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Private Disability Insurance Claims in San Diego, CA


Also Serving El Cajon, CA, and Surrounding Area

At Iler & Iler LLP, our disability attorneys are dedicated to fighting for of our clients' rights and ensuring they receive the compensation they desperately need. Based in San Diego, California, our firm specializes in all manner of disability claims, including private disability claims.

Private Disability Insurance

If you personally purchased a long-term disability policy and the insurance company has failed to pay you the benefits you are entitled to, we can help you receive the benefits you deserve. Unlike ERISA claims, state law governs private disability claims.
This means that the standard for documenting the file and proving your claim is different than ERISA claims, and most actions will be filed in California Superior Court. We have experience litigating these cases throughout California in both the Superior Court and the Court of Appeals. Regardless of the type of claim involved, it is important that you document your file at all stages of the claims process.
State law normally applies to these types of cases, so you are entitled to a trial by jury and can seek recovery for compensatory and punitive damages, as well as policy benefits, interest, and attorney fees. Depending on the degree of the wrongful conduct by your insurance company, you are entitled to present testimonial and documentary evidence of your disability and the defendant's bad faith conduct.
Law library of our disability claims lawyers in San Diego, CA

Private Disability Claims

You should review your policy and have a clear understanding of the requirements necessary to support your disability claim. Your treating physician(s) should certify your disability up to and above the standard of disability written in your policy.
Private insurance policy may require you to also apply for Social Security Disability Insurance (SSDI) benefits because the policy may have a provision that allows for an offset for SSDI benefits. If so, you should apply for SSDI.
Be sure to keep a copy of all documents provided to the insurance company, confirming receipt by way of certified mail/return receipt. You should also keep a log of everyone that you talk to regarding your claim, noting their name, telephone number, and the date and nature of the discussion. Thorough documentation is almost always the key to winning a claim.
Contact us today to schedule a free consultation to discuss your private disability claim.