Bad Faith Insurance Cases: Claims, Litigation, Appeals

If your disability insurance does not fall under the ERISA umbrella because it is private insurance, and your disability claim is wrongly denied, you may be able to claim that your insurance carrier acted in bad faith.

Did Your Disability Insurance Carrier Commit Fraud By Denying Your Claim?

Bad faith in insurance law generally involves fraud, which could include misrepresentations of the policy terms or outright deception. It could also include an insurance carrier's refusal to perform a duty or other contractual obligation, based on its own interests, rather than the interests of the policyholder.

Did Your Insurer Act in Bad Faith?

You may be justified in claiming that your private disability insurance carrier acted in bad faith. You and your lawyer may be able to demonstrate that the insurance company deliberately did not perform its obligations under the policy when it denied your disability claim because:

• They failed to fairly investigate and review your disabling condition.
• They unfairly applied unreasonable or illegal expectations that you would make a transition from "your own occupation" to "any occupation."
• They may have misapplied or misrepresented policy provisions.

You Played by the Rules; Your Insurance Carrier Did Not.

You paid the premiums. You made every effort to work despite your disability. But chronic fatigue syndrome, an orthopedic impairment, a psychiatric condition or a hearing loss left you unable to make a living. Now you have filed a disability claim and your private disability insurance carrier has denied your claim, on seemingly flimsy grounds.

Call or e-mail the Law Offices of Laurence F. Padway in Alameda to schedule a consultation regarding your disability insurance claim. Attorney Laurence Padway has dedicated his law practice to advocacy on behalf of society's most vulnerable members: people with disabilities. Initial consultations are free.

We File Insurance Bad Faith Claims on Behalf of the Disabled

After your disability insurance claim has been denied, you owe it to yourself and your family to exhaust all available means of obtaining relief. At the Law Offices of Laurence F. Padway, we compel disability insurance companies to make good on their own policies. We are available to examine your disability insurance policy, listen to your story and help you determine whether the insurer acted in bad faith.

Call or e-mail the law firm to schedule a consultation regarding your disability insurance dispute in Northern California.