Bay Area Attorney Handling Disability Insurance Policy Disputes

You never expected to need disability insurance benefits. You never anticipated that you would be injured or develop a medical condition such as multiple sclerosis, chronic pain, blindness, hearing loss or fibromyalgia. But now that you need your disability insurance policy, you are likely to encounter roadblocks to payment of the benefits.

Call or e-mail the Law Offices of Laurence F. Padway in Alameda to schedule a consultation regarding your disability insurance claim. Attorney Padway has spent his career preparing to help you through the difficult challenge of confronting your disability insurance carrier after your claim has been denied.

Some of the steps that the law firm will likely take in an effort to help you obtain benefits include:

• A detailed review of your disabling condition to ensure that it qualifies as a cause for disability under the law and according to your policy terms. Mr. Padway spends as much time learning about medical conditions as he does learning about the law. He knows to apply his knowledge to disability claims and appeals. He is ready to talk to your doctors and present that information before administrative hearing boards and in court if necessary.
• A review of your disability insurance to determine whether it falls under the umbrella of ERISA or is a non-ERISA policy.
• Examination of factors such as discretionary clauses that your insurance carrier may use to avoid paying benefits despite your valid disability claim.
• Examination of the reasonableness of your insurance carrier's claims that you are ready to transition from attempting to work at your own occupation to attempting to work at "any occupation," and what that means to your disability claim.

We Make Insurance Companies Pay Your Claim the Way You Paid Your Premium

Each client's pain or dysfunction is different. Each client's disability claim requires fair coverage through any existing disability insurance policy.

You or your employer has paid disability insurance premiums. You never anticipated that your insurance carrier would deny your claims on flimsy grounds. At the Law Offices of Laurence F. Padway, we make disability insurance companies pay out benefits according to their own policies. Call or e-mail the law firm to schedule a consultation regarding your disability insurance dispute in Northern California.