The decision to accept a disability insurance buyout can be financial and emotional. A skilled California disability insurance claims attorney can evaluate your unique circumstances and enlighten you about the factors to consider before you take the disability insurer’s settlement offer.
In California, 10.4% of the population have some kind of disability. Some of these disabilities are observable by those around you, such as a condition in which you’d have to use a wheelchair.
No one in their 20s expects an unfortunate disease or event to keep them from working before reaching retirement. However, one in four of today’s 20-year-olds will face a disabling condition before retirement age that keeps them from working for a year or more, according to statistics. How many are prepared for that possibility?
The California Department of Insurance regulates the insurance industry in the state. If you suspect your insurance company has been surveilling you while you’re out on a workers’ compensation claim, a disability claim, or even a personal injury (auto accident) claim, you can go to the department’s website and search for “surveillance.”
Millions of people around the world are COVID long haulers, which means they are experiencing symptoms of the disease many months after having an acute bout of the illness. The Journal of the American Medical Association performed a comprehensive analysis of studies and found that more than half of COVID patients suffer from long-haul symptoms.
People with lupus, multiple sclerosis, fibromyalgia, arthritis, spinal stenosis, depression and other serious conditions often work with serious challenges that many people do not understand. Despite engaging in a heroic struggle to remain on the job, a person afflicted with such a condition may reach a point where he or she can simply no longer work full time or work at all.
An unexpected illness or injury can befall anyone. Whether you are a physician, osteopath, attorney, architect, scientist, accountant, a manager, supervisor or other employee of a city, county, or state, or you pursue any other type of occupation, you may one day find yourself to be disabled.
Under the “discretionary” standard of review (also known as the “abuse of discretion” standard of review, the District Court must defer to the insurance company’s denial if it has a strand of reasonableness.
An insurance company will often deny a claim for total disability on the ground that is based solely on the claimant’s “self-reports.”
A quick explanation of the "de novo" standard of review for an ERISA case, and how it differs from the "arbitrary and capricious" standard of review