a California ERISA attorney can help you.

Who Is Eligible For ERISA Benefits?

Those who are approved for social security benefits or private benefits may be rejected under ERISA. Not all candidates are eligible, and the full list of eligibility requirements is exhaustive.

ERISA applies to private-sector companies that offer pension plans to employees. Regardless of how your employer has structured his or her business (limited liability corporation, S-corporation, C-corporation, or other) it is covered by ERISA as long as it is a private entity. ERISA was enacted to ensure that the benefits an employee has been promised, that are part of their retirement or severance package, are provided as they were originally intended to be.

Why Was My ERISA Disability Claim Denied?

Many people believe they are eligible for ERISA benefits, but are still denied. It can be difficult to understand without the insight of a lawyer. Disability claims that would ordinarily be approved under private disability or social security disability are often rejected in the ERISA system. The following list are common reasons why claimants have been denied ERISA benefits:

Failure to provide medical documentation or evidence that proves your disability
Incomplete information or errors in the claim information
Failure to meet filing deadlines
Pre-existing medical conditions
Self-reported symptoms (not properly documented with medical professionals)
Out of scope treatment (medical care not authorized or out of protocol)
Contradicting evidence from social media or private investigators
Employability in a different occupation
Specific exclusions from your individual policy

These are still more reasons why an ERISA disability claim can be denied in California. This process can be exhaustive, and can be a lot for an individual to handle without the help of a qualified attorney. If your ERISA claim was denied in California, waste no time and contact a lawyer as soon as you can.

Can I Appeal A Denied ERISA Claim?

Was your ERISA disability claim denied in California? There’s still hope. One of the most helpful aspects of working with an ERISA attorney is that they can help you appeal your wrongfully denied claim and resubmit a stronger application. If you believe that your ERISA disability claim was wrongfully denied, an attorney will advise you whether or not appealing the decision is the right course of action to take, depending on the specifics of your situation.

If your attorney advises that you submit an appeal, they will walk you through this process and ensure that every important deadline is met. Your attorney will then help you strengthen your claim. This is often done by fixing any errors, adding any supporting documentation such as medical information, and will make sure all fields are complete with the strongest information possible to prove your right to these benefits.

ERISA involves mandatory administrative appeals and strict deadlines, so it is imperative that you know your rights and swiftly hire an ERISA attorney. If you do not follow the proper appeal procedures, you could lose your right to sue your employer and/or the insurance company that administers the claim.

Schedule A Free Consultation With An ERISA Lawyer If Your Disability Claim Was Denied

If you or a loved one have become disabled, getting the benefits you deserve is crucial. Contact McKennon Law Group PC with any initial questions you have about ERISA benefits, even if you’ve been denied.

We offer an initial consultation for any California resident in need of guidance regarding ERISA disability claims. Your initial case evaluation with McKennon Law Group PC is free of charge, and comes at no risk or obligation to you.

Have you lost your job while on long term disability benefits? When a worker in California becomes injured, they can file a claim with their insurance company, and, after a potentially lengthy process, the insurance company may start to pay long term disability or accidental death and dismemberment benefits.

California residents who receive long term disability benefits receive them through their employers or external policies they have purchased. Obtaining long term disability benefits is a process that falls under workers’ compensation benefits. Workers’ compensation laws protect those who have become injured or disabled while working at their jobs.

Under many disability plans, you can receive benefits until you retire as long as you are still disabled and then able to work. Since many California residents receive their long term disability benefits through their employer, what happens when they lose their jobs? If an insurance company is responsible for providing your long term disability payments, termination of employment won’t necessarily stop your payments. It’s rare, but it is possible. In many cases, a disabled individual will continue to be given long term disability benefits if they are employed or not.

If you find yourself in this dire situation, you can still file for long term disability benefits with the help of a California lawyer. Maintaining these benefits are important to future, health, and wellbeing, so it’s important that you take the first step and contact a lawyer if you lose your benefits due to termination.

What Causes Someone To Lose Long Term Benefits?

There are many ways in which an individual can lose long term benefits. One factor to consider is that you must continue to get medical care for your disability condition as you receive benefits. If you fail to make your doctor’s appointments, you may lose your long term disability benefits. If you lose your health insurance, it may become increasingly difficult to get the medical care you need. When this happens, some people fail to get new health insurance, causing them to skip doctor’s appointments and diagnostic tests, causing them to lose their benefits.

How Can A California Lawyer Help With Long Term Disability Benefits?

You still may be eligible to apply for long term disability benefits even after you lose your job. If you are unsure of your eligibility status, you should consult with a lawyer as soon as possible, tell them the details of your employment, and listen to their legal advice.

Your lawyer will help you in a multitude of ways. Many California residents don’t know that the onset date of your disability is more important than the date that you stopped working at a certain job. For example, if you were injured on the job and ceased employment a year later, you may be still eligible for disability benefits because the injury occurred before your employment ended. Your lawyer will help source, compile, and assess certain important documentation that proves that your injury date and termination date occurred at different times. Evidence that proves that you became disabled while still under active employment will be crucial for securing your long term disability benefits in the future.

In the unfortunate event that your long term disability benefits are wrongfully denied, your lawyer can help you file and submit an appeal to this decision as well. For example, when an insurer terminates benefits without signs of the insured’s improvement, there are often other improprieties that, when viewed as a whole, will compel a court to reverse a termination of benefits. This is why it is important to work with a lawyer who understands nuances of the law such as these.

Having an attorney present during all of these proceedings is absolutely integral to the success of your case. Long term disability benefits are a lifeline for many injured victims and, without them, you could lose income you desperately need to get by.

Call Today For A Free Consultation With McKennon Law Group PC About Long Term Disability Benefits

It’s incredibly important to work with a California attorney who understands the intricacies of disability law. Without your long term disability benefits, your life could change for the worse. If you’ve lost your job while receiving long term disability benefits, you need to act fast. With the help of an attorney, you can file an appeal and resubmit your claim to get the benefits you deserve.

Schedule a free, no-risk case evaluation with McKennon Law Group PC as soon as possible after losing your long term disability benefits. Your initial consultation is completely free of charge, and comes at no obligation to you.

California law imposes an implied duty of good faith and fair dealing on every insurance policy, based on fundamental principles of fairness. Everyone owes a duty of care to others and, when that breach occurs, the at-fault party must be held accountable for any damage they’ve caused.

This duty of good faith extends beyond just people. Businesses, companies, hospitals, educational institutions, and other organizations must operate in a duty of good faith as well. Insurers are required to act in a fair and reasonable manner as well. This duty of care prohibits them from acting or failing to act in any way that would deprive policyholders of their owed insurance benefits.

When an insurer fails to act in accordance with the terms and conditions laid out in a contract, a breach of contract has occurred. This is a different situation than a bad faith insurance claim, but both incidents should be taken seriously. If you’ve been a victim of an insurance breach of contract or a bad faith insurance claim, you need the help of experienced legal counsel as soon as possible.

What Is A Bad Faith Insurance Claim?

Bad faith occurs when an insurance company fails to fulfill the obligation it has made to its clients, and works with them in an unfair or unlawful way. Sometimes, an insurance company will refuse to pay a policyholder’s claim, even when the claim is legitimate and the policyholder does in fact have a right to that claim.

If an insurance company acts unreasonable or without proper cause, this is often considered operating in bad faith. It’s a much more broad term and concept than a breach of contract, which denotes that a specific term of your contract was not upheld.

How Is A Breach Of Contract Of Bad Faith Insurance Claim Differentiated In Court?

Both breaches of contracts and bad faith insurance claims deal with similar kinds of behavior. Both relate to insurance companies who have failed to fulfill their obligations to their policy holding customers. But a key differentiating factor between the two is determining where the insurance company’s obligation comes from.

Let’s use car insurance as an example. For the most part, the majority of an insurer’s legal obligations to their policyholders come from insurance policies and any riders that are added to the original policy. The insurance company’s duties, as laid out in the insurance policy, are governed by the principles of California state contract law. This set of laws is used as a basis to enforce legal contracts, and is used to differentiate a breach of contract from a bad faith insurance claim.

Bad faith insurance claims, on the other hand, are rooted in the duty of good faith that’s placed upon every resident of California. State courts, under common law and other statutory requirements, require insurance companies to uphold a covenant of fair dealing with every policyholder. Common law and statutory requirements govern bad faith insurance dealings, and lay out the framework for how these findings are defined and penalized.

Do I Need A Lawyer If Breach Of Contract or Bad Faith Has Occurred?

Any time you’ve been a victim of someone’s negligence, recklessness, or bad faith, you have the right to contact a lawyer about what you have experienced. It can seem tough to stand up against a negligent insurance company, especially since they have their own lawyers and the funds to defend themselves aggressively. That’s why it’s imperative that you contact experienced legal counsel as soon as you’ve been wronged by your insurance company.

With the help of a legal representative such as a lawyer, you can fight back against these big insurance companies and have your side of the story told in court. Your attorney will defend you against the insurer, and will stop at nothing to ensure you get the justice and compensation that’s rightfully owed to you.

Contact McKennon Law Group PC If You’ve Been A Victim Of Bad Faith Insurance Or A Breach Of Contract

McKennon Law Group PC offers a free, no-risk case evaluation to any California resident who has been victimized by their insurance company. The importance of working with smart legal counsel dring this time cannot be overstated. WIthout the help of an attorney, it can feel impossible to have your side of the story heard and to stand up against these insurance companies.

Your initial case consultation with McKennon Law Group PC is free of charge and comes at no obligation to you. The sooner you call, the sooner you get advice about standing up to your insurance company.