If you need long-term disability benefits after a disabling sickness or disabling injury, you should be advised and represented by a California disability insurance claims attorney with the McKennon Law Group. For more than seventy years, the McKennon Law Group has advised and represented California families and consumers whose claims for insurance benefits have been wrongly and unfairly denied.

The California State Disability Insurance program provides short-term disability insurance benefits to eligible workers who are unable to work because of a non-work-related illness or injury, pregnancy, or childbirth. While that program pays most workers 60 percent of their wages for up to a year, this state does not have a public, long-term disability insurance program.

Do You Have Private Long-Term Disability Coverage?

Many private insurance companies offer long-term disability insurance coverage, but even if you are a paid-up policyholder, an insurance company may reject your claim for long-term disability benefits or expect you to provide extensive and detailed evidence of your disability.

Individual disability insurance policies are usually governed by state laws, while most of the group insurance policies that are provided by employers in California are governed by the federal Employee Retirement Income Security Act of 1974 (ERISA).

When Should You Contact an Attorney?

If you believe that an insurance company or employer has wrongly denied your disability benefits claim under ERISA, you should consult an attorney – at once – at the McKennon Law Group. We’ve handled thousands of disability insurance claims, and we know how to resolve disability claim disputes that involve both individual policies and ERISA-governed group policies.

If your claim for long-term disability benefits under an ERISA group plan is denied, you must pursue at least one appeal directly with the insurance company before you will be allowed to file a lawsuit. Let a California disability insurance attorney at the McKennon Law Group handle that appeal on your behalf.

What Compensation Can a Lawyer Help You Recover?

If your claim for disability benefits through an individual insurance policy is denied, you may be able to bring a bad faith lawsuit against the insurance company, and you may also be entitled to substantial further compensation for the suffering caused by the wrongful denial of your claim.

However, if your claim for long-term disability benefits is based on an ERISA-governed group plan, there will be some restrictions on the compensation you may recover. With either type of insurance policy, an attorney for insurance claims at the McKennon Law Group can offer you reliable, comprehensive legal advice regarding the best way to move forward.

There is No Charge for Your First Legal Consultation

If your claim for long-term disability benefits has been rejected – or if your claim has been delayed for no apparent or discernible reason – call the McKennon Law Group today to learn more or to schedule a no-cost, no-obligation initial legal consultation. Take advantage of the opportunity to learn where you stand legally and to receive sound, personalized legal advice.

Let us put more than seventy years of legal experience to work on your behalf. You can contact the McKennon Law Group by calling (800) 682-4137 or by completing the contact form on this website. Our law offices are located in San Francisco, San Diego, Los Angeles, and Newport Beach.