Category: Disability Denials

The short answer: A disability denial letter tells you, or should tell you, exactly what you are up against: the policy provisions the insurer relied on, the medical and vocational opinions behind the decision, and your deadlines. Read it closely before you respond, because what you send next often becomes the record your claim lives… read more

The short answer: Keep the denial letter, get your complete policy, request your claim file, calendar every deadline, stay in treatment, and talk to a policyholder lawyer before you appeal. What you do in the first two weeks after a disability denial shapes everything that comes after, including whether a lawsuit is winnable later. The… read more

If you have suffered from any kind of mental illness, most people can imagine how it can become debilitating. Thankfully, disability insurance policies and programs are starting to accommodate the needs of people with mental health disabilities. Dawson and Rosenthal and our comprehensive insurance law practice will fight diligently for you to have access to… read more

Completing a successful long-term disability claim is a kind of art. If you are unfamiliar with filing these claims, there are many places for pitfalls that could damage the perceived validity of your claim. A denied long-term disability claim can make your already challenging situation significantly more overwhelming. At Dawson Rosenthal, our San Diego long-term… read more

Insurance companies often seem very helpful and friendly when it comes to filing a claim. Many are genuinely good people. Yet, do not be fooled. Most insurance companies are for-profit organizations, and to make that profit, they need to reduce the value of any claims paid out to you. If you file a disability claim,… read more