Articles for Consumers and Insurance Policyholders

Can I sue my HMO? Yes - HMOs can be sued under certain circumstances. Picture of HMO hospital corridor.

Arbitration reduces the value of claims because arbitrators commonly do not make awards to claimants as large as juries and judges do.

Our opponents we have won against have included companies of enormous wealth and power, who hire the best corporate defense firms: Anthem Blue Cross, Aetna U.S. Healthcare, Blue Shield of California, PacifiCare, Health Net, Allstate, State Farm, Progressive, Mercury, 21st Century, Kaiser Permanente, UNUM, Nationwide, National Steel & Shipbuilding, Arch Insurance, Pacific Specialty Insurance, State Fund, Crum & Forster, Farmers, MEGA Life, Gulf Insurance, AIG, McDonald’s Corp., Liberty Mutual, Evanston Ins., the Hartford, National Union, Lexington Ins., Chubb Insurance, Safeco, Auto Club of So. Cal., Travelers, and CIGNA. [Our Landmark Victories]

Can I sue my HMO? What is ERISA?

The Employee Retirement Income Security Act of 1974, 29 U.S.C. § 101, et seq., which is commonly referred to as “ERISA,” preempts (that is, overrides) many state laws that regulate employee benefit plans. Simply put, if you obtain your health insurance, life insurance, or disability insurance through a plan set up by your employer, ERISA probably applies. If it does, your rights are dramatically limited…>>Read More

HMO articles


How to Read an Insurance Policy

How to Read an Insurance Policy

The law requires that insurance policies be drafted in clear language. But anyone who has tried to read a policy knows that they are seldom clear and that they are almost always difficult to read and understand.

Determining what the policy covers and does not cover can be made a little bit easier by knowing how insurance policies are typically structured….>> Read More


General insurance and legal FAQs


Los Angeles, California appeals attorney, Jeffrey I. Ehrlich, is an appellate specialist certified by the State Bar of California’s Committee on Legal Specialization. He is the principal of the Ehrlich Law Firm, in Encino, Los Angeles County, California.