When you can’t work due to disability, insurance should provide the financial support you need for peace of mind. Long-term and short-term disability benefits typically replace between 60% and 85% of what you earned before becoming disabled. However, many people face unfair benefit denials from insurance companies, whether they’re applying for the first time or already receiving benefits. Our experience shows that insurance companies often deny valid claims from seriously ill individuals simply to increase their profits. This includes cases where people are completely unable to work due to conditions like depression, stress, and anxiety. If you’re disabled and your benefits were denied, we at Ghai Law can help.

We can also assess whether your insurance company has acted in bad faith. Insurance providers may be acting in bad faith if they deny your long-term or short-term disability claim without reasonable grounds. Bad faith actions can include delaying payments without justification, offering settlements below what you deserve, and failing to respond promptly about approving or denying your claim.