Long-Term Disability Insurance Claims,  Monterey Bay California

Scott E. Shaffman Attorney At Law

If you become disabled and your insurance company denies your claim, an experienced attorney can help you get the monthly benefits you deserve. Scott Shaffman has successfully represented consumers on claims against insurance companies for over 30 years.

Mr. Shaffman handles most long term disability claims including:

Group Disability Insurance

Most people get their long term disability coverage through a group plan sponsored by their employers and most of these plans are governed by federal law under ERISA (Employees Retirement Income Security Act).  Consumer rights are very limited under ERISA and few attorneys handle such claims, as they require specialized knowledge and experience.  Scott Shaffman has the experience you need to help get your insurance company to pay.  Under ERISA, if you win in court the judge can order your insurer to pay your attorney’s fees and interest on the money you are owed.

Privately-Purchased Disability Insurance

If you bought an individual long term disability policy and your insurance company unreasonably refuses to pay your claim, we call that “bad faith”.  Consumers have more rights under individual plans than under group plans.  If your insurer acts in bad faith in denying your claim, you may be able to recover not only the monthly benefits you are owed, but also attorney fees and additional money to compensate you for your emotional stress coping with a claim denial at the time you really needed it.  Scott Shaffman has decades of experience making insurance companies pay.
 

Government Employee Plans (Insurance or PERS)

If you work for a state or local government agency, your employer’s group long term disability insurance plan is not governed by ERISA and you have much better rights than employees of private employers.  If your government employer sponsored a group insurance policy and your claim is wrongly denied,  you can get the benefits you are owed plus attorney’s fees and compensation for your stress caused by the denial.  If your government employer offers CalPERS coverage, Mr. Shaffman can help you with those claims as well.
 

Call Scott Shaffman now for your free consultation at: