If you or a loved one needs a caregiver to assist with everyday activities like walking, getting up from a chair or using a shower, then your insurance company is obligated to pay long term care benefits. Long term care is also sometimes known as custodial care or personal care. Whatever it is called, under settled California law, an insurance company cannot unreasonably deny or delay the payment of your claim.
These insurance company tactics are unethical and morally corrupt. The good news is that, if the case is handled the optimal way -- with effective pre-trial discovery and the best experts prepared to testify on your behalf -- the insurance company’s predatory conduct can be exposed and overcome.
Bennett M. Cohen will work aggressively and tirelessly to represent you if your claim for long term care has been wrongfully denied. He will spare no effort to fight to secure the benefits to which you are entitled.
In 2014, Mr. Cohen won the only jury verdict ever in California in which Standard Insurance Company has been held liable for the bad faith denial of a disability insurance claim. Mr. Cohen
recovered 1.12 million dollars for a client to whom Standard had refused to pay even a dime.
Later that year, Mr. Cohen won a related case in the California Court of Appeal against the California Department of Insurance after the California Department of Insurance had refused for years to review new disability insurance policies before they entered the California marketplace.
As a consequence of Mr. Cohen’s victory in the California Court of Appeal, the California Legislature amended a key California statute to provide more time for the review of new disability policies and the California Department of Insurance increased its staffing to be able to review all new disability insurance policies before they are allowed to be sold in California.
Denied? Denials are the lifeblood of too many insurance companies. Having navigated the insurance company battlefield -- having faced insurers with their legions of attorneys and bought-and-paid-for “experts,” I know how to overcome a denial. I would like to do that for you.
Alleviate the severe financial stress of being compelled to pay for long term care all by yourself or foregoing essential long term care due to a lack of resources. If the insurer’s denial was made in bad faith -- as it almost always is, we can assert a claim for mental distress damages and punitive damages as well.
When you buy insurance, you are buying a promise -- a promise that your insurance company will be there in your time of need. But in that time of need, all too many insurance companies will betray that promise.
Your insurer is betting that when you are most vulnerable and least able to fight back, you won’t. But your insurance company need not have the final word. You can retain an attorney who is able to successfully challenge the insurer’s denial.
An attorney acting on your behalf must develop your case meticulously -- marshal the evidence, be sure the necessary witnesses are willing and able to speak the truth, retain top experts, and then be able to present your case to a judge, jury, arbitrator or mediator in a clear, credible and compelling manner. I can do this for you.
Time is of the essence. So don’t waste another second not speaking to me. Schedule a free consultation so we can discuss all your options.
Sometimes it is necessary for cases like yours to go to trial. Other times not. We will fully discuss the game plan and I’ll let you know what to expect.
Insurance companies are prepared to fight. But so am I. Put your case in my hands. I promise to spare no effort in fighting for justice on your behalf.
My practice is located in San Francisco, California. However, I represent clients throughout the Bay Area and all over California. Live outside California? Not a problem. It's my pleasure to assess if there is any way I can represent you here or in your state.