Legal Question in Insurance Law in California

Based on the short blurb in your posting I am not sure exactly what you are asking, or what group life insurance or other benefit you were turned down for.

If you are suggesting that the death benefit under a life insurance policy should be paid based on a finding by Social Security that you are totally and permanently disabled, that is not the way life insurance works.

Although many life insurance policies provide for a waiver of the premiums you would otherwise have to pay to keep the life policy in force if you are totally and permanently disabled, the finding by Social Security while somewhat persuasive, is not necessarily binding on a life or disability insurance company and the standards used may be different.

As the case involves employer sponsored or provided group life insurance, it is highly likely that your rights would be governed by ERISA (unless your employer is a governmental unit or religious organization), a Federal Law originally passed in 1974.

You may wish to call our law firm's Irvine office at 888-ITS LEGAL (888-487-5342) to briefly discuss the matter, without cost or obligation, and determine if we or a firm in the Advocate Law Law Group P.C. Network that does ERISA work might be willing take you on as a client.