In The News
The Disability Denial Machine: How Insurers Reject Long Covid Claims
A Bloomberg Law investigation reveals how major disability insurers — led by Unum — have repeatedly relied on the same doctors to deny long Covid claims, even after federal judges criticized those doctors for ignoring evidence and reaching false conclusions. A quarter of long Covid denials challenged in court were evaluated by reviewers previously rebuked by judges. With limited penalties under federal law and few claimants able to afford litigation, insurers have little incentive to change, and their doctors have strong financial incentives to keep denying.
Fighting for Mental Health Parity: Raval Law Takes on Humana
Raval Law brought two federal appeals court cases against Humana in Texas after the insurer cut off inpatient treatment for patients with severe eating disorders — despite medical evidence that continued hospitalization was essential. The central argument: patients weren’t recovering on their own; they were only stable because of the structured environment the facility provided. Both cases raised key questions about how insurers define “medical necessity” under the federal Mental Health Parity Act.
Humana’s Denial of Eating Disorder Treatment Sent Back to Court
A federal appeals court vacated a lower court’s ruling in favor of Humana, finding that disputed facts about whether Katherine P. had previously failed outpatient treatment — and whether inpatient care was her only path to recovery — deserved proper consideration. Raval Law argued that Humana’s own “medical necessity” standards failed to reflect accepted medical practice and were tainted by biased reviewers. The decision kept the case alive and allowed key questions about how insurers define medical necessity to be heard.
Ariana M. v. Humana: A Landmark Shift in How Courts Review Insurance Denials
The Ariana M. v. Humana case produced a significant legal precedent beyond its facts: the Fifth Circuit Court of Appeals abandoned its long-standing practice of deferring to insurers’ factual determinations, joining every other federal circuit in requiring courts to review benefit denials de novo — meaning from scratch, without giving insurers the benefit of the doubt. For patients challenging denied claims in Texas, Louisiana, and Mississippi, this shift means courts must now independently weigh the evidence rather than simply asking whether an insurer’s decision was “unreasonable.” The ruling put insurers on notice that their coverage decisions will face genuine judicial scrutiny.
Long-Term Disability Claim Victory Against Prudential Insurance
Raval Trial Law secured a settlement for Dr. Regina Sutton, a trauma surgeon whose long-term disability benefits were wrongfully terminated by Prudential Insurance after a 2013 car accident left her with serious, ongoing injuries. Prudential had repeatedly denied her claims — arguing she could perform unrelated, lower-paying roles — despite medical documentation supporting her inability to work. After years of exhausted appeals, Dr. Sutton filed suit in Texas federal court alleging breach of contract, bad faith, and violations of the Texas Insurance Code. With her case surviving Prudential’s dismissal bid, the parties reached a settlement in March 2025.
When Insurers Gamble With Lives: The Hidden System Behind Mental Health Denials
A ProPublica investigation exposes how major insurers like United Healthcare and Cigna repeatedly use the same psychiatrists to deny mental health coverage — even after federal judges criticized those doctors for errors and rubber-stamped denials. In one case, a 15-year-old anorexia patient was denied continued treatment despite clear evidence she wasn’t ready to leave, forcing her family to refinance their home. The 5th Circuit ultimately ruled in the family’s favor.
- Read the full ProPublica investigation here.
- Fifth Circuit Rules Against UHC in Eating Disorder Case -NFP
When a large powerful insurance company mishandled my Disability claim, I sought legal assistance and was referred to a law firm in Houston, Texas. Amar Raval responded quickly, rapidly assessed my situation and began negotiating on my behalf. Ultimately, a lawsuit was required and a fair settlement was reached. Mr Raval was diligent, professional, attentive, determined and always available to discuss my stressful situation. I highly recommend him and Raval Trial Law to evaluate and handle any legal challenge.
I am very thankful for Mr. Raval and his help with our health insurance company. I have no doubt that our medical bills would not have been paid without his intervention and diligence. I appreciated his communication and would recommend him to anyone having problems with an insurance company.
Outstanding service. Mr. Raval is attentive to details, timely in feedback, and forward thinking so that we are well prepared for next steps. We couldn’t recommend a more efficient attorney to accommodate our goals!
Mr. Raval was a wealth of information, kind, helpful and I felt listened to. While he was unable to represent us due to needing another state lawyer, he went above and beyond in helping me find someone that would help and explained the ins/outs of our insurance policy in terms I could understand. Highly recommend.
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 will always appreciate the impact he’s had on my life! I highly recommend Mr. Raval. He is the best!
Raval represented us against a corporate giant demonstrating expertise in corporate and personal injury law. We were educated about the process and kept informed at each step, with options available. We were highly satisfied with the outcome. Not only that Raval was able to win the case for us but was able to get a favorable ruling which sets a favorable precedence on similar cases relarted to subrogation of medical expenses incurred by injured party.
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. He was able to get the case dismissed due to the hospital not having any proof that I was at fault or was responsible for the bill.
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. Everything he and Tracy did made us feel like we were talking to family members who had the ability to help. Mr. Raval resolved our situation in our favor. It was more than we could hope for. I would highly recommend and hire him again, if the situation ever needed it.
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.
They reviewed my case and immediately started the appeal which was successful. Their professionalism and compassion helped me in every step. I was worry free knowing that they were taking care of my claim.
If you ever need a disability lawyer this is the firm to call.
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.
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 to deny my wife’s claim. His detailed and factual presentation set a tone of integrity that couldn’t be overlooked. We won justice and peace of mind. This was also a victory for healthcare over health insurance companies.
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. If you need an attorney these are your guys.
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. Mr. Raval had done extensive research into the company we were dealing with which impressed me right from the start. He assumed the stress I had felt from previous dealings with this company. He and his staff are knowledgeable, competent and accomplished what we had not been able to do on our own. We are so glad we used an attorney and so glad we found Mr. Raval. We would highly recommend him and Tracy, his assistant, for their thoroughness and diligence. Very easy to work with and a great advocate. We will continue to use this firm as our legal advisors.
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 will always appreciate the impact he’s had on my life! I highly recommend Mr. Raval. He is the best!
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”!
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.
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.
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 the box in order to get the matter resolved. Mr. Raval’s presence in the courtroom is unwavering and you can tell that he is in his element throughout the trial. Mr. Raval’s knowledge of the law and his experience as a litigator helps to take the stress out of the litigation process. I highly recommend Raval Trial Law to assist with any and all litigation matters.
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 for your rights.
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.
Very attentive to detail and an effective communicator . Highly recommend Raval Trial Law!!
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 good to have him by your side.
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!
Amar and his team did a fantastic job. I highly recommend them.
Raval represented us against a corporate giant demonstrating expertise in corporate and personal injury law. We were educated about the process and kept informed at each step, with options available. We were highly satisfied with the outcome. Not only that Raval was able to win the case for us but was able to get a favorable ruling which sets a favorable precedence on similar cases relarted to subrogation of medical expenses incurred by injured party.
Called requesting a consult for an unusual health insurance issue. I ended up not requiring legal assistance, but Mr. Raval spent ample time to understand what was going on and providing guidance on how would be best to proceed. Mr. Raval was extremely helpful and I would highly recommend!
Mr. Raval was a wealth of information, kind, helpful and I felt listened to. While he was unable to represent us due to needing another state lawyer, he went above and beyond in helping me find someone that would help and explained the ins/outs of our insurance policy in terms I could understand. Highly recommend.
Mr. Raval listened to what the Hartford insurance company had done to me, he gathered all the documents, letters, phone calls.
Amar told me to let him do the worrying, he went after them with both barrels! Whenever I’ve had questions or called, I was always treated as if I was his only client.
I cannot say enough good things about them and the “customer service” I’ve received, job well done. Thank you so much!
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