It's not a secret that insurance companies do everything possible to avoid a level playing field when it comes to their handling of long-term disability claims.
When illnesses or injuries prevent California workers from performing the duties required on the job, they may be grateful to have long-term disability insurance policies. These policies may come through employers or be purchased privately. However, it is not as easy as simply asking for funds to carry them through the time when they are unable to work. Filing a disability claim is complicated, and appealing a denial may be equally stressful.