Disability insurance is designed to protect our ability to provide for ourselves and our loved ones if we become disabled and can no longer work.

When a disability insurance claim is denied the results can be financially disastrous to the policyholder and the policyholder’s family.


The dispute over a disability claim often centers around whether the policyholder is truly disabled, or if the policyholder could go back to work according to the terms of the insurance policy.

Unreasonable Insurance Company Conduct

After a policyholder makes a disability insurance claim, insurance companies conduct an investigation that is supposed to be fair, but which is often centered on denying the insurance claim.

The insurance carrier investigation into your California disability insurance claim may include:

  1. Obtaining your medical records from your attending physician(s). This may also include requesting a statement from your physicians regarding your disability.
  2. So called “independent medical examinations,” which are often not independent at all, but conducted by the insurance company’s stable of biased physicians.
  3. Conducting an interview with you, which is usually recorded, regarding your disability insurance claim.

The insurance company may also put you under surveillance to try to show that you are not disabled and require you to take certain tests.  All of these techniques can be unfair and biased, and result in an unreasonable denial of your disability insurance benefits.

Contact A Bad Faith Insurance Attorney

If your disability insurance carrier is being unfair and unreasonably denying you your disability benefits according to your policy provisions, contact insurance bad faith litigation lawyers at Viau and Kwasniewski.

In most cases we will work on a Contingency Fee basis meaning we are paid only if we obtain a recovery for you.

For more information about your options regarding a denied disability insurance claim in California, call (213) 842-8164 for a free, no-risk initial consultation, email a bad faith insurance trial attorney, or complete our online Contact Us Form.

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