Long-Term Disability Insurance Claims
Protecting the income you counted on when you can no longer work
Long-term disability (LTD) insurance is supposed to be a safety net: you pay premiums so that, if illness or injury forces you off the job, a monthly benefit will replace a large portion of your paycheck. Unfortunately, many insurers delay, underpay, or flat-out deny valid claims—often at the moment policyholders need help the most. If your carrier has questioned your condition, demanded endless paperwork, or terminated benefits without warning, McGonigle Law is here to level the playing field.
Why policyholders call us first
Our practice is built around a simple promise: hands-on advocacy and proven results. Founding attorney Timothy D. McGonigle has recovered millions of dollars in wrongfully withheld LTD benefits for professionals and small-business owners across California. We understand both employer-sponsored ERISA plans and private policies, and we know the tactics carriers use—“independent” paper reviews, surveillance clips taken out of context, and denial letters that hide critical deadlines. From day one, we take over all insurer communications, gather the medical and vocational evidence they ignore, and press for every dollar your policy promises.
How insurers justify denials—and how we respond
Carriers often claim there is “no objective evidence” of pain, fatigue, or cognitive impairment; re-label an own-occupation policy as any-occupation to cut benefits early; or cite a pre-existing-condition exclusion that does not apply. We counter with updated diagnostics, functional-capacity and neurocognitive testing, sworn statements from treating physicians, and vocational analyses showing precisely why you cannot perform the duties of your job—or any job your policy covers. When ERISA applies, we build a complete administrative record ready for federal court if the carrier still refuses to pay.
A streamlined, five-step approach
Policy & denial review – clause-by-clause audit.
Evidence build-out – diagnostics, specialist opinions, job-duty analyses.
Appeal or demand package – comprehensive brief forcing the carrier to address the facts.
Negotiation or mediation – pursue reinstatement, back pay, interest, or a fair lump-sum buy-out.
Litigation when necessary – state or federal court advocacy.
Who we help
Executives sidelined by migraines, contractors with spinal injuries, teachers battling autoimmune flare-ups—visible or invisible, intermittent or permanent, if your condition compromises your ability to earn a living, your benefits should not disappear.
Talk to us before critical deadlines expire
ERISA appeals are usually limited to 180 days from the date on your denial letter; miss that window and your right to sue may be lost. Even private policies impose strict notice provisions. The sooner we begin, the stronger your case will be. Call (800) 713-5260 or request a free, confidential consultation today. You pay nothing unless we recover benefits.
Our Proven Process for Recovery
Free Consultation: Share your story and learn about your legal options at no cost.
Case Evaluation: We analyze property damage, insurance policies, and potential liabilities.
Claim Preparation: Our team gathers critical evidence to strengthen your case.
Aggressive Representation: We negotiate with insurers and, if necessary, pursue litigation to fight for justice.
Clear Communication: You’ll be informed at every step, ensuring confidence and transparency in your case.
What Sets Us Apart From Other Firms?
Decades of Experience: We bring unmatched knowledge and expertise to insurance cases.
Client-Centered Advocacy: Your well-being is our priority, and we treat every case with care and dedication.
Proven Results: Our success in securing compensation for victims demonstrates our commitment to achieving justice.
Attorney Advertising (not directed at anyone currently represented by counsel) Timothy D. McGonigle, Esq., 1800 Century Park East, Suite 516, LA, CA 90067
To schedule an appointment with one of our attorneys, please call us at 1-800-713-5260 or by completing our intake form.