ERISA and Long-Term Disability Benefits: Understanding Your Rights and Protections
ERISA Long-term disability (LTD) insurance is a crucial safety net for employees who may face extended periods of inability to work due to illness or injury. When these benefits are provided through an employer-sponsored plan, they often fall under the governance of the Employee Retirement Income Security Act (ERISA). This federal law sets standards […]
How Long Do Long-Term Disability Benefits Last?
Long-term disability (LTD) insurance is a crucial safety net for individuals who find themselves unable to work due to illness or injury. One of the most common questions people have about these policies is how long they can expect to receive benefits. The duration of long-term disability benefits can vary significantly depending on several factors, […]
What is the Contestability Period?
What to Know About the Contestability Period in Life Insurance Policies When it comes to life insurance policies, the concept of the “contestability period” is something that every policyholder should understand. This crucial window of time can have a significant impact on the payouts and coverage provided by your policy, should the unthinkable happen. Here, […]
Client Review
Amar Raval’s expertise within his specialty of Insurance Litigation is unparalleled. He is a true advocate for all of his clients, very professional and an excellent communicator! I highly recommend Amar and his team! – Raj Thakrar.
Client Review
Amar is one of the top ERISA lawyers in the state. He is not only super knowledgeable, but also very caring and personable (rare nowadays!). I can vouch for his passion for the clients and trust that he will see the case through to the end to the full betterment on your behalf. Always felt […]
Client Review
Very attentive to detail and an effective communicator . Highly recommend Raval Trial Law!! – Nitesh Vachhani.
What is a Waiver of Premium Benefit?
Understanding the ‘Waiver of Premium’ Benefit in Life Insurance Policies When it comes to life insurance, there are often hidden gems that can provide invaluable protection in times of need. One feature is the waiver of premium benefit, which can be a game-changer for policyholders facing unexpected health challenges or disabilities. In this post, we’ll […]
Defining Fibromyalgia
The Importance of Proper Documentation in Fibromyalgia Disability Claims Fibromyalgia is a chronic and complex condition that can have a significant impact on an individual’s ability to work and perform daily activities. Unfortunately, navigating the disability claim process for fibromyalgia can be challenging, as the disease is often misunderstood and the symptoms are primarily subjective. […]
Defining Fibromyalgia
The Importance of Proper Documentation in Fibromyalgia Disability Claims Fibromyalgia is a chronic and complex condition that can have a significant impact on an individual’s ability to work and perform daily activities. Unfortunately, navigating the disability claim process for fibromyalgia can be challenging, as the disease is often misunderstood and the symptoms are primarily subjective. […]
How Disability Attorneys Can Help Navigate Long-Term Disability Claims in Texas
Filing long-term disability (LTD) benefits can be complex, especially when insurance companies continue to tighten their review processes. Many claimants are overwhelmed with paperwork, facing unfair denials, or stuck in lengthy appeals. This is where disability lawyers play a vital role. Experienced legal counsel can make a significant difference in securing the benefits individuals need […]
Proposed Legislation Seeks to Strengthen Consumer Protections in Disability Insurance
Navigating the complexities of long-term disability insurance is daunting for many policyholders. Unfortunately, unfair practices by insurance companies can turn an already challenging situation into a nightmare. In recent years, legislators at both state and federal levels have taken notice, introducing bills to enhance consumer protections and ensure fair treatment in disability insurance claims. These […]
Unum’s History of Wrongly Denying Long-Term Disability Claims
Long-term disability insurance is meant to provide a financial safety net for people who are unable to work due to illness or injury. However, the insurance industry giant Unum has gained notoriety for its history of denying valid long-term disability claims, leaving many policyholders in dire straits when they need support the most. The Systematic […]
UnitedHealthcare Under Scrutiny: Denying Coverage for Children with Autism
In a recent investigation, UnitedHealth Group, one of America’s largest health insurers, has come under intense scrutiny for denying or limiting coverage for essential autism-related services for children. This ProPublica investigation has raised serious concerns about the accessibility of crucial treatments for families affected by autism spectrum disorder (ASD). The Core of the Controversy: Applied […]
Barriers to Mental Health Care for People with Disabilities
The Intersection of Mental Health and Disability Insurance Mental health and disability insurance are inextricably linked, yet the intersection of these two areas often poses significant challenges for individuals seeking comprehensive coverage and support. We understand the issues involved and are dedicated to helping our clients navigate this landscape. People with disabilities may face numerous […]
The Challenges of Fibromyalgia Disability Claims
Overcoming Insurance Tactics in Fibromyalgia Disability Cases Navigating the complex world of disability insurance claims can be challenging, especially when it comes to conditions like fibromyalgia. Insurance companies use various tactics to deny or delay benefits for those suffering from this debilitating condition. However, with the right approach and legal expertise, individuals with fibromyalgia can […]
What is the Elimination Period?
Decoding the ‘Elimination Period’ in Disability Insurance Policies When it comes to disability insurance, understanding the concept of the “elimination period” is crucial. This often overlooked aspect of your policy can have a significant impact on your ability to receive benefits when you need them most. In this guide, we’ll shed light on the elimination […]
The Double-Edged Sword of Social Media
The Impact of Social Media on Insurance Litigation: A Houston Perspective Today, social media has become an integral part of our lives, shaping the way we communicate, interact, and even seek legal recourse. Raval Trial Law has witnessed firsthand the profound impact that social media can have on insurance litigation. Let’s discuss how social media […]
How UnitedHealthcare Limits Mental Heath Claims
After months of investigation, ProPublica has published a lengthy article on the inner working of UnitedHealthcare’s tactics to artificially limit mental health claims. The investigation reveals some of the same tactics we have seen in UnitedHealthcare claims – the desire to limit claims, no matter if the treatment is medically necessary or not. Sadly, all […]
What is Material Misrepresentation?
Understanding Material Misrepresentation in Life Insurance Claims When it comes to life insurance policies, it’s crucial to understand the concept of “material misrepresentation” and how it can impact the payout of a claim. Material misrepresentation refers to the act of providing inaccurate or incomplete information on an insurance application, which could affect the insurance company’s […]
Amar Raval Selected as 2025 Secretary/Treasurer of Houston Trial Lawyers Association
Raval Trial Law is excited to announce that its founder, Amar Raval, has been selected as Secretary/Treasurer of the Houston Trial Lawyers Association! Amar is a longtime HTLA member since 2006. He has served as a Board of Director since 2018. In 2020, he was on the Nominating Committee. From 2023-2024, Amar was a Vice […]
5 Key Differences Between “Own Occupation” and “Any Occupation” Disability Policies
When it comes to disability insurance, the distinction between “own occupation” and “any occupation” policies can have a significant impact on your financial security. Let’s learn the key differences between these two types of disability policies to help you know what to get. 1. Definitions Own Occupation: Under an own occupation policy, you are considered […]
Amar Raval Honored with Martindale 2025 AV Preeminent Rating
For more than 130 years, Martindale-Hubbell has evaluated attorneys for their strong legal ability and high ethical standards through a Peer Review Rating system. Before the 1887 edition of Martindale’s American Law Directory, which was the first publication to provide such ratings to attorneys, there was no way of truly knowing if the lawyer you […]
The Controversial Role of EviCore in Health Insurance Denials
In the complex world of healthcare, patients often find themselves stuck between their doctors’ recommendations and their insurance companies’ willingness to pay. At the heart of this conflict lies EviCore, a company that has become instrumental in shaping healthcare decisions for millions of Americans. Who is EviCore? EviCore is a healthcare management company that major […]
Do’s and Don’ts in Insurance Medical Exams
What is an IME? Most disability insurance policies have a provision that can force you to undergo an “independent medical examination”. Because the examination is performed by someone chosen by the insurance company, there is nothing “independent” about it at all. These Insurance Medical Examinations (IME) are intended to gauge your medical, cognitive, or psychiatric […]
Victory at the Fifth Circuit in Dwyer v. UnitedHealhcare!
Health insurance disputes are far too common in eating disorder cases. Many times, the family must navigate a complex web of healthcare providers, insurance pre-authorizations, and treatment for their minor child. That’s exactly what Kelly Dwyer had to do when his minor child faced such a situation. This led to a ten year (and counting) […]
Amar Raval Named to 2024 Texas Super Lawyers List
September 17, 2024 We are pleased to announce that Amar Raval, founding partner of Raval Trial Law, has been selected to the 2024 Texas Super Lawyers list. This is an exclusive list, recognizing no more than 5% of attorneys in Texas. Super Lawyers, part of Thomson Reuters, is a research-driven, peer-influenced rating service of outstanding […]
Client Review
Amar worked diligently on my case. He kept me informed, explained everything that was taking place, and offered advice. It was a hard case and I was truly satisfied with the results. – Nanette S.
How to Deal with Common Problems in Long-Term Disability Claims
Pitfalls in Long-Term Disability Claims Long-term disability (LTD) insurance promises financial support when illness or injury prevents you from working for an extended period. However, the path to receiving these benefits isn’t always straightforward. Many people find themselves entangled in a complex web of paperwork, medical evaluations, and insurance negotiations. Here, we’ll explore the most […]
Why You Need Private Disability Insurance
Disability Insurance Through Your Employer May Not Be Enough If you are suffering from a disabling condition and are no longer able to work, disability benefits can provide the lifeline you need to support yourself and your family. Whether your disability is short or long-term in nature, a denial or termination of benefits can be […]
Watch out for Surveillance in Long Term Disability Claims
Surveillance in Long Term Disability Claims Insurance companies are for-profit companies, so they have a built-in financial motive to deny your claim. One of the tools they use to deny claims is using surveillance to decide the legitimacy of a disability claim. This leads to one of the common reasons they deny claims – they […]
Client Review
I have know Amar Raval for many years and I highly recommend Raval Trial Law when litigation is needed. Amar has extensive experience and knowledge when it comes to litigation affairs. He flows through the courtroom which shows how comfortable he is as this is his area. Call him today as he can help fight […]
Client Review
Raval Trial Law and specifically Amar Raval has represented me on several occasions for litigation purposes. On both matters Mr. Raval was able to secure the max judgement allowed by the law for those specific litigation cases. I can attest to Mr. Raval’s professionalism, communication skills, attention to detail and ability to think outside of […]
Raval Trial Law Helps Client Get Lifesaving Proton Beam Therapy Treatment
Approval of Proton Beam Therapy Treatment Allows Client to Receive Liver Transplant In recent years, proton beam therapy has emerged as a promising treatment option for various cancers, offering precise targeting of tumors while minimizing damage to surrounding healthy tissues. However, despite its potential benefits, many insurance companies have been hesitant to cover this advanced […]
Client Review
Mr. Raval was quick and to the point, but most importantly he understood my situation, and saved me lots of time and grief. Highly recommended. – Tim.
Client Review
Amar Raval is a lawyer that believes in you and your situation and in plain English will advise you on your case for the best outcome. I trust very few people but this is a trustworthy person with my best interest at heart I thank him a lot. – Penny T.
Client Review
Attorney Mr. Amar Raval is exceptionally “Professional”, “Knowledgeable” in U.S. Law . I trust his representation and so should you . You’re using a “Winner”! – Ron W.
Cigna Saves Money When Its Doctors Deny Claims Without Reading Medical Records
How Cigna Saves Money with AI Claim Management Cigna, one of the largest health insurance providers in the United States, has implemented a controversial system that allows its doctors to instantly reject claims without even opening or reviewing the patient files. This practice, which has drawn criticism from regulators and consumer advocates alike, has enabled […]
Client Review
Mr. Amar Raval is a great communicator, supportive, and considerate. He has a very good knowledge and understanding of insurance law in Texas. He was always patient with me and made sure to explain all aspects of my case. Having Mr. Raval as my lawyer was the best decision I could have made and I […]
Long-Term Disability Insurance vs Short-Term Disability Insurance Explained
Disability insurance provides financial security and peace of mind to those looking for additional protection if they can no longer work due to an injury or disabling illness. Americans suffer chronic and debilitating illnesses more and more every year. These injuries and ailments can dramatically impact a person’s ability to work. Thus, many workers have […]
Types of Life Insurance Exclusions
Life insurance provides a financial safety net for surviving family members when someone dies unexpectedly. Life insurance proceeds must be paid to the beneficiaries in a timely manner. But there are circumstances which can excuse an insurance company from the obligation to pay benefits. The person on whose life the insurance policy is underwritten has […]
The Mental Health Parity Act Explained And Why It Matters
Mental illness affects a significant number of Americans, and many of them are not able to get the treatment they need. Even when health plans cover mental health benefits, they can be harder to access and less comprehensive than other types of health benefits. The Mental Health Parity Act (MHPA) of 1996 was the original […]
Disability Insurance Claim Client Review
We retained this firm a few months ago to assist us with a long term disability claim. We worked specifically with Mr. Amar Raval. He and his staff have been very accommodating and attentive to our case.
What To Do If a Life Insurance Policy Claim Is Denied
Life insurance is usually purchased to make sure a beneficiary has some financial means if the policyholder should die. Life insurance contracts promise to pay a beneficiary in a timely manner upon proof of death and compliance with policy terms and conditions. However, because insurance companies would rather not pay out any more than is […]
Insurance Denials for Proton Therapy Treatment for Cancer Patients
Many patients who are receiving treatment for cancer may pursue proton therapy. This recent development in radiation therapy uses protons instead of X-rays. Since X-rays are known to put patients at risk of additional illnesses, proton therapy is extremely promising with fewer side effects. However, the availability of this treatment is limited to only a […]
Health Insurance Claim Client Review
Amar Raval and the team at Berg, Plummer, Johnson, and Raval are amazing lawyers and great to work with. They explain everything in detail and make the process a better learning experience. They are always available to help quickly and maintain a high level of professionalism.
Can Insurance Companies Deny Cancer Treatment?
The answer to the question of “Can insurance companies deny cancer treatment?” is often different from the answer to the question of “Do insurance companies deny cancer treatment?” Although federal law often prohibits insurance companies from denying certain vital cancer treatments, patients are often forced to fight for coverage. In some cases, patients may even […]
Health Insurance Litigation Client Review
Mr. Raval was the first attorney I found in a web search. Three other attorneys I spoke with as well recommended him. So, we first encountered his excellence among his peers. We hired him to represent my wife against an LTD (long term disability) claim denial. He convinced the insurance company to reverse its decision […]
Insurance Litigation Client Review
Amar Raval and his team are who you want on your side when dealing with an insurance company that is delaying your benefits. He stays in contact and is a go-getter. I enjoyed working with him.
Update on Federal Efforts to Ban Discretionary Clauses in all ERISA Cases
Mental Health Matters Act Advances to Senate In May, the Employee and Retiree Access to Justice Act (H.R. 7740) was introduced in the U.S. House of Representatives. The bill seeks to ban discretionary clauses in all employer-sponsored benefit plans governed by ERISA. If passed, this federal ban on discretionary clauses would return ERISA cases to […]
Insurance Litigation Client Review
I would like to recommend this firm. I have no words to express my gratitude to them for everything they did for me and my claim. I was denied my private long term disability claim by a well known Insurance company.
Why Government Plans Are Exempt From ERISA
If you have been denied benefits provided through an employer-sponsored plan, your claim will generally fall under the Employee Retirement Income Security Act (ERISA). ERISA is a federal law that governs most employee benefit plans. While ERISA was originally enacted to safeguard employees’ retirement and pension benefits, its reach and scope has been expanded over the years. […]
Congress Considers Total Ban on Discretionary Clauses in ERISA Plans
Earlier this month, the Employee and Retiree Access to Justice Act (H.R. 7740) was introduced in the U.S. House of Representatives. A companion bill was also introduced in the Senate as S. 4219. The bill seeks to ban discretionary clauses in all employer-sponsored benefit plans governed by ERISA. If passed, this federal ban on discretionary […]
Las Vegas Jury Awards $200M Against Sierra Health, Subsidiary of UnitedHealthcare
Earlier this month, a Las Vegas jury awarded the family of a man who was wrongly denied health insurance coverage a $200 million civil verdict against Sierra Health and Life Insurance. William George “Bill” Eskew was diagnosed with lung cancer in 2015. Mr. Eskew and his wife purchased a health insurance policy from Sierra Health […]
Breast Cancer Survivor Sues Blue Cross Blue Shield for Wrongful Denial of Cancer Treatment
We are proud to represent clients against Blue Cross Blue Shield of Texas when it wrongly denies proton beam radiation therapy for cancer. This is because regardless of medical necessity, BCBS has a uniform policy to deny proton therapy treatment and force insureds to seek suboptimal treatment. Our client seeks to hold BCBS responsible for […]
Prudential’s Long Term Disability Denial Overturned by Texas Federal Judge
At Berg Plummer Johnson & Raval, we often deal with long term disability claim denials. We are pleased to report the good news for our client, Kristy Midkiff, where we served as local counsel alongside Terry Coleman. The case of Midkiff v. Prudential is a study in some of the twists and turns a long term disability claim […]
Cancer Survivor Sues Blue Cross Blue Shield for Wrongful Denial of Cancer Treatment
Roslyn Gonzalez was out of options when she decided on her cancer treatment. Blue Cross Blue Shield of Texas (BCBS) chose to save a few thousand dollars to ensure more profits for its shareholders. In doing so, it denied Ms. Gonzalez a safer course of treatment and ensured that she would never bear children. Ms. […]
Life Insurance Claim Client Review
Mr. Raval was awesome. In the wake of the passing of my father, several issues arose regarding his life insurance. Mr. Raval was referred to me for this instance. He was kind, courteous, compassionate, truthful, and most of all he helped myself and my family understand the situation we had chosen to undertake.
Health Insurance Claim Client Review
I received a bill from the hospital for $25,000 stating my insurance company did not approve my knee surgery. After investigating, attorney Amar Raval found that the hospital did not follow the proper procedure or process to get my surgery authorized through my insurance company.
Health Insurance Claim Denials: Aetna Doesn’t Review Medical Records
Recently, in a California insurance lawsuit involving the wrongful denial of health insurance benefits to a 19-year old claimant suffering from a rare immune-system disorder, a former medical director at Aetna (the defendant health insurer) admitted under oath to having never reviewed patient medical records when determining whether to deny health insurance claims. The testimony […]