Areas of Practice

Talia Ravis has successfully litigated disability insurance cases involving application, coverage and unfair claims practices. If your claim has been denied, we will help you file an appeal or litigate your claim in court. We assist disabled people file for short term disability benefits and long term disability benefits, both ERISA and individual disability claims.

We have handled disability claims involving a variety of diagnoses, including multiple sclerosis, chronic fatigue immune deficiency, fibromyalgia, migraine headaches, heart disease, differing forms of cancer, back injury/disease, hand, wrist and shoulder damage, and mental and nervous conditions.

We can assist you in appealing and/or litigating your disability carrier’s denial of benefits and other issues that may arise when dealing with the following types of disability insurance policies:

• Short-term disability
• Long-term disability
• Disability retirement
• Credit disability

If your claim has been denied in whole or in part, please contact our office to discuss your claim.

Suffering through your own or a loved one’s illness is difficult enough, without having the added stress of having to fight an insurance company to cover mounting health costs. We can assist you in appealing your health insurer’s denial of benefits and other issues that may arise in the health insurance setting, including:

• Partial and/or total denial of coverage
• Pre-existing conditions
• Allegations that a procedure or treatment is experimental/investigative/not medically necessary
• Enrollment issues

• Employee benefit-related health insurance (ERISA)
• Individual health insurance coverage
• Accidental death and dismemberment
• Credit health insurance
• Skilled nursing care
• COBRA

After suffering the loss of a loved one, the last battle a person wants to fight is one with an insurance company in order to receive the proceeds of a life insurance policy. We have successfully fought and won disputes over life insurance claims, including disputes involving the following issues:

• Accident vs. illness
• Cause of death
• Lapse in coverage/coverage issues
• Change in beneficiary