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The Disability Claims Process

Long-term disability claims filed under insurance purchased or provided by your employer are usually governed by ERISA regulations. ERISA sets forth a procedure for resolving disability benefits claims. Our disability insurance claims lawyers at Roboostoff & Kalkin have more than 50 years of combined legal experience and effectively guide clients through this complex process.

Contact our ERISA attorneys for a no-obligation free initial consultation regarding the disability claims process.

Our attorneys help guide you through the disability claims process that is often required to obtain disability income benefits.

Prepare Your Claim

Because all evidence must be submitted to the insurance company prior to going to court or in combination with your initial claim, effective claim preparation is essential to success.

File the Claim

It is not uncommon for insurance companies to initially deny long-term disability claims. However, if the claim is properly prepared, there will be a higher chance of success early in the disability claims process.

Right to Appeal

Normally, you have 180 days from the date you receive notice of the denial of your claim to file an appeal. If you have not consulted an attorney, it is important that you seek legal assistance immediately in order to have ample time to prepare the appeal.

We gather medical records, statements and other information that support your diagnosis and explain how your condition limits your ability to work. If the appeal is won, we can assist with updates to the insurance company reaffirming your need for benefits during its ongoing monitoring of your claim.

File a Lawsuit

In California, there are strict time limits that govern when a lawsuit must be filed if your claim is denied. Your case may be filed in either state or federal court. For ERISA claims, we facilitate the process by working with our clients and their doctors to obtain the evidence necessary to support their claims for benefits.

Contact Us

It is often very difficult to successfully obtain benefits for long-term disability. When you contact our California disability insurance claims lawyers for a free initial consultation, you will learn how we can help assure the success of your claim.

Because our initial consultation is free, you have nothing to lose by calling our San Francisco office about the disability claims process today 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