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Long Term Disability Claims in the San Jose & Monterey, CA, Area

Consultation - Long Term Disability Claims in the San Jose & Monterey, CA, Area
When you have become disabled and your insurance has been denied, you need an experienced attorney. Scott Shaffman Attorney at Law has more than 35 years of experience successfully representing clients on long-term disability claims against insurance companies, including both group and private insurance claims.

Get the Monthly Payments You Deserve

Anyone who has been unfairly denied disability should start by calling Attorney Shaffman to get a free consultation. You'll never pay a cent unless you win your case!

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 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 a time when you really needed it.

Government Employee Plans

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 denial.
Contact Attorney Shaffman to learn more about our representation
for long-term disability claims, including group and private insurance claims.