Long Term Disability Lawyers in San Francisco
Fighting for Your Right to Disability Insurance
Sometimes, a disability is not a disability. Suffering an injury or being diagnosed with a serious illness that prevents you from working means that you are disabled. However, your insurance company may not agree. Its definition of disability may require you to meet specific characteristics in order to qualify for benefits.
At the law firm of Delfino Green & Green, our San Francisco long term disability attorneys believe that information is power. Educating you on the process of applying for disability benefits helps you understand what is necessary to demonstrate to your insurance company that you are entitled to benefits. The issues related to the application and any appeals or litigation are complex, but they do not have to be a mystery to you. In the end, we want you to have peace of mind by having the knowledge of the steps to take toward a more stable future.
Contact us online or call us today at (415) 466-8544 to schedule a free case evaluation with one of our experienced long term disability lawyers in San Francisco.
How Insurance Companies Define Disability
Insurance companies generally write disability insurance policies using two definitions: Disabled and totally disabled.
This is broken down further as follows:
- Own occupation disability - this is defined as the inability to perform the material and substantial duties of the job you held before you became disabled.
- Any occupation disability - a disability that prevents you from performing work in any occupation that you are suited for based on age, training, experience, education, and station in life. This is a more challenging definition to meet than own occupation disability.
Policies will typically state that “own occupation” covers a set period of time before changing to “any occupation.” This change-over period is typically when insurance companies re-evaluate, and often deny, claims. When that happens, it is time to seek advice from an experienced San Francisco long term disability attorney at Delfino Green & Green.
The Legal Representation You Need
With vital information at your disposal, you and your physician can make sure that the insurer is provided with all of the necessary information and evidence. With this data, we stand by your side and help get you the benefits you deserve through approval of your claim, reversal of a denial or appeal, or by prevailing in court.
Call us today at (415) 466-8544 and speak with a knowledgeable long term disability attorney in San Francisco.