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Handling Private Disability Insurance Claims

Long-term disability insurance coverage is designed to provide a monthly income to individuals who are injured, become ill and are unable to work. This disability insurance coverage can be obtained through an employer or through the purchase of a private insurance policy.

At Roboostoff & Kalkin, we are experienced in representing individuals who have been denied long-term disability benefits under a private insurance policy. Contact our California long-term disability benefit lawyers for a free initial consultation to discuss your claim.

People who purchase a private disability insurance policy have many rights that those individuals obtaining coverage through ERISA-governed, employer-provided policies do not have, such as:

  • The right to a jury trial if benefits are denied.
  • The ability to recover damages beyond monthly income benefits and attorneys fees, including punitive damages or damages for emotional distress.
Was Your Claim Denied?

If your claim for long-term disability was denied, we will aggressively advocate your legal rights. Our disability lawyers obtain information from the insurance company as to why the claim was denied, and along with other information, we gather evidence of their bad faith to help resolve your claim either by the way of settlement or trial.

Penalties for bad Faith Denial of Long-Term Disability Claims

When insurance claims go to court, we have the experience to make a difference. If a jury decides that someone is entitled to long-term disability benefits and that the insurance company acted in bad faith by denying the claim, the insurance company may be ordered to compensate that person for the emotional distress and pay punitive damages. We use these factors as leverage where appropriate to help maximize your recovery.

Get Skilled Disability Claim Help Today

At Roboostoff & Kalkin, we understand your need to obtain benefits quickly. It is our ultimate goal that our clients receive the full benefits they are entitled to as quickly as possible. Contact our insurance attorneys for a free initial consultation, or call our San Francisco office directly at 877-374-7270.

The information you obtain at this site is strictly for education and not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. However, we welcome this opportunity to discuss legal representation with you.

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