California Long-Term Disability Insurance Attorney

Long-term disability insurance provides crucial income when a person cannot work because of extended injury or illness. But just when the money is most needed, the insurance company may still refuse to pay you the benefits you deserve.

About Long-Term Disability Insurance

The typical long-term disability policy provides monthly benefits equal to 60 percent of your wages (not including overtime or bonuses). Maximum coverage is up to age 65, with mental illness claims typically limited to two years or less.

There are two basic types of LTD insurance, and your rights and legal recourses are very different under each:

  • Private disability insurance — These policies are purchased directly by the individual from an insurance company. Many self-employed people or employees in high-risk categories must take out private policies. In general, a claimant has stronger legal rights in coverage disputes.
  • Employer-provided disability insurance — You may pay a portion of the premiums through paycheck deductions, and the employer pays the rest — your employer may even cover the total amount of the policy. These plans are governed by the federal Employee Retirement Income Security Act (ERISA), and your rights to appeal a denied claim are sharply limited.

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.

What Constitutes a Long-Term Disability?

Your condition does not have to be work-related. You do not have to be completely disabled. To be eligible for benefits, a doctor must determine that you are disabled from performing certain duties of your job. But insurance providers routinely challenge the diagnosis or prognosis to avoid paying on the claim.

Immediate Help for Mental and Physical Disabilities

Attorney Randy Noah has represented disability claimants in Northern California for over 25 years, helping clients obtain their rightful coverage for many types of physical or mental conditions, including:

  • Broken bones, back injury, joint injuries
  • Failed back surgery
  • Organ transplant
  • Cancer or leukemia
  • Migraines or chronic pain
  • Autoimmune disorders (lupus, fibromyalgia)
  • Anxiety, bipolar disorder, depression

At the Law Office of P. Randall Noah, we understand how long-term disability insurance works and why insurers deny benefits. Mr. Noah formerly represented insurers defending against claims, and he applies that experience in appeals of claims or lawsuits for breach of contract/bad faith in the state courts of California and Michigan.

Contact a California Lawyer for Your Long-Term Disability Claim Needs

Contact us online or call us at 925-402-4529 to discuss your rights and legal options. For certain cases, we offer a free 30-minute consultation.