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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.
Records to Help with Your Long-term Disability Application
One responsibility that insurance companies have during the application and denial process for benefits is to give you all the necessary information in the administrative record for your case so that you can look at everything they are looking at when making their decision.
How to Apply for Long-term Disability
One question we get a lot is: how do I apply for long-term disability benefits? An application is usually pretty easy to do, so attorneys aren't generally required or necessary for this step; but questions can come up.
How to Get Mental Illness Disability Insurance
At Bonnici Law Group, we receive many calls regarding mental illness claims. Whether it's for anxiety, depression, or some other mental illness, many of those claims are presented for benefits. There are a lot of details within these policies that you have to know before you apply.
Dealing with the Denial of Your Long Term Care Insurance Claim
At Bonnici Law Group, we get lots of calls with questions on what to do after you get a denial letter from your long-term disability carrier. Truthfully, it's really procedural. The time frame to appeal is really short, which is generally 180 days.
How Long Does a Long-term Disability Last?
Depending on what your policy’s states, the duration of benefits you could recover through your policy varies. A lot of policies these days state that your benefits will expire when you reach your retirement age
Long-term Disability and Social Security
A question we get all the time at Bonnici Law Group is: Can I get long term disability and social security disability at the same time? The answer is yes!