Super Lawyers
Consumer Attorneys California
AV Preeminent
State Bar of California
American Association for Justice

A Threshold Focus Concerning LTD Insurance: Why You Need it

A host of questions can easily arise concerning employer-provided (ERISA) and private insurance policies offering protection against long-term illnesses and injuries.

We routinely field many of those questions at the long-established Bay Area law firm of Roboostoff & Kalkin, where our attorney team has provided comprehensive representation to LTD claimants for decades.

As we note on our website, some of our valued clients struggle with the fundamental challenge of procuring the benefits to which they are legally entitled. Others understandably need help with what is often an arduous and complex claims process. It is often the case that our focused and aggressive advocacy is needed at hearings and to appeal denied claims.

Many commentators on long-term disability point to a central concern that in a most elemental way precedes any of those listed above.

Many people in California and across the country who might some day have a dire need for LTD protection do not currently have a policy in place.

An informative and detailed article on the great utility of LTD coverage when it is needed underscores the anomaly that while many people note the importance of long-term disability protection, a sizable percentage of Americans are not policyholders.

The reasons for this anomaly are many. The above-cited article notes the “It won’t happen to me” attitude of many individuals who feel as though they are immune from any disabling malady down the road. Some people get lost in the maze of insurance company offerings, opt-out clauses, coverage specifics and attendant concerns.

However, this much is clear: Many people do become challenged by disabling conditions at some point in life. Some of those challenges endure for years. Without proper LTD protection, predictably harsh financial outcomes can ensue.

Questions or concerns about LTD coverage/policies in general, as well as those regarding strong legal advocacy in response to a claim delay, denial or other challenge can be directed to a proven claimant’s insurance attorney.

Client Reviews
Just when I thought there was no hope to recover my LTD benefits, I found attorney Constantin Roboostoff. With his expertise, I was able to recover all of my back long term disability benefits. Other attorneys wouldn’t take my case because it wasn’t cut and dry. Mr. Roboostoff took the challenge and did an incredible job. Not only did he get my current disability benefits going, he also recovered all my back benefits. He was a true blessing and I would recommend him whole heartedly. CW
It was my pleasure to make contact with Scott Kalkin three years ago after other lawyers had turned me away and told me I would not succeed in my lawsuit. Thanks to Scott's thoroughness, dedication, and diligence, my lawsuit WAS successful and he saw me through to the end, which included putting legal pressure on the insurance company which had invested so much time, personnel, and money, in not paying me what was due. RB
As soon as I met with Scott, I could tell he was knowledgeable, resourceful, experienced, highly professional, and would be dedicated to getting me fair treatment. Scott has handled all interactions with my insurance company ever since. Being able to rely on him to represent me has been a huge relief for a chronically ill person. SO