We assist our clients with disability, health, and life insurance issues, with a particular focus on ERISA and employee benefits. We help them to obtain or keep appropriate coverage,... more
We assist our clients with disability, health, and life insurance issues, with a particular focus on ERISA and employee benefits. We help them to obtain or keep appropriate coverage, navigate the transition from employment to disability (or from disability back to work), and advocate for them when insurers or plans refuse to cover necessary treatments or to pay disability benefits.
Insurance law covers the policies insurance companies offer and the rates they charge. Personal insurance standards include auto insurance, health insurance, homeowners insurance, life insurance, and disability insurance. Business insurance standards usually include commercial liability insurance, errors and omissions insurance, malpractice insurance, and business interruption insurance. Each of these policies covers losses from different types of risk, and both the losses and the risks are carefully defined. It can take an insurance lawyer just to determine if your loss resulted from a risk you were insured for. Sometimes insurance companies deny claims, acting in what is legally called “bad faith.” Insurance lawyers can determine if your insurer is treating you fairly and sue for you if the company is acting in bad faith.