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Long-Term Disability Insurance Appeal
We often get calls from people who get their long-term disability denied, necessitating an appeal. They want to know how they can win a long-term disability denial.
Long-Term Disability Disqualification
Another question we often get is what disqualifies a person from disability? Generally, disability benefits would be due if you are medically unable to do your job.
Long-Term Disability
Regarding long-term disability plans, the question often arises about how many times you can be denied. Realistically, a long-term disability carrier can deny you upon first application, and then an appeal will be necessary.
Reporting a Car Accident
Some clients often ask whether they have to actually report a car accident to their insurance. This happens when a driver thinks, "If it wasn't my fault, why should my insurance company get involved?"
How to Prove You Are Not at Fault
We often get calls for car accidents where both parties blame each other. Potential clients then ask how they can prove they are not at fault during a car accident.
What Do You Do After You’ve Been in a Car Accident?
A question we often get is what to do after you've been in a car accident. If you've never been in one, the process might be confusing.
Sharing the Lane with Bicyclists
What are the laws that govern how to pass a bicycle sharing the roadway? New additions to Vehicle Code Section 21760 and the 3-foot rule share the rules for passing a bicyclist on the road.
Will My Insurance Cover a Bike Accident?
We get a lot of calls from cyclists who get hit on the road, who are wondering if their car insurance covers them for an accident when hit by a car on the road.
At-Fault Driver Insurance
We often hear from potential clients who have questions about dealing with the at-fault driver's insurance. Talk to an attorney before submitting a recorded statement to the at-fault driver's insurance.
Welcome to Bonnici Law Group
Welcome to Bonnici Law Group! We look forward to speaking with you, working on your case, and helping you through the trying time that has brought you to us.
Why Your Long-Term Disability Benefits Can Be Denied
Long-term disability claims are denied for a host of reasons all the time. Whatever the reason is, denials can be very confusing and often hard to decipher. If you have a denial, it is important to get it reviewed right away because the appeal process can be as short as 180 days.
What to Do When Your Insurance Company Denies Your Coverage
If you received an insurance denial for your long-term disability insurance, there is no reason to fret right away. You should hire an attorney, gather the necessary evidence from your Administrative Record, the file an appeal in the next 180 days.
What is the Next Step After a Second Disability Denial?
If an appeal is denied, making it the second denial, the next step would be to file a lawsuit in court under ERISA. Once you get to that stage, it is imperative to have an attorney to make sure that all of the legal proceedings and procedures leading up to and filing a long-term disability lawsuit are initiated correctly.
Long-term Disability Coverage – Do I Have Coverage?
One important aspect to always understand when you are applying for long-term disability benefits is you must be employed at the time of your application. This doesn't mean that you have to be actively working in the office, but you still have to be an employee.
Long-term Disability Policy
It may go without saying, but to be eligible for long-term disability benefits, you have to have the policy in effect at the time of your disability – which usually requires you to be employed at the time of disability, but not necessarily working.