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A COVID-19 Update From Bill

Disability Insurance Companies

Our Disability Insurance Attorneys Aren’t Afraid to Go Up Against Your Insurance Provider

If you are unable to work due to an illness or injury, you may rely heavily on disability insurance coverage in order to meet your expenses and stay afloat financially. If your claim is denied, there are several paths available to you, depending on your insurer’s protocol for appealing decisions and whether your insurer is a private or employer-sponsored company.

Regardless of the nature of your disability insurance company or the reason for denial, get in touch with one of our experienced disability insurance lawyers at Delfino Green & Green. Even if your situation does not ultimately require a formal lawsuit, we are here to serve you and provide you with the counsel, knowledge, and plan of action that you need to get the disability benefits you deserve.

What Can I Do if My Disability Insurance Claim Is Denied?

Some disability insurance companies require you to go through an administrative appeals process before taking any legal action against the company. However, even if your insurance provider has a formal appeals process, involve a disability insurance lawyer right away.

Appealing your disability insurance company’s decision to deny you coverage tends to be nuanced, tedious, and deadline-driven, and there are hundreds of ways to make costly missteps. Failure to follow all appeal guidelines, deadlines, and instructions to the letter can make your appeal unsuccessful and put even more distance between you and financial assistance you need.

If your claim is denied, you may need to take action in the form of a lawsuit in order to convince your insurance company of the legitimacy of your condition and demand benefits. You may also need to consult an attorney in order to understand the reasons for which your claim may have been denied and ways you can improve your chances when reapplying. In either case, having an experienced disability insurance attorney on your side can be the difference between financial hardship and financial freedom while you recover or cope with the effects of your injury or illness.

Delfino Green & Green Has Successfully Opposed a Number of Disability Insurance Companies

Our San Francisco disability insurance attorneys have been serving people in your shoes for over 30 years.

During that time, we have helped our clients recover tens of millions of dollars in benefits and fought various disability insurance companies, including:

  • Cigna
  • Aetna
  • MetLife
  • Hartford
  • Unum
  • Liberty Mutual

If you have been denied disability insurance benefits from these or any other insurer, secure legal representation right away. At Delfino Green & Green, we are committed to helping you ensure you are not skipped over for benefits you need in order to recover or deal with the effects of your illness or injury. It is our mission to ensure you are always protected, always given the benefits you deserve, and always given fair consideration when fighting your insurance company’s decisions.

Call (415) 466-8544 to speak to a member of our team today, or contact us online to schedule your complimentary consultation.

Verdicts & Settlements
We've Recovered Millions for Our Clients

  • $10,000,000 Bad Faith Insurance Claim
    Insurance Coverage/Bad Faith Bad Faith – Pollution Coverage Prior to forming his own firm, Mr. Green worked at one of the largest and most prestigious firms in the U.S. He was the primary attorney on an environmental insurance case that went to trial in San Francisco. After a several week trial, Mr. Green came away with a trial verdict against the insurers with a value of over $10,000,000 in available insurance coverage.
  • $2,400,000 Disability Claim
    Disability – Neurological Issues Our client became disabled from neurological issues. Our attorneys were able to work with the client and his physicians to quickly assemble all of the documentation necessary to support out client’s claim of total disability. The insurer agreed that our client was totally disabled and paid his claim.
  • $2,000,000 Traumatic Brain Injury
    Traumatic Brain Injury to Child A three year old child was being carried across the street when she was struck by an oncoming car. The child suffered a serious traumatic brain injury when she hit the ground. Her injuries were so serious she had to be hospitalized for several months. Our firm negotiated a settlement of $2,000,000 by forcing the payment of all of the available insurance from the driver’s automobile insurer ($1,250,000), the entire amount of the homeowners insurance limits available ($500,000), and all of the amounts that the person carrying the little girl was able to recover from the negligent driver ($250,000). We then arranged for another firm to prepare and fund a large Special Needs Trust for the health and welfare of the injured child.
  • $1,800,000 Heart Condition Disability
    Our client became disabled by a heart attack. The insurer refused to pay, claiming that our client was still able to perform his occupation. We met with all of our client’s doctors, obtained reports confirming the client’s inability to perform his prior occupation, and ultimately convinced the insurance company to pay the claim in full.
  • $1,700,000 Builder’s Risk/Collapse

    A contractor suffered a severe collapse at one of his sites. The claim was submitted to the insurer and denied. Mr. Green reviewed all of the facts, researched the law, and brought together the necessary experts to prove that the Contractor’s Builders Risk insurer was responsible for a substantial portion of the loss. He also proved that a subcontractor was negligent and the subcontractor’s insurer also paid a substantial settlement. In total, Mr. Green was able to obtain more than $1,700,000 in compensation for his client.

  • $1,000,000 Heart Condition Disability
    Our client had worked for the government for many years when she began suffering from a serious heart condition. All of her doctors told her that she could no longer work and if she continued to do so, she would be risking further injury to her heart or even death. Based on thi
  • $1,000,000 Traumatic Brain Injury

    Our client suffered a mild Traumatic Brain Injury when heavy object struck her in the head. The responsible party denied all fault and insisted until the very end that our client had not suffered a brain injury and offered nothing to settle the case. Our firm assembled a team of world renowned expert‘s to demonstrate that our client had suffered a mild Traumatic brain injury. The case settled shortly before trial.

  • $985,000 Traumatic Hand Injury

    Our client was working at a manufacturing plant. While operating a piece of machinery, his glove became caught in the machinery and part of his hand was severely injured. Ordinarily, this type of injury would be restricted to remedies available through Worker’s Compensation. However, through the knowledge, ingenuity, and creativity of our team of attorneys, we were also able to obtain a very substantial civil settlement for our client in addition to the workers comp settlement of his case.

  • $975,000 Aviation Death Settlement
    A husband and father of two small children was killed in an aviation accident involving a small aircraft. Our firm represented the widow and two children against the pilot of the aircraft. By hiring experts in aviation (to prove negligence) and economists (to prove damages), and utilizing William Green’s expertise as an instrument-rated pilot, we were able to make a very powerful case and obtain a very favorable settlement that allowed the family to survive financially.
  • $700,000 Forklift Accident
    A construction supervisor went to pick up some materials for a construction job. A worker at the yard neglected to set the parking brake on a piece of heavy equipment a few yards away. While the construction supervisor had his back turned, the machine rolled into him, pinning him against the side of his pick-up truck. He suffered several broken ribs, but that was the least of his injuries. Within several weeks of the accident, he had partially lost his sight. By working with medical experts, our firm was able to directly connect the sight loss to the injuries caused by the machine that rolled into our client. The case settled at Mediation without any need for a trial.

Words of Praise from Our Clients

  • “Bill Green is exceptional in the courtroom.”

    Terry L.

  • “The attorneys here are simultaneously the most competent and the most willing to go above and beyond for their clients in the areas of law they practice.”

    Daniel C.

  • “I felt they were a strong advocate and were attentive and concerned with protecting my best interests.”

    Kenneth F.

  • “Bill has the right attitude and level headed legal knowledge to assert whats wrong and bring justice where it is needed.”

    Amy W.

  • “Bill Green taking my case was life changing, I truly do not know what I would have done had I not retained his services.”

    Staci G.