California Long-Term Disability Claim Appeal Lawyer

If you have been denied insurance benefits by your long-term disability carrier, you have come to the right place. The Law Office of P. Randall Noah gives you a fighting chance of a successful long-term disability claim appeal in a very complex area of the law.

We will take the time to listen to you, explain your rights and explore your options for appealing a denied claim. We represent clients in the Bay Area, Lake Tahoe area, Northern California and statewide. In certain cases, we can represent clients anywhere in the U.S.

Denied Insurance Benefits? Call a California Attorney

Trial lawyer Randy Noah has more than 25 years of experience in insurance, injury and long-term disability law and insurance litigation. He previously represented the insurance industry and now uses that knowledge to help his clients pursue the benefits they deserve.

We invite you to learn why we have earned a reputation for providing outstanding service and why you should choose us to help you obtain the results you need. Offering nationwide service for employer-sponsored disability plan claims and appeals.

Administrative Appeals for Insurance Disputes

It is critical that any additional documentation of your disability be added at this phase, because it may not be allowed at the next stage of appeal. The best thing you can do to help your cause is to continue to see your doctors and follow through with treatment. We review your medical records and prepare your long-term disability claim appeal for reconsideration by the insurance company. We can help arrange a medical exam or an opinion of a vocational specialist to counter the insurance company's stance that you are not disabled.

It is important that a knowledgeable attorney handle your administrative appeal:

  • Knowing that the insurance company is likely to reject the claim again, Mr. Noah ensures that the proper documentation is included in the record and actively shapes the grounds for further appeal.
  • Mr. Noah is familiar with the federal Employee Retirement Income Security Act (ERISA) governing employer-provided disability insurance, which has stringent, complicated rules for how claims are submitted and reviewed. The claim must be technically sound to stand up in a federal lawsuit.

State Court Claim Appeals

If you purchased disability insurance privately, it does not fall under ERISA. Therefore, we can take your insurer to state court (For this law firm only in California and Michigan) where your appeal is governed by state insurance law and contract law, allowing for greater discovery in litigation and increased damages.

Federal Court Claim Appeals

Most people have long-term disability through an employer-sponsored plan governed by ERISA. Long-term disability claim appeals can only be brought in federal court, where the procedures and rules of evidence are distinctly different:

  • Generally, we cannot bring new medical records to court, following the insurance appeal.
  • The court focuses on whether the process was reasonable, not necessarily whether the insurance company's doctors made the right medical determination. We help the court find that the insurance review process was in fact not reasonable.

Particularly in ERISA litigation, the burden is on you to prove that you are disabled. Thus, your appeal depends greatly on the skill of your attorney.

Nationwide Service for Clients Whose Claim Was Wrongfully Denied

All cases are accepted on a contingency fee basis. This means that you will owe no attorney fees unless we successfully resolve your case. Please schedule a free 30-minute initial consultation today by calling our office toll free at 866-906-9428, locally at 925-402-4529. You may also contact our California law firm online.