Attorney disability insurance long term

My wife and I were able to successfully appeal our LTD denial. We also won our Social Security denial without a lawyer. But that leaves open what happens afterwards, what options do I have when the private insurance company behaves unprofessionally by harassing, lying, and constantly threatening you by "reviewing your disability status", month after month, considering new paperwork old because it took them weeks to get to it, etc.? Some examples: **Refusal to give me my policy, they had to be forced to do so by my former employer, only after I hired a lawyer to send them a letter demanding they provide it. **Constantly requesting "updated medical information", month after month, even though I have a letter from Social Security informing me that they are not even going review my medical condition for the next 5-7 years, due to the severity of my injury! Seems like every time I get them a report from my Dr., it takes them 4 weeks to review it and then it's old news and it starts again! **They lied and sent me a letter that they were going to reduce my monthly benefits dollar for dollar because of my daughter's Social Security benefits.I had to hire an attorney to review the contract, send a letter that it was not legal to do so, then they sent me a letter apologizing for their "mistake". I can go on and on, and that's just since last august! Am I protected from this abuse by the ADA or Bad Faith Provisions in NJ, or any other laws or regulations? So you consider it an "inconvenience" that they tried to steal my benefits, refused to provide a policy, even though I am injured and in chronic pain? What good are bad faith laws? Thanks

Hello I work for the City of Los Angeles I hurt my back at work 2 years ago and I have gone thur the 2 year workers comp process ,because of other medical complications I can not recieve the treatment i need to go back to work. However as part of my benefits package we have Private Disability Insurance that has 2 plans Plan One: short term disability that is paid by the City of Los Angeles to pay out at 50% of the employee's salary per month (Under the employee's own occupation) Plan Two: Long Term Disability that is paid by the employee as a supplemental meaning the employee can pay the minimum of 30 dollars per month to pay out 66 2/3 of the employee's monthly salary up to the employee's retirement year ( Under the Any occupation ) The Disability Insurance is only available if there is a work related injury , the City of Los Angeles Had their doctors examine me , take MRI's etc.... and placed me off work due to a ruptured disk in my back with meds,. The Private Insurance Company Denied my claim based own their doctors opinon after they looked at my doctor's reports and the opinon of their occupation asessment dept saying i could work a supevisory position with my injury based own my work history and education. Not once has any of their doctors ever seen me let alone examine me . There is more details please email me back if you can advise me because of this outrage ( I'm in pain everyday) I am without any finances i have lost my residence and I am homeless ,I have exhausted my friends and relatives and my bills are over the top and I'm about to lose all my possessions I need money like yesturday please tell me what can I do ,I need help I do not have an attorney

My long term disability benefits were cancelled after 14 years because the insurance company cherry picked two "good" visits I had with the psychiatrist this year (meaning, I wasn't on the verge of suicide for once). It turns out that group long term disability policies fall under the federal law called ERISA and disability law under ERISA is a very, very specialized branch of law. Moreover, I have to get an attorney in the state where I became disabled (I live in Minnesota, I need a California lawyer). There is no way I can get a referral to someone good from someone I know & the only lawyer I have ever used in the past was a family lawyer for a minor matter. Social Security disability is a wholly different matter - I'm not looking for an SSDI attorney. Any tips, other than feel them out in the initial consultation? Thanks for any advice!! what I am looking for, is how do I know if they are a GOOD lawyer, as opposed to a mediocre one.

My husband who is 56 and an attorney, had no retirement plan, no disability plan (solo practice), no life insurance, no long term care, no savings, and his home business is so disorganized it is frightening. He also can never seem to get his business off the ground and wont advertise or do anything to promote it. I finally made him a website and he is getting some clients but very few. I work for the state and make good money and have retirement for myself, disability, and am getting a long term care plan. We have been together 12 years and just got married last fall. He now has health insurance through me but even though he agreed to get coverage for all the rest he still hasnt done it. What is going to happen to me later on if he becomes disabled and what if he has no retirement? I had a prenup drawn up prior to marriage. It covers everything. Give him more time? I have. 12 years. Now I worry about my retirement and my future financial stability. Anyone who thinks for better or for worse is taking advantage of someone else is thick. I married him because he promised to take care of these things within 3 months. He hasnt. He loves to work at home - sleep till 10am, drink coffee and watch TV or read the news on the internet. I work hard and am tired of it. I think an office away from home would be a good start.

My husband who is 56 and an attorney, had no retirement plan, no disability plan (solo practice), no life insurance, no long term care, no savings, and his home business is so disorganized it is frightening. He also can never seem to get his business off the ground and wont advertise or do anything to promote it. I finally made him a website and he is getting some clients but very few. I work for the state and make good money and have retirement for myself, disability, and am getting a long term care plan. We have been together 12 years and just got married last fall. He now has health insurance through me but even though he agreed to get coverage for all the rest he still hasnt done it. What is going to happen to me later on if he becomes disabled and what if he has no retirement? I guess some people are not reading my whole message - I HAVE a good job ($60K) a year and benefits. He is the one without the benefits and assets. Yes - I had another attorney do up a very detailed pre-nup.

I live in CA the insurance company is located in PA; I have been wrongfully denied long term disability benefits and I need to pursue this further. If I obtain or consult an attorney from which state should they be and also where is jurisdiction ... CA or PA in the event of litigation?

I have a very good claim against the insurance carrier that carries my companies Long Term Disability insurance. They have denied my first claim as we expected but have given us 90 days to ask for an appeal. It has been 60 days and my attorney has done nothing because he is handling the case Pro Bono and he says since he is not sure how much money will be claimed he is just going to apply for the appeal at the 90 day mark. The only glich in them denying me my payments is because my attorneys first claim letter was later than their requirements. They agree I am disabled but they just say We were to late and now we are going to respond at another close call. Is there someone I can contact. I am in Atlanta Georgia.