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Guardian Long-Term Disability Insurance Denial

California Insurance Law Firm Gianelli & Morris Fights for the Long-Term Disability Insurance Benefits Our Clients Deserve

If you contract an illness or suffer a serious injury and are no longer able to work, you rely on your disability insurance to provide for your medical care, your expenses, and provide for your family.  Whether you purchase your own separate policy or are covered through your employer, you have the right to expect that your insurance provider will stick to your agreement and grant you the benefits you are owed based on your policy language.  Unfortunately, large disability insurance providers like Guardian Life regularly gin up inappropriate reasons to deny long-term disability (LTD) claims.

When your LTD claims are denied or underpaid, you have the right to fight back.  The California long-term disability insurance denial attorneys at Gianelli & Morris are here to help.  Find out if you’re a good candidate to appeal a wrongful disability insurance denial or file a bad faith insurance claim by contacting the Los Angeles offices of Gianelli & Morris for a free consultation.

Who is Guardian?

Guardian Life Insurance Company is one of the oldest and largest insurance providers in the country.  Ranked in the top 300 of the Fortune 500, Guardian Life has been around since 1860 and has more than 8,000 employees across the country.  They offer a variety of disability insurance policies, including long-term disability, group disability, and supplemental individual disability income insurance.

Like many other insurance providers, Guardian has shown time and again that they care first about their profit margin and last about their policyholders and beneficiaries.  Guardian’s routine denials of legitimate claims have become the subject of nationwide complaints, lawsuits, and investigations.  If you have an LTD policy issued by Guardian and your claim is wrongfully delayed or denied, you are not alone.

Consequences of Disability Insurance Denial

When you become injured or ill and unable to work, it is important that your disability insurance kicks in as soon as possible.  A delayed investigation or an unjust denial keeps you from receiving the benefits you need to stay afloat while you are unable to work.  Denial of benefits can cause a variety of problems, including:

  • Loss of your regular income
  • Repossession of assets like your car, and foreclosure on your home
  • Denial of health care
  • Draining your savings

If your claim was denied in bad faith, the insurance denial attorneys at Gianelli & Morris can help you recover not only the value of the benefits that you were inappropriately denied but also additional damages that resulted from the denial and delay in payment.  You may be able to recover for financial harm that resulted from your delayed benefits as well as for additional medical problems you suffered because you could not get the health care coverage to which you were entitled.

If Your Guardian Disability Claim Was Denied, We Can Help

When your insurance company lets you down, you have the right to push back.  The insurance lawyers at Gianelli & Morris will help you every step of the way, including preparing your initial claim, communicating with Guardian Life on your behalf, appealing any denial, and making sure that Guardian does not try to bully or sandbag you with underhanded tactics.  We will work with you to ensure that you get the full, complete benefits you deserve under the policy you paid for.

Call Gianelli & Morris for Help Responding to a Long-Term Disability Insurance Claim Denials in California

For help with a denial of your LTD claim by Guardian Life or any other California disability insurance provider, or any other long-term disability insurance issues, call the California insurance lawyers Gianelli & Morris at 213-489-1600 for a no-cost, confidential consultation. We’ll take the time to evaluate your situation and let you know how we can help.

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