Orange County Disability Insurance Claim Denial Lawyer – Serving California

When your disability insurance claim has been denied, you will face significant financial consequences. The Orange County disability insurance denial firm of Quincey Law can help you with the long fight that you face ahead of you.

Insurance companies are loath to pay disability insurance claims because they can be on the hook for a lot of money. What is worse is that there may be few consequences when they deny a claim and force you to fight. You often need to go through multiple rounds of the battle before you have a chance of success.

Call Quincey Law when you need a tough disability insurance claims denial attorney in Orange County who can take on the insurance company and all the firepower they are bringing to the fight. You can schedule a free initial consultation to discuss your case by calling (949) 844-6630 or you can submit a contact form to schedule a free consultation.

Quincey Law helps clients throughout California and is located at 34135 Pacific Coast Hwy Suite 318, Dana Point, CA 92629 just a few blocks west of the intersection of Golden Lantern & PCH. Call attorney Nicholas Quincey today at (949) 844-6630 regarding your denied disability insurance claim or reach out by submitting a contact form to schedule a free consultation.

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“Nick fights hard for his clients. Guided by a strong moral compass, he provides fair and honest insight as to what is in your best interest. He is incredibly diligent, and a straight shooter. You feel like he is always in the trenches with you, and guiding you through tough times. I am so grateful to have worked with him on matters over the last few years. I cannot recommend him highly enough.”
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Types of Disability Insurance Coverage

Disability insurance is intended to provide you with income protection and stability when you become ill and are unable to work. You may receive it as a benefit from your job, or you may choose to purchase a policy on your own. Insurance companies go out of their way to promise that they will be there for you when you need them. In practice, things are completely different, and you may be forced to fight for the benefits that you deserve under the terms of your policy.

You may have one or both of the following types of coverage:

• Short-term disability insurance provides you with coverage, often for up to a period of six months. You may receive short-term disability for things like a surgical procedure or pregnancy.
• Long-term disability provides you with coverage for an extended amount of time when you are unable to work. For the first two years, you would receive benefits when you are unable to perform the duties of your own job. After that, you could continue to be paid when you are unable to work in any type of profession because of your condition.

Why Insurance Companies Deny Disability Claims

Insurance companies have been known to be extremely stringent about both short and long-term disability claims. They know that they may have to pay you hundreds of thousands of dollars or more, and it is the last thing that they want to do. Insurance companies are often aggressive about denying claims for reasons such as:

• They believe that you are still able to work
• Your condition was pre-existing before you were covered by the policy
• Your claim does not contain sufficient medical evidence
• You did not follow the requirements of the policy in applying for disability benefits
• The insurance company may take away your benefits after two years because they believe that you can do another type of job

The Challenges in Appealing When Your Insurance Was an Employee Benefit

If your employer has provided you with disability insurance as a benefit, your claim may be even tougher. There is a federal law that is supposed to protect your rights as an employee. In reality, ERISA makes your life much harder because it gives a tremendous amount of power to the insurance company. They can deny your claim without fear of too many consequences, and you will be forced to fight. This battle may be a difficult one, as insurance companies have no problem fighting for years.

You would then need to go through the ERISA appeals process. You would begin by creating an appeal file and going through the insurance company. If you are wondering why you have to appeal first to the same company that denied your claim in the first place, it is because that is what is required by the law. You can only go to federal court once the insurance company has denied your appeal, and then you can only use the appeal file that was in front of the insurance company.

Suing for Denial of Claims for Privately Purchased Insurance

If you have purchased the disability insurance policy on your own, you can sue the insurance company in state court. Your disability insurance policy is a contract between you and the insurance company, and you can sue them for breach of contract. You would not need to spend time going through the insurance company before you can reach court. Further, the insurance company could even face other consequences if they have wrongfully denied your claim.

Contact Quincey Law Today Regarding Your Denied Disability Insurance Claim

If your disability insurance claim has been denied, get legal help from a Southern California attorney at Quincey Law today to learn more about a possible appeal. Our disability insurance denial attorneys serve Orange County including Anaheim, Santa Ana, Irvine, Huntington Beach, Garden Grove, Fullerton, Orange, Costa Mesa, Mission Viejo, Westminster and all throughout California. You can schedule a free initial consultation with one of our lawyers by calling us today at (949) 844-6630.