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Private Disability Insurance

Long-Term Disability Insurance Disputes

Privately-purchased long-term disability insurance is expensive, especially for people with moderately high to high incomes. Even so, most people who make the decision to purchase long-term disability insurance do so without hesitation. To them, the peace of mind that comes with knowing they will have the resources needed to survive a disabling injury or illness is well worth the cost.

This being said, the fact that individuals in higher income brackets are typically the only people who can afford private long-term disability insurance means that insurers have a lot to lose if a claim is made, and a lot to gain by issuing a blanket denial of coverage.

Attorneys at Goldstein, Gellman, Melbostad, Harris & McSparran have successfully resolved a large number of high-value long-term disability insurance disputes on behalf of physicians, Silicon Valley and high tech employees, accountants, stockbrokers, LGBT clients and others in the Bay Area and throughout Northern California. To learn more, get in touch with our lawyers at 415.673.5600 or contact us online.

You Do Not Have to Accept Their Excuses

Despite insurance industry demands, not all disabling injuries and conditions reveal themselves neatly on X-rays, MRIs or diagnostic tests. Fortunately, this doesn't make those disabilities any less real. Another common excuse for refusing to pay long-term disability insurance benefits is the deliberate misinterpretation of policy provisions.

Disabling injuries and conditions that insurance companies commonly reject claims for include:

  • Back and neck injuries
  • Brain injuries/cognitive disabilities
  • Mental/psychological illnesses such as depression or bipolar disorder
  • Stroke
  • Heart disease and cardiovascular disease
  • Chronic Fatigue Syndrome
  • Carpal Tunnel Syndrome
  • Incontinence and bowel and bladder issues
  • Mobility problems and issues involving functional capacity exams (FCE)
  • Orthopedic Injuries
  • HIV/AIDS
  • Post-traumatic stress disorder (PTSD)
  • Complex regional pain syndrome

Because private disability policies are governed by insurance law and contract law, not ERISA, you have the right to sue your insurer for consequential damages and in some case, for punitive damages, attorney fees and emotional distress as well.

Here, at our firm, you will find the level of experience, knowledge and courtroom skill needed to accomplish these goals and more. Serving LGBT clients and others in the San Francisco Bay Area, including Santa Rosa, Walnut Creek, San Rafael, Oakland, Pleasanton and Berkeley.

Call us at 415.673.5600 or contact our offices online to arrange for an initial consultation.

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Goldstein, Gellman, Melbostad, Harris & McSparran, LLP

1388 Sutter Street, Suite 1000
San Francisco CA 94109-5454

Phone: 415.673.5600
Fax: 415.673.5606

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