Disability Insurance Law Research
We monitor the actions of every disability insurance company nationwide. We constantly report on the latest disability insurance lawsuits, claim handling trends and answer frequently asked questions in order to help disability insurance claimants secure their benefits. Feel free to either leave a comment on any of our articles or privately contact us should you have any questions.
After paying for 13 years Unum Denies Disability Benefits to Woman with Lyme Disease and Endometriosis Inexperienced Lawyer Handles Unum Disability Lawsuit and Fails to Provide Evidence to Support Occupational Argument Can Sun Life deduct Veterans’ Benefits from a monthly disability insurance benefit payment? Is De Novo Review Correct Standard When AIG Failed to Comply with ERISA Regulations in Terminating LTD Benefits? Did U.S. Life Breach its Contract When it Denied Total Disability Claim of ABA Policy Holder? MetLife Pre-Existing Condition Disability Benefit Denial for Back Injury Reversed Can Medical Records Created After the Eligibility Period Support a Claim for Disability Benefits? Does Policy Language of Actively at Work Include Saturday, Sunday and Holidays? Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence? Reliance’s Termination of Disability Benefits was Arbitrary and Capricious When it Discounted Supporting Medical Evidence Without Reason Court Orders Western & Southern Financial Group to Pay Short Term Disability Benefits Is Remand Required If Plaintiff Proves Disability by a Preponderance of the Evidence? Do Courts Require Objective Medical Tests to Support a Fibromyalgia Diagnosis? How Will Sale of Cigna Disability Division to New York Life Insurance Co. Affect Disability Claimants? The Standard’s Denial of LTD Benefits for Financial Planner Upheld by Ohio Court Can Unum Deny My LTD Benefits After Paying For 15 Years? Programmer Denied LTD Benefits by MetLife Upheld by Court Cigna Denial of LTD Benefits for Schlumberger Shop Manager Upheld Court Orders Liberty to Pay LTD Benefits to Plaintiff Who Proved She was Disabled Missouri Court Rules Cigna Wrongfully Terminated Disability Benefits Is Cigna’s Denial of Your Appeal Really a Denial? Court Agrees with Sedgwick and Finds Plaintiff’s ERISA Lawsuit is Time-Barred Missouri Court Orders Cigna to Pay LTD Benefits to Medical Sales Executive Court Holds Plaintiff’s State Claims Preempted by ERISA and Dismissed Complaint MetLife’s Denial of LTD Benefits Was Based on Substantial Evidence Court Rules Proper Standard of Review is Abuse of Discretion District Court Holds That Reliance Standard Did Not Properly Consider Whether Traveling Nurse Could Perform The Material Duties Of Her Regular Occupation Met-Life Denies Benefits when Claimant Fails to Present Evidence to Support His Claim 5 Frequently Asked Questions About Disability Insurance, Answered Ohio National Sued for Not Paying Brokers Who Sold Annuities Court Finds Prudential Abused its Discretion in Denying LTD Benefits Court Denied American General’s Motion for Partial Summary Judgment Court Orders Principal Life to Pay Long-Term Disability Benefits to Plaintiff Massachusetts court overturns Unum’s decision to terminate disability benefits after paying for nearly ten years 8th Circuit Court of Appeal Overturns Award of LTD Benefits for Disabled Walmart Employee Court Rules Against Unum Holding Plaintiff’s Plan is Exempt from ERISA Coverage If Your Long Term Disability Claim is Denied due to a Pre-Existing Condition, All May Not be Lost LTD Claimant’s Failure to Submit Timely Appeal Was Fatal to His Disability Insurance Claim Prudential Wrongfully Relies on Neuropsychological Report to Deny LTD Benefits After 12 Years California Federal Court Orders Metropolitan Life Insurance Company to reinstate benefits to disabled analyst Court Upholds Standard’s Termination of Long-Term Disability Benefits Appeals Court Upholds Hartford’s Termination of Disability Benefits District Court Ordered to Evaluate Unum’s Pre-Existing Condition Claim Managing Partner Gregory M. Dell & Rachel Alters Selected as a Best Lawyers in America© 2019 California Court Overturns Prudential Denial of LTD Benefits Cigna’s Termination of Disability Benefits was Arbitrary and Capricious Court Rules for Paul Revere/UNUM and Holds Plaintiff is not Totally Disabled Court Finds Aetna Had No Credible Argument Whatsoever To Support Its Decision To Deny Benefits To Claimant With MS Court Remands to Sedgwick for Reevaluation of Its Denial of Claim for Disability Benefits Court Criticizes Lina For Failing to Perform Independent Examination Summer 2018 – Welcome to Mosquito, Tick, & Flea Season Aetna Life Insurance Company Ordered by Federal Court Reconsider the Claim of Amazon Employee Disabled Due to Urinary Incontinence Recent Disability Insurance Company Trends Unum Motion to Deny Total Disability Benefits to OB/GYN Denied by Tennessee Judge Metlife Denial of Long Term Disability Benefits For Heart Disease Claimant is Reversed Indiana District Court criticizes Aetna for denying benefits to Amazon Employee Lincoln Financial Denial of LTD benefits after paying for 9 Years is Reversed on Appeal New Department of Labor Regulations for ERISA Disability Claims California Court Reverses Sunlife Disability Denial for Woman with Fibromyalgia Neck Pain and Long Term Disability Insurance Claim Help Is the Hartford Disability Purchase of Aetna Bad for Aetna LTD Policy Holders? Back Pain and Long Term Disability Insurance Claims Lockheed Martin Systems Integration Analyst Wins Long-term Disability Lawsuit against CIGNA Social Security Approval Does Not Mean Disability Insurance Benefits Must be Approved Substance Abuse Disability Insurance Claims Are Challenging when the Claimant is a Doctor Lincoln Financial Insurance Company to Buy Liberty Life Disability Insurance and Group Benefits Division Rheumatoid Arthritis And The Cognitive Dysfunction Connection In Disability Insurance Claims Court Rules Against United of Omaha’s Determination of Disability Date New Jersey Federal Court Rules Against Aetna and in Favor of Systems Analyst Disabled by Degenerative Joint Disease of the Lumbar Spine Unum Tells a Pharmacist On Narcotics That She Is Not Disabled and Denies Benefits Court Orders Principal Life to Reinstate Long Term Disability Benefits Court Remands Finding That Reliance Arbitrarily Denied Disability Benefits Colorado District Court overturns denial of benefits by Life Insurance Company of North America Hartford Disability Company Field Interview Request and Video Surveillance Hartford Long Term Disability Benefit Denial Reversed by Minnesota Federal Judge Principal Life Disability Denial of Truck Driver Reversed by Washington Federal Judge Liberty Wrongfully Denies Long Term Disability Benefit Depression Claim Based on Filed Review Long Term Disability Claims Due to Back Pain United of Omaha criticized for relying on in-house medical review and failing to obtain independent examinations California Court Rules Disability Claim Accrues When Disability Terminates First Unum Cannot Extend Disability Appeal Review Indefinitely Court overturns United of Omaha’s termination of Plaintiff’s benefits after performing an unfair “any occupation” review Neuropsychological Testing in Long Term Disability Insurance Claims Registered Nurse Disabled By Plantar Fascitis Wins Long-term Disability Lawsuit Against United of Omaha Life Insurance Company After Judge Finds Evidence of “Cherry Picking” 9th Circuit Holds That Release In Plaintiff’s Wrongful Termination Lawsuit Bars Subsequent ERISA Benefits Claim California Court Overturns Prudential Denial of Disability Benefits District Court Affords Greater Weight To SSDI Award Than Surveillance Footage 7th Circuit Recognizes Chronic Debilitating Effects Of Fibromyalgia MetLife Changes Brand Name to Spinoff of Retail Brand Brighthouse Court Rejects Expanded Mental Illness Limitation to Coverage First Circuit Finds for Plaintiff and Awards Retroactive Mental Health Benefits Are Cigna Short Term Disability Denials on the Rise? Prudential Denies Long Term Disability Claim Due to Insurance Fraud Texas Court Dismisses ERISA Lawsuit due to Judicial Estoppel Oklahoma Court Remands to Give Plaintiff the Opportunity to Respond to Unum’s Allegations Federal Court Reverses Unum’s Denial of Long-Term Disability Benefits Federal District Court Overturns Hartford’s Denial of Long Term Disability Benefits Michigan Court Finds Plaintiff Eligible for Long Term Disability Benefits Prudential Denial of Disability Benefits to Employee that Was Disabled While Working is Reversed Liberty Mutual Ignores SSDI Approval and Denies LTD Benefits Wrongfully Hartford Denial of Disability Benefits to Claimant with Fibromyalgia is Reversed! Do You Know What Is Needed To File An ERISA Appeal? Aetna Long Term Disability Lump Sum Buyout or Settlement 9th Circuit Clarifies The Definition Of “Sedentary Work” Department of Labor Issues New Disability Claims Regulations Under ERISA Affecting Disability Claims Filed in 2018 Gorsuch May Bring Employer-Friendly Approach to ERISA Cases The Dangers of Social Media and Disability Insurance Claims MetLife Denies Third Claim for Disability Benefits After Approving Two Separate Prior Claims for Disability Benefits for Chronic Fatigue Syndrome Sufferer Texas Judge Disagrees with Cigna and Applies Claimant Friendly Disability Standard of Review Michigan Court Reverses AT&T’s Denial of Plaintiff’s Two Claims for Short Term Benefits Utah Judge Reverses MetLife’s Denial of Mental Disability Long Term Benefits Florida Court Upholds Hancock’s Termination of Long Term Care Benefits MetLife Loses Case Over Unfair Life Insurance Disbursement Practices Texas Judge Rules No New Medical Evidence Allowed Post ERISA Disability Appeal Court Orders United of Omaha to Pay Death Benefit, Attorney’s Fees and Prejudgment Interest Disability Insurance Companies Deny Claims Based on Non Compliance Great West Disability Claim Help for Dentist MetLife Disability Settlement Buyout Legal Help Court Finds Multiple Errors and Orders Aetna to Pay Claimant Long Term Disability Benefits Reliance’s Delay in Denying Disability Claim May Affect Standard of Review Hartford Disability Claim Problems Attorneys Dell & Schaefer 2016 Employee Halloween Costume Contest Reliance Erred in Denying Disability Benefits When Physical Conditions Caused Disability Court Orders Metlife to Re-evaluate the Denial of Disability Benefits to Citibank Employee Maintaining Approval of Your Long Term Disability Benefits Requires Care and Treatment One Year Period to File Lawsuit Following Liberty Life Insurance Denial is Valid Liberty Life Has a Conflict of Interest and Court Orders Reinstatement of Long-Term Disability Benefits Standard Insurance Wins Appellate Remand for Claimant’s Own Occupation Disability Determination Unum Denial of Disability to Claimant with Lyme Disease Remanded by Washington ERISA Judge Met Life Slammed by California Judge for Long Term Disability Denial Court Orders Sedgwick to Pay Disability Benefits to Claimant with Carpel Tunnel Syndrome Even though the Employer Offered Her Accommodations Texas Ban on MetLife’s Discretionary Clause is Great for Long Term Disability Claimants California Court Agrees with MetLife’s Denial of Dismemberment Claim New York Federal Court Orders Aetna to Pay Long Term Disability Benefits Lyme Disease Carrying Tick Has Spread to 50% of U.S. Counties Unum Disability Claim Dismissed For Failure To File a Timely Claim Hartford Life Abused Its Discretion by Failing to Advise of Need for an FCE Michigan Court Remands Aetna to Reconsider Disability Benefit Denial Court Upholds Principal Life’s Denial of Extended Disability Benefits Washington Court Finds Liberty Erred in Terminating Disability Benefits Court Agrees: Principal Life Correctly Terminated Disability Benefits Court Remands Sun Life to Consider Social Security’s Decision to Award Plaintiff Disability Benefits Federal Court Orders Principal Life Insurance Company to Pay Disability Benefits Texas Court Orders Union Central to Provide Discovery to Plaintiff Claimant is Ordered to Pay Attorney Fees to Standard for Failing to Exhaust Her Administrative Remedies Court Orders Aetna to Pay Disability Benefits when Plaintiff was Found Capable of Working MetLife Disability Denial Upheld when Claimant Files Lawsuit Without ERISA Appeal Court Finds Sedgwick Wrong to Deny Benefits Without Considering Claimant’s Actual Job Duties Ohio Court Allows Investigation Into Reliance Standard Conflict of Interest After Disability Denial Arkansas Court Reverses Liberty Life’s Disability Denial for a Nurse Gregory Dell and Stephen Jessup discuss their experience in handling Liberty Mutual claims at all stages Sappi Company’s Difficult Definition of Disability is Not Illegal According to Minnesota Federal Court Washington Court Finds Omaha Wrongfully Relied on Video Surveillance to Deny Disability Benefits Can UNUM Be Sued for Defamation in a Disability Insurance Case? Massachusetts Court Reverses Liberty Disability Denial for Failure to Examine or Consider Subjective Pain Court Sides with PNC: A Claimant Must Provide Proof of How Condition is Disabling MetLife Disability Buyout and Lump Sum Settlements are Back Stephen Jessup and Gregory Dell discuss their experience in handling claims with Principal Financial Unum Disability Benefit Denial Trends, A Legal Perspective A New Bait and Switch Tactic by Unum Disability Insurance Company Sun Life’s Video Surveillance Backfires & is Ordered to Pay Disability Benefits Court Allows Aetna to Use the Dictionary of Occupational Titles to Deny LTD Benefits Court Rules Aetna Erred in Denying Long term Disability Benefits Federal Court Agrees with Aetna’s Termination of Disability Benefits Court Orders Aetna to Reconsider Termination of Disability Benefits Where Aetna Completely Ignored Treating Doctors Records and Recommendations When neither the Insurance Company nor the Claimant Can Produce the Original Disability Policy, the Burden is on the Plaintiff to Prove the Terms of His or Her Policy California Court Finds Anthem’s Long Term Disability Denial Unreasonable Federal ERISA Lawsuit Filed Against Prudential After It Denies Long-term Disability Benefits to Insured With Parkinson’s Disease Florida Court Holds Anthem Does Not Need to do Vocational Testing in Disability Denial Michigan Court Agrees With Anthem’s Denial of Long Term Disability Benefits Anthem Disability Claim Denial Reversed by Nevada Court Oregon Court Orders Standard to Pay Plaintiff Prejudgment Interest Disability Denial Remanded to Anthem for Analysis of Claimant’s Job Duties Federal Court Orders Anthem Life & Disability, to Reinstate Improperly Terminated Long Term Disability Benefits to a Fibromyalgia Claimant Attorneys Dell & Schaefer and Art Serve present Lee Berlin – Evolution Vermont Federal Court Makes ING / Reliastar Reevaluate its Denial of LTD Benefit Under Any Occupation Definition Lincoln Financial Beats to Their Own Drum With Long Term Disability Claims Federal ERISA Lawsuit Filed Against CIGNA Following Its Decision to Terminate the Long-term Disability Claim of an Insured Suffering from Severe and Chronic Lower Back Pain Accidental Death Benefit Denied By National Union Fire Insurance Due To Language of Policy Exclusion Unum Denies Disability Benefits to 53 Year Old Woman After Paying for 16 years GE Benefit Denial Overturned For Plaintiff with Permanent Loss of Function of His Foot Cigna’s Disability Denial Of Woman With Chronic Pain and Depression Reversed And Not Subject to Mental Nervous Limitation Metlife – Latest trends seen in handling ERISA and private disability insurance claims Cigna’s latest strategies for handling and denying disability benefit claims It is official, Anthem to buy Cigna, potentially creating the largest health insurer in the U.S. IME Exams from Disability Insurance Companies are on the Rise Court Rules That Sun Life Did Not Properly Review a Mental Nervous Disability Claim Is Unum Denying More Disability Benefit Claims Than Usual? The Institute of Medicine (IOM) Proposes New Diagnostic Criteria and name for Chronic Fatigue Syndrome Federal Appeal Court Upholds District Court Order to FedEx to Pay Long Term Total Disability Benefits to Its Employee WARNING: Lincoln Financial Disability Denial Requires Two ERISA Appeals before Filing Suit Federal Court Orders Aetna to Pay Long Term Disability Benefits to Their Own Employee Is Reliance Standard Wrongfully Offsetting Your Disability Insurance Benefit? Aetna Gets Thrashed by Judge Thrash For Denial of Long Term Disability Insurance Benefits to an Aetna Employee MetLife Denial of Disability Benefits For Woman With Fibromyalgia Remanded By Massachusetts Federal Judge North Carolina Federal Appeals Court Dismisses Disability Lawsuit Against Prudential As Untimely California Federal Court Finds Coverage Provision in Aetna Long-term Disability Plan to Be Ambiguous Criminal-Act exclusion does not apply without sufficient causal nexus Beware: MetLife Disability Insurance Policy Only Provides Three Years to File An ERISA Lawsuit Federal Government Questions Financial Stability of MetLife Court Remands Fibromyalgia Case for Further Consideration after Finding MetLife Failed to Consider FCE Report and Vocational Evaluation Federal Court Examines Vocational Reviews and ERISA Disability Disability Companies Are Wrongfully Using the 24 Month Mental Nervous Limitation Court Awards Attorney’s Fees After Disability Insurance Claim is Remanded Back to Sun Life United States District Judge Rules that Unum’s Decision to Deny Continued LTD Benefits Was Wrong because It Failed to Consider Relevant Evidence Does ERISA require Plan Administrators to have my claim reviewed by an independent vocational expert? Statute of Limitations Provision In Disability Policy Enforceable under ERISA Northern District of Illinois determines the exception to The Standard’s “limited conditions” provision does not apply when plaintiff failed to provide current positive MRI evidence of a herniated disc Disability plan administrator cannot use theoretical job as basis to deny claim After Appeal by Dell & Schaefer, Cigna overturns its decision to deny Short Term Disability Benefits Fibromyalgia Claimants are Finally Being Heard: California Court Rules that Prudential May Not Deny Claim Based on Lack of Objective Evidence of Fibromyalgia or Chronic Fatigue Syndrome 4 reasons that make a disability insurer’s denial of benefits arbitrary and capricious Discretionary Clause in Boeing’s Long-term Disability Plan Found to Be Legal, Despite California Statute Banning Discretionary Clauses Sedgwick Continues monitoring application for SSDI benefits even after terminating disability claim Eaton Corporation Employee Losses ERISA Disability Insurance Lawsuit as Court Says Ability to Perform Part-Time Works is Ability to Perform Any Occupation UNUM Sues Long Term Disability Claimant for Overpayment and Wins Are the opinions of your treating physician’s entitled to more deference? $1,000,000 in Unum Disability Benefits for an Attorney, Blackmail, and Supreme Court Denies Cert! AIG Repeatedly Denies Disability Benefits to a Colorado Woman with Fibromyalgia After Change of Disability Definition Pennsylvania Court rules Unum did not abuse its discretion in denying LTD benefits to woman who claimed she could not work for her employer under her current supervisor Court Allows Additional Evidence at Trial in ERISA Disability Case Tennessee Court Rules That Hartford’s Failure to Examine Patient Was An Abuse of Discretion and Overrules Disability Denial Claimant Wins Summary Judgment Motion against MetLife After Court Determined that MRI was Sufficient to Diagnose Radiculopathy Insurance policy intoxication exclusions are as ambiguous as they come Do Not Sleep on Your Rights to Disability Benefits Claimant Unsuccessful in Disability Insurance Lawsuit against Boston Mutual Life Insurance Company in a Louisiana Lawsuit Suffering From Chronic Severe Lyme Disease? You Are Not Alone. California Court Rules That Hartford Acted Unreasonably and Reverses Disability Denial Unum Disability Denial For 24 Month Self Reported Pain Limitation Due to Migraines Upheld By Virginia Court Sun Life Reversed Decision to Terminate Accountant’s Residual Disability Benefits Based on Her Medical Records and Physician Opinions, but Denied Her Benefits After Determining that Her Income While Disabled Was Greater Than 80% of Her Pre-Disability Income Cancer and Long Term Disability Insurance Policies Former Employee of Proctor & Gamble Loses Federal ERISA Lawsuit Claimant with Fibromyalgia and CRPS wins minor victory when U.S. Court of Appeals Vacates Judgment and Remands Case back to Sun Life for Re-evaluation Claimant with Fibromyalgia and CRPS Battles Sunlife for 5 Years Seeking Disability Benefits Sun Life Terminates Benefits After 24 Months Based on Nine Days of Surveillance Former Maintenance Mechanic Loses Claim For Denial Benefits Against Reliance Standard Life Insurance Company, After Employer Makes Oral Misrepresentations Concerning Disability Insurance Coverage California Federal Court Finds Man Disabled, Overturns Unum’s Decision that denied Long Term Disability Benefits Is Cigna’s Medical Director John M. Mendez Licensed to practice medicine? Court Finds Objective Evidence Alone, Without Supporting Subjective Evidence, Is Not Enough To Prove Disability, Rules in Favor of Hartford A Letter to Cigna CEO Following Denial of Disability Benefits to a Wheel Chair Bound Woman MetLife Improperly Applies Limitation For “Neuromusculoskeletal and Soft Tissue Disorder” to Long Term Disability Claim United of Omaha Life Insurance Co. Denial of Long Term Disability Benefits Reversed By Alabama Judge Court grants partial summary judgment in favor of Plaintiff, remanding claim back to Aetna to review records it failed to review during the appeals process Lawsuit Against IME Physician Alleging Fraudulent Misrepresentation By IME Physician Dismissed by US District Court Anesthesiologist Loses Disability Insurance Lawsuit Against Sun Life Assurance Company in Pennsylvania Federal Court Attorney sues Unum to recover benefits after Unum terminates disability claim after learning attorney committed fraud; Unum counterclaims for over $1 million in overpaid benefits Insured’s Lawsuit Dismissed By Massachusetts Federal Court For Being Filed Too Late US Supreme Court to Hear Disability Insurance Case Against Hartford Insurance Company California Court holds that Hartford Abused Its Discretion in Denying Amazon.com employee LTD Benefits Pennsylvania Court Awards Long Term Disability Benefits To Claimant, Finds Aetna Abused Discretion By Failing To Consider Self-Reported Symptoms Credibility Judgments Without IME Lead to Remand Back to Libery Life for Full and Fair Review in Kentucky ERISA Disability Lawsuit Missouri Court Awards Full Disability Benefits in Mental Nervous Condition Case Against Hartford New York Court Recognizes Unum Insurance Company’s History of Biased Claims Administration and Permits Discovery Into a Potential Conflict of Interest New York Judge’s 168 Page Ruling Finds In Favor Of Hartford’s LTD Benefit Denial In ERISA Lawsuit Dell & Schaefer Managing Partner Gregory Dell Named to 2014 Best Lawyers® in America List Alabama Court Refuses To Consider Additional Medical Evidence Submitted After Metlife’s Denial Of Claimant’s One Mandatory ERISA Disability Appeal Objective versus Subjective: Evidence Requirements in ERISA Disability Lawsuits Aetna Ordered to Produce Internal Statements of Policies, Procedures and Guideline Relative to Claimant’s Long-Term Disability Claim New Research Reveals Potential “Cause” of Fibromyalgia and Objective Test Appellate Court Rules That Hartford’s Failure to Examine Patient Was An Abuse of Discretion and Overrules Disability Denial Beware of Unfavorable Language Limiting the Maximum Pay Period of Neuromuscular, Musculoskeletal or Soft tissue Disorder in MetLife Group Long-term Disability Policies CNN Publishes Story on Lyme Disease as a Disabling Condition Cigna Makes Disability Insurance Claim Claimant Live in Fear of Claim Denial What You Should Be Aware of When Purchasing a Lloyd’s of London Disability Insurance Policy CIGNA Reaches Regulatory Settlement Agreement with Massachusetts Prompting the Review of Disability Benefit Denials Cigna Long Term Disability Insurance Settlement Agreement Information Aetna and The Rawlings Company LLC Seek to Reduce Your Disability Benefit Northwestern Mutual Disability Claim Denial Reversed By Court To Remand or Not to Remand: One Court’s Opinion on When to Remand a Claim for Long Term Disability Benefits under an ERISA Aetna Policy 3 Ways Hartford Wrongfully Denied Long Term Disability Insurance Benefits to Claimant with MS Mass Court Finds Johnson & Johnson Abused Its Discretion In Long Term Disability Claim Michigan Court Upholds Metlife Denial of Benefits as Claimant Failed to Prove Disability Hartford Prevails in ERISA Lawsuit Demonstrating ERISA Law can be Unfair for Claimants Sometimes a Unum disability denial is correct, even after 5 years of payments MetLife Ordered to Pay Disability Insurance Benefits to MetLife Employee with Lyme’s Disease Migraine and Headache Disability Insurance Claims are Common Beware of the CIGNA “Vocational Rehabilitation Assistance Program” A Claimants View of a Standard Insurance Company Disability Benefit Claim Mutual of Omaha disability denial remanded for wrongful evaluation of occupation Failure to treat your medical condition can lead to termination of long term disability benefits Sun Life Disability Claim and SunLife Ignores Medical Information Sedgwick and AT&T sued as a result of SSDI Overpayment MetLife disability insurance plan has terrible language, but it complies with ERISA Six year disability lawsuit against Sun Life: long term disability claimant wins benefits plus interest Failure to file a timely ERISA disability appeal can eliminate your right to file a disability lawsuit Court rules Cigna cannot use 24 month mental health limitation to deny disability benefits California State Disability Benefits Process is Now Online! Disability benefit denial lawsuit against Liberty Life and HSBC can proceed When is it safe to assume the disability company won’t deny my disability insurance claim? Cigna disability video surveillance is common but hiding the results is not ACI Recognizes Gregory Dell as a Disability Expert Cigna Exposes Disability Plan Administrator To $9,900 ERISA Penalty For Failure To Produce Plan Documents FedEx and Aetna Disability Benefit Claim Ruling is Great for Disabled FedEx Employees Court Rules That Walgreens Employee’s Long Term Disability Claim Lawsuit Shall Not Be Dismissed Hurricane Sandy Causes Problems for NJ Resident Seeking Prudential Disability Insurance Benefits Hartford abused its discretion by relying on video surveillance and ignoring medical evidence Dow Chemical Employees May Always Get A Fair Review of Disability Denial State of Vermont Abolishes Discretionary Clauses in ERISA Disability Policies Another study confirming that medication overuse can make headaches worse Lincoln National denies accidental death benefits after jet ski accident and Court agrees Unum Insurance Is Financing Medical Studies Which Could Be Prejudicial to Disability Claimants Unum Calculation Of Monthly Earnings Results In Loss Of $10,000 Monthly For Quadripeligic Disability Claimant Court Orders Hartford to Disclose Relationship with University Disability Consortium Aetna Disability Benefit Denial for Former Boeing Employee is Upheld by Appeal Court Three Important Things to Consider When Applying for Disability Insurance Benefits Is my disability insurance policy subject to or governed by ERISA? Federal Court Orders Unum to Release Documents Following Disability Insurance Denial Long Term Disability Insurer the Standard May Seek Recoupment for an SSDI Overpayment from a Claimant Who Declared Bankruptcy Ambiguous Disability Policy Language is Construed in Favor of Disability Claimant with Berkshire Life Policy Federal Court Upholds Unum Disability Benefit Denial Court Throws Out Disability Benefit Denial Based on Aetna’s Internal Physicians’ Review Florida Courts Have A Complicated Six Step Disability Insurance Denial Protocol Disability Attorney Gregory Dell Appears on the Ed Tyll Radio Show Johnson & Johnson Employee with Depression Denied Disability Benefits After Definition Change Liberty Mutual Ordered to Pay Attorney Fees in Disability Denial Lawsuit MetLife Disability Denial of MetLife Employee Upheld by California Court Sedgwick Disability Denial of AT&T Employee Reversed Once Again Texas Court Upholds Prudential Disability Insurance Denial Texas Disability Insurance Attorney Regularly Fight ERISA Disability Denials Do I Qualify For Total Disability Insurance Benefits In Texas? Texas Disability Insurance Companies Can Be Subject to Bad Faith Claim Unum Disability Beneft Denial Overturned for Pre-textual Investigation “Any occupation” disability insurance claim discussed by a California Disability Lawyer A Successful California Disability Insurance Claim Does Not Require “Absolute Helplessness” Reliance Standard Disability Insurance Denial Upheld by California Court Fibromyalgia Claimant Wins MetLife Disability Insurance Lawsuit California Disability Insurance Attorneys Battle Discretionary Clauses Daily MetLife Disability Claim Limited to 24 Months of Benefits Results in ERISA Lawsuit Cigna Denies Disability Benefits, But Additional Information Could Have Resulted In A Victory California Court denies Plaintiff’s Attempt to Introduce New Medical Information During ERISA Disability Lawsuit Against Hartford for Long Term Disability Benefits Boeing Employee Suffering From Severe Chronic Back Pain Sues Aetna For Denial Of ERISA Benefits Sedgwick And AT&T Disability Denial Scheme Exposed In ERISA Lawsuit Unum Disability Denial With Medical Record Review Only Sun Life Pays Disability Benefits For Three Years To A Claimant Who Wasn’t Actually Covered Under A Sun Life Policy Another Cigna Hired Gun Doctor To Be Exposed! California Federal Court Finds That MetLife Abused Its Discretion And Awards Financial Analyst Long-Term Disability Benefits Unum Sued By An Ophthalmologist And A BJC Healthcare Employee Who Both Were Denied Disability Benefits Misrepresentation By Claimant Results in Unum Disability Claim Denial Aetna Is Sued For Failure To Pay ERISA Benefits To Boeing Employee For Injuries Sustained In A Shooting Pennsylvania Pharmacy Owner Learns The Hard Way That Accuracy Is Everything When Applying for Disability Insurance Benefits New York Federal Court Denies MetLife’s Motion To Dismiss Lyme Disease Victim’s Petition For Disability Benefits Will A $38 Million Loss Result In More Prudential Disability Insurance Claim Denials? Do You Know The Differences Between ERISA Disability Policy And NON-ERISA Disability Policy? A Claimant’s View of a Prudential Disability Benefit Denial Eastman Chemical Company Employee Loses Lawsuit Against MetLife for Disability Benefits Do You Know The Job Requirements To Be A Lincoln Financial Disability Claim Specialist? Bon Secours Employee Wins Lawsuit Against Unum who had Denied Him Disability Benefits Kentucky Woman Wins Lawsuit Against Mutual Of Omaha Insurance Prudential Claimants Unsuccessful At Challenging The Offsetting Of Dependents’ SSDI Benefit Award Minnesota Disability Claimant Filed Suit Against Employer Over Terminated Disability Benefits Court Finds MetLife Has No Right To Request An IME After Unnecessary Delay Court Takes Sun Life To Task For Denial Of Disability And Life Insurance Benefits Of Man With Brain Tumor Sedgwick Terminates PNC Compliance Specialist’s Long Term Disability Benefits CIGNA Disability Claim Denial: A Claimant’s View American Red Cross Worker Sues Reliance Standard Life Insurance Company For Wrongful Termination of Long Term Disability Benefits North Carolina Court Determines That Sedgwick Abused Their Discretion And Wrongfully Denied Disability Benefits For BellSouth Employee Total Knee Replacement, Yet Sedgwick Still Denies AT&T Employee’s Disability Claim Two Takes on Fibromyalgia Are Independent Medical Evaluation (IME) Providers Really “Independent”? Unum Tries To Hide Fact That Its “Independent” Medical Advisors Are Actually Employees Of Unum DRS Technologies Employee Sues Prudential For The Wrongful Termination Of Long-Term Disability Benefits Court Compels Metlife To Reconsider Its Decision To Terminate Claimant’s Long-Term Disability Benefits KeyCorp District Manager Sues The Prudential Insurance Company Of America For Improper Termination Of Long-Term Disability Benefits Unum CEO Testifies At US Senate Hearing About Disability Insurance Pennsylvania Court Awards STD Benefits And $27,000 In Attorneys’ Fees To Phlebotomist Toyota Quality Assurance Monitor Sues Life Insurance Company Of North America For Denial Of Long-Term Disability Benefits Microsoft Employee Sues Prudential For Wrongful Denial Of Long-Term Disability Benefits Illinois Insurance Law Gives Claimant A Fighting Chance Against Disability Insurance Company Asurion Employee Files Lawsuit Against Life Insurance Company Of North America For Wrongful Termination Of Long-Term Disability Benefits Court Orders Life Insurance Company Of North America To Pay Claimant Long-Term Disability Benefits Clopay Corporation Customer Service Representative Sues Prudential For The Wrongful Denial Of Long-Term Disability Benefits Kirk & Blum/CECO Environmental Employee Files Lawsuit Against Lincoln Financial Group For Wrongful Termination Of Long-Term Disability Benefits Hartford Disability Denial of Insurance Agent with Fibromyalgia and Chronic Fatigue is Reversed Employees of Staples & Nortel Networks among Four Plaintiffs To Sue Prudential For Wrongful Denial Of Long-Term Disability Benefits Who is Making the Decisions on a Sun Life Disability Benefits Claim? Aetna Disability Denial of Marriott Employee Upheld by Louisiana Federal Judge Medical Doctor Suffering From Disabling Chronic Conditions Sues AXA Equitable For Wrongful Denial Of Disability Benefits Lincoln Financial Disability Denial: Determining a Date of Disability is Critical Liberty Mutual Disability Denial Of Wachovia Employee Upheld By Appellate Court 56-Year-Old Disabled District Manager Of Dollar Financial Group Sues Aetna For Denial Of Disability Benefits Hartford Interview Request Is A Trap Used To Support A Disability Denial Assistant Vice President of Meadowbrook Insurance Group files a lawsuit against CIGNA for denied disability benefits claim Weston Engineering employee sues AETNA Life Insurance Company for denied disability benefits Sedgwick continues to deny disability benefits to AT&T employee Long time Bank of America employee sues AETNA for denial of disability benefits CIGNA faces a lawsuit by American Homecare Supply Respiratory therapist for termination of disability benefits Tempur employee suffering from chronic fatigue syndrome sues Union Central Life for denial of disability benefits Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits Texas claimant takes Reliastar to task for denied disability benefits Duke University Doctor sues UNUM Life Insurance Company for long term disability benefits California Consultant sues Northwestern Life Insurance Company for unpaid disability benefits At least five lawsuits were recently filed in Florida District Courts against Prudential for non-payment of disability benefits to deserving claimants Electrical assembly worker for Northrop Grumman files a complaint against UNUM for denial of long term disability benefits CIGNA under fire in Minnesota Federal Court for termination of claimant’s disability benefits Question writer for Jeopardy/Sony Pictures files suit against Prudential New Jersey claimant files suit against New York Life, Unum and Paul Revere for miscalculated disability benefits New Jersey BankUnited employee files suit against Lincoln National Office Depot employee files suit against employer and Aetna for unpaid disability benefits Dental surgeon sues Paul Revere Life Insurance Company for wrongful denial of long-term disability benefits Bank of America, Boeing, and Cytec Industries employees file lawsuits against Aetna Life Insurance Company over disability benefits Northwestern Mutual sued by shareholder attorney for underpaying and denying long-term disability benefits CIGNA has three new lawsuits to deal with for unpaid disability benefits Employees of Wells Fargo, Heinz, and Otis Elevator sue Liberty Life for denial of ERISA benefits Registered nurse at Temple University Hospital denied disability benefits, sues Cigna Aetna Life Insurance Company sued by Bank of America and Huhtamaki employees for failing to provide ERISA benefits Disabled attorney forced to sue UNUM for her disability benefits 5 disability lawsuits recently filed against UNUM in TN, OH, MO, and MI Liberty Life faces disability benefit lawsuits in Florida and Maryland for denying disability benefits CIGNA/LINA sued by Lockheed Martin employee for unpaid disability benefits Radio personality files lawsuit against UNUM to recover disability benefits Liberty Mutual must consider disability appeal submitted 2.5 years after denial CIGNA denies disability claim and gets sued by neurologist Microsoft employee denied disability benefits by Prudential Five lawsuits recently filed in Florida Courts against Prudential for non-payment of disability benefits to deserving claimants General surgeon files lawsuit against Provident Life and UNUM for disability benefits award Two Yellow Book employees sue Liberty Life Assurance Company of Boston for failing to pay ERISA disability benefits Social Security Disability Benefits Approval the First Time Microsoft employee forced to sue Prudential for denial of ERISA disability benefits Wyeth Pharmaceutical/Pfizer Senior Attorney suffering from disability sues Ohio National Life Insurance Company for denial of disability benefits Panasonic and Microsoft employees sue Prudential in Tennessee and Indiana for denying their disability claims Employees of Boeing and Bank of America sue Aetna for denying disability benefits under ERISA regulations Disabled Georgia man sues Boston Mutual for denial of disability benefits After being denied disability benefits, Rabbi suffering from bipolar disorder sues CIGNA Jury orders Unum Provident to pay lifetime long term disability insurance benefits to physician Prudential denies disability benefits to KPMG employee suffering from “sick sinus” syndrome Liberty Life Assurance Company of Boston sued under ERISA in three different cases for denial to pay disability benefits UnitedHealth Group, Inc. Recruiting Manager suffering from depression and anxiety denied benefits Standard Motor Products Employee file an ERISA Lawsuit against Prudential Insurance for denied disability benefits Ohio National Life Insurance Company denies claim after 7 years of disability payments Ladenburg Thalmann Branch Manager suffering from injured back sues CIGNA for denial of disability benefits Disability attorney and client suffering from fibromyalgia and hypertension sue UNUM for unpaid long term disability benefits Nestle Waters employee sues Assurant for denial of disability benefits under ERISA Prudential Insurance Company of America recently sued three times under ERISA for denying disability benefits Delta Air Lines Customer Service employee files lawsuit against Sedgwick Claims Management Services, Inc. for denial of disability benefits Life Insurance Company of North America sued under ERISA in three different cases for denial to pay disability benefits TRW Automotive Holdings Corporation financial analyst suffering from Type II diabetes and heart condition sues Prudential Disabled South Carolina doctor sues Berkshire Life for disability benefits Steel fabricator suffering from disability wins lawsuit against Lincoln National Two Comcast employees and a registered nurse file three ERISA lawsuits against Liberty Life Insurance in Pennsylvania for denial of disability benefits Wisconsin disability attorney and client sue Prudential Life Insurance for its “baseless” denial of ERISA disability benefits Disability attorney sues Aetna Life Insurance for failure to pay short term disability benefits to Huhtamaki Americas employee Shaw Industries Group employee suffering with fibromyalgia and lupus sues Unum Life Insurance Company for denial of disability benefits 12 years of disability payments paid, but CIGNA suddenly determines claimant can perform sedentary job CIGNA pays disability benefits for 10 years, offers a lump sum buyout and then denies disability claim Medical Secretary suffering from “failed back syndrome” and leukemia sues The Standard Insurance Company for disability benefit denial Medical Doctor sues Guardian / Berkshire Life Insurance Company Of America for $1.2 million dollars following denial of disability insurance benefits Court of Appeals, Seventh Circuit ruled Unum Life Insurance Company Of America is prevented from using Self-Reported Symptoms Limitation Clause to discontinue long term disability benefits payments for woman with fibromyalgia Prudential denies disability benefits despite FCE Exam stating former Data Distributor Inc. employee with heart condition cannot perform sedentary occupation Group Health Plan Inc’s Actuary sues Reliastar Life Insurance Company and ING Disability Claims Management Services for recovery of disability benefits under The Ramsey Health Care Services Short Term Disability Plan CIGNA denies disability insurance benefits to Engineering Manager with Stage 4 cancer Registered nurse & her california disability lawyer sue Unum Life Insurance Company for failure to pay disability benefits Massachusetts Disability Attorney filed lawsuit against the Aetna Life Insurance Company on behalf of Biogen Idec, Inc’s IT Technical Ops Lead for denial long term disability benefits Law office bookkeeper with lupus and fibromyalgia denied disability benefits by Unum Life Insurance Company of America in Indiana Jean Pentecost and her Montana disability lawyer file a complaint against CIGNA What is Liberty Life Assurance Company of Boston trying to hide in denial of disability benefits? A phlebotomist employed by Quest Diagnostics and diagnosed with RSD sues Aetna for denial of long term disability insurance benefits CIGNA entitled to recover social security disability benefit overpayment Cigna denies Herff Jones Inc. employee disability benefits after she is diagnosed with multiple sclerosis Bridgestone employee sues Liberty Life Assurance Company of Boston for long term disability benefits Oregon Judge orders Standard Insurance Company to pay disability insurance benefits beyond the 24 month mental disorder limitation California Judge grants disability claimant’s request to investigate Hartford Life And Accident Insurance Company’s relationship with hired doctors Life Insurance Company Of North America denies disability benefits and battles claimant for 4.5 years in Federal Court Standard Insurance Company’s attempt to dismiss disability insurance lawsuit is denied in-part by Florida Federal Judge California Court orders CIGNA to disclose amount paid to MES Solutions for medical reviews Federal Judge orders Sedgwick Claims Management to pay disability benefits to PNC Financial Services Group, Inc’s Collection/Recovery Team Manager Appellate Court denies Liberty Mutual’s attempt to recover $163,661.57 in disability benefits paid to disability claimant and business owner Court Of Appeals agrees with Texas Judge that UNUM did not abuse its discretion in denying Accenture LLP’s employee’s claim for disability benefits Hartford Life And Accident Insurance Company denies disability benefits and prevails in lawsuit filed by operator for Mohawk Inc. California disability attorney sues Standard Insurance Company for denial of long term disability benefits payments to paraplegic Tenet Healthcare Corporation employee sues UNUM Life Insurance Company Of America under ERISA for wrongfully denying disability benefits by disregarding attending physician’s medical opinion Claimants under HSBC North America Holdings, Inc. Group Long Term Disability Benefits Plan sue Unum Life Insurance of America in Illinois and Nevada Disabled IKA Works, Inc. employee sues the Prudential Insurance Company of America to compel payment of disability benefits under an ERISA plan Appellate Court upholds Prudential’s decision denying disability benefits to insured when he refused to attend an IME Exam Arkansas disability attorney filed lawsuit against Sun Life and Health Insurance Company on behalf of disabled Buford Media Group, LLC’s Office Manager for denial of disability benefits Disabled project manager for RTP Technology Corporation filed lawsuit against the Unum Life Insurance Company of America for refusal to pay disability benefits Unum Life Insurance Company of America sued for claiming social security child benefits as part of the reimbursement for overpayment of long term disability benefits New Jersey disability attorney filed lawsuit against Prudential Insurance Company of America to compel payment of long term disability benefits to disabled client Disabled engineer from Philips Electronics North America sue Sedgwick Claims Management Services Inc. for denial of long term benefits claim Office medical specialist suffering with fibromyalgia and CFS hires Arizona Disability Attorney to sue CIGNA for denial of disability benefits CIGNA Group Insurance and Subsidiaries sued in Alabama, New York and Michigan for allegedly acting arbitrarily and capriciously in denying claims for long term disability benefits Xerox employee is denied her long term disability benefits and sues Sedgwick and Xerox Sun Life Insurance Company is sued for disability benefits in two separate cases for arbitrary and capricious denial of disability claims Insurance sales agent files a disability insurance denial lawsuit against Liberty Life Assurance Company of Boston 30 year veteran employee of 3M Company sues company and Sedgwick Insurance for disability benefit denial Sunlife denies disability benefits to Wise Foods employee disabled by cancer and shoulder surgeries Court stops UNUM from denying disability benefits based on the plan’s “Self-Reported Symptoms Limitation” Prudential terminates disability benefits of traumatic brain injury claimant in a case of mistaken identity Cigna denies disability benefits to former Healthsouth Corporation nurse after paying for 11 years Former Charles Schwab Corporation employee sues Liberty Life Assurance Company of Boston for denial of long term disability benefits Disabled Unisys network design engineer sue Aetna Life Insurance Company seeking payment of long term disability benefits Fifth Circuit Court Of Appeal denied Estate Of Pepsiamericas, Inc.’s employee motion to recover accidental death and dismemberment benefits from group disability insurance plan issued by Unum Unum Insurance claims no object evidence exist and denies disability benefits to St. Anthony Central Hospital nurse suffering from fibromyalgia AT&T employee with back injury sues Sedgwick Claim Management Services, Inc. for denial of short term disability benefits Disabled interventional radiologist with sleep apnea and cardiac limitations sues Unum Provident and Hartford Life for denial of long-term disability benefits payments Disabled employee of University Of California Davis diagnosed with fibromyalgia sues Liberty Mutual for denial of disability benefits and seeks punitive damages Northwestern Mutual Life Insurance Company denies partial disability benefits to trial attorney resulting in lawsuit for violations of Washington Insurance Fair Conduct Act Dearborn National/Dearborn Group faces disability denial lawsuit from disabled account clerk of Katz Insurance Group diagnosed with PTSD Washington disability attorney filed lawsuit against the Hartford Insurance Company for denial of long term disability benefits to mentally disabled woman UNUM denies disability insurance benefits to disabled nurse with fibromyalgia and osteoarthritis A former HCBS sales manager diagnosed with lyme disease sues UNUM Life Insurance for disability claim denial Anesthesiologist files lawsuit against Paul Revere Life Insurance Company alleging wrongful deduction of social security retirement benefits Podiatrist sues Northwestern Mutual seeking disability insurance benefits and bad faith damages Missouri disability lawyer files ERISA lawsuit against Lincoln National Life Insurance Company for denying LTD benefits Do you trust disability insurance companies will pay benefits if you are disabled? Former Zurich Insurance employee diagnosed with crohn’s disease sues Liberty Life for denial of disability benefits Prudential Insurance sued by disabled HNI Corporation employee for denial of disability insurance benefits after 7 years Nevada disability lawyer and COX Enterprises Inc’s customer service rep sue AETNA Life Insurance Company for denial of disability benefits CIGNA Life Insurance Company denies disability benefits yet social security disability benefits are approved Guardian Life Insurance seeks overpayment of disability benefits for child social security disability benefits awarded to disabled claimant’s daughter Sun Life denies disability insurance benefits to Alabama man with heart problems Georgia disability lawyer sues Aetna for terminating disability benefits to Georgia woman with rectal cancer Aetna Life Insurance Company denies disability benefits and claims physical therapist with back disorder can perform “reasonable occupation” Aetna fails to review Bank Of America employee’s ERISA disability benefit appeal timely resulting in lawsuit by an Illinois disability lawyer City University Of Medicine & Bioscience former employee disabled by back disorder sues Reliance Standard Life Insurance Company for denial of disability benefits Former Aegon USA employee suffering with multiple sclerosis sues CIGNA for denial of disability insurance benefits Former security guard of the Children’s Hospital of Philadelphia alleges CIGNA Insurance engaged in fraudulent and malicious disability claims practices Pizzeria owner suffering from Celiac disease filed lawsuit against Berkshire Life Insurance Company of America for breach of contract in refusing to pay disability benefits 20 years of receiving disability insurance benefits and CIGNA denies woman’s benefits three separate times UNUM Life Insurance Company sued by California Disability Lawyer after denial of benefits for a school custodian Washington attorney sues CIGNA for denying disability benefits during any occupation stage and seeking to collect SSDI overpayment Prudential Insurance pays disability benefits for 12 years to former Prudential employee then denies claim Wisconsin man sues Liberty Life for termination of disability insurance benefits Former Aetna employee sues Aetna for denial of short-term disability benefits Unum sued for denying disability benefits to florida woman with fibromyalgia, neuropathy, and hepatitis Insurance company relies on manipulative video surveillance techinique to challenge disabiling condition Florida lawsuit filed against UNUM Life Insurance Company by disabled woman for failure to pay disability benefits and to clarify plan’s benefits Epileptic auto technician sues Lincoln National Life Insurance Company (formerly Jefferson Pilot Financial Insurance Company) for denial of disability benefits UNUM Life Insurance Company of America sued by resident of Carroll County, Arkansas for denying disability benefits under ERISA plan Provident Life & Accident Insurance Company sued for denying lifetime disability benefits to former attorney If You Can Afford It, Then You Should Only Buy An Individual Disability Insurance Policy Reliance Standard Life Insurance Company sued by occupational therapist for denial of disability insurance benefits Liberty Mutual Life Insurance denies disability benefits for depression despite two hospitalizations by claimant Prudential Insurance Company sued for denial of disability benefits to former U.S. FoodService Inc. sales analyst with back disorder UNUM sued by Ohio disability attorney for failure to pay disabiity insurance benefits to ex-nurse restricted to using a cane or motorized scooter to get around South Carolina disability attorneys sue Liberty Mutual three times in one week for denial of disability insurance benefits AETNA Life Insurance Company sued for failure to pay out disability benefits to ex senior nurse suffering from disabling mental conditions AETNA Life Insurance Company ordered by West Virginia Federal Judge to reevaluate denial of disability benefits to Bristol-Myers Squibb Manager SunLife & Aetna Life Insurance Company sued for denial of disability benefits Federal Judge orders Union Security (Assurant) to re-evaluate disability denial due to failure to consider risk of substance abuse relapse as disabling condition Sun Life Assurance Company of Canada sued by gunshot victim for failure to pay long term disability benefits Reliance Standard Insurance Company and Lincoln National Life Insurance Company attempt to avoid payment of disability benefits by ignoring claimant’s application Prudential Insurance Company sued for denying claim for disability benefits to disabled individual suffering from chronic back and leg pain Court of Appeals denies appeal for Business Executive claiming disability benefits due to lower back injury against Metropolitan Life Insurance Company CUNA Mutual terminates disability benefits to woman suffering from depression and lyme disease New York Court upholds Hartford Insurance Company’s denial of disability benefits but denies $86,000 overpayment claim Lincoln Nebraska man suffering from fibromyalgia and chronic fatigue syndrome sues UNUM when he is denied disability benefits LINA and CIGNA need to listen to the Federal Courts and stop denying disability insurance claims for people disabled by fibromyalgia Sun Life deducts veteran disability benefits from claimant’s monthly long term disability check Pennsylvania class action disability insurance suit against Reassure and Swiss Re dismissed due to lack of subject matter jurisdiction Disability benefits lawsuit against Fortis Benefits Insurance Company dismissed by West Virginia Federal Court Federal Court provides 5 reasons CIGNA wrongfully denied disability benefits to man suffering from chronic fatigue syndrome CIGNA/LINA sued for denying waiver of life insurance premium to caretaker of disabled and mentally challenged adults Liberty Mutual sued in Tampa Federal Court for denying long term disability insurance benefits Disability lawsuit against MetLife alleges insurance company refuses to pay disabled claimant Doctor files a Disability insurance lawsuit against Guardian Life Insurance Federal lawsuit against Hartford Insurance alleges company refuses to pay disabled Patriot Act analyst Life Insurance Company of North America, part of CIGNA Corporation, sued for refusing disability insurance benefits for mentally ill teacher Hartford Financial’s mental nervous disorder limitation clause in disability insurance policy held ambiguous Michigan Court determines Sedgwick wrongly terminated woman’s disability benefits and awards Michigan disability attorney his fees Disability insurance benefits lawsuit against Prudential Insurance Company is dismissed by Pennsylvania Judge Disability insurance claimant’s allegation of bad faith against Unum Provident is disallowed due to ERISA regulations Disability insurance companies challenge heart disease disability insurance claims UNUM class action filed by New York disability insurance attorneys is dismissed by Federal Judge Sun Life Insurance Co. wrongfully denies disability insurance benefits following disability claimant’s failure to respond timely CIGNA destroys copy of accidental disability insurance policy but claimant is able to prove existence of policy and obtain benefits Principal Life denies disability benefits to a physician and then seeks attorney fees after physician’s disability denial is affirmed by Texas Judge Pennsylvania Court rules that CIGNA disability insurance policy allows for offset of lost wages from auto insurance policy Liberty Mutual ordered to pay interest & attorney fees following disability insurance claim denial Missouri Court reverses Prudential Insurance Company’s wrongful denial of disability insurance benefits for former pharmacy technician CIGNA / LINA wrongfully relies upon surveillance video to deny long term disability insurance benefits ReliaStar reduces monthly disability insurance benefits to veteran due to VA benefits Cytec Industries and Broadspire Services discontinue disability insurance benefits for army veteran suffering from PTSD Guardian disability insurance denial is upheld by Ohio Federal Court & Sixth Circuit Court of Appeals North Carolina disability attorney is unsuccessful in obtaining disability insurance benefits for former TYCO employee Reliance Standard terminates long-term disability benefits after receiving the results of an IME and FCE The evolution of denying fibromyalgia and chronic fatigue syndrome claims in group long term disability policies Broadspire Services terminate long-term disability benefits after paying for 8 years Texas Insurance Commissioner eliminates discretionary clauses in disability insurance policies Companion Life wrongfully relies on 22 minutes of video surveillance to deny disability insurance benefits MetLife denies benefits to stockbroker disabled by depression, yet Pennsylvania Federal Judge awards disability benefits Pennsylvania Federal Judge orders Prudential Insurance Company to pay disability benefits to woman diagnosed with RSD American United Life Insurance disability denial reversed for woman with fibromyalgia, depression and migraines Aetna refuses video recording of IME and threatens to deny disability benefits unless claimant agrees to sign IME doctor’s authorization form Prudential ordered by Michigan Court to reconsider long term disability insurance denial Sun Life disability insurance benefit denial is reversed after 8 years Disability lawsuit filed against The Standard Insurance Company for denial of disability benefits to man suffering with hepatitis C Prudential wrongfully denies disability insurance benefits to man with fibromyalgia Prudential Disability Claim Denial is Reversed For Relying on Paper Medical Review to Deny Benefits Hartford Denies Disability Benefits and Then Has Claimants Lawsuit Dismissed for Failure to Submit Appeal Metlife Wrongfully Denies Disability Benefits to Walgreens Manager with Knee Injury Louisiana Disability Attorney Attempts to Reverse a Hartford ERISA Denial for CVS Manager Disability Claimant’s Inability to Pass Employer’s Mandatory Drug Test Policy Due to Pain Medications Results in Award of Disability Benefits Does Fibromyalgia Have a Credibility Problem in Disability Insurance Claims? Hartford misleads disability insurance claimant’s doctor which results in benefit denial First Unum terminates long-term disability benefits after 4 years of paying and SSDI approval Reliance Standard limits disability insurance benefits to 24 months for mental nervous disorder, despite claimant’s diagnosis of multiple sclerosis Kentucky Court reverses CIGNA’s denial of disability insurance benefits to tradesworker Prudential denies long term disability benefits and then objects to releasing information during litigation Dearborn National/Dearborn Group is watching Disability Insurance Attorneys Dell & Schaefer Why does Mass Mutual want to hide its disability insurance claim forms? Standard denies disability insurance benefits to woman with brain hemorrhage and headaches Own Occupation to Any Occupation definition change leads CIGNA to deny disability insurance benefits Court reverses CIGNA disability denial for man with knee disorder Can CIGNA approve disability benefits but deny life insurance waiver of premium? CIGNA’s wrongful termination of disability waiver of life insurance premium reversed by court CIGNA can not raise new arguments for disability insurance claim denial at the trial level United States Senate Finance Committee to investigate long-term disability insurance claims Disability company ignores evidence of disabling back pain and Federal Court reverses disability benefit denial Seven pieces of medical evidence and disability company still denies claim for lack of “objective evidence” Court reverses MetLife’s denial of long term disability benefits for graphic designer suffering with fibromyalgia New York Court orders CIGNA to pay over $100,000 in attorney fees following long term disability denial CIGNA long term disability denial is reversed by New York Federal Judge CIGNA terminates disability insurance benefits as claimant’s back condition gets worse Is there new support for fibromyalgia disability insurance claims? Disability insurance claimants may be entitled to interest if benefits are wrongfully denied Disability insurance Attorneys Dell & Schaefer hope Governor Schwarzenegger will sign bill banning discretionary clauses in long term disability policies Chronic Fatigue by Trine Tsouderos Beware of unreasonable Prudential Disability Insurance lump sum buyout offer Prudential has strategies to reduce Long Term Disability claim payments MetLife Threatens Lawsuit Against Disability Insurance Attorneys For Copyright Infringement ERISA Pre-emption: When does ERISA apply to a short term disability insurance plan? Lloyd’s of London ordered to pay over 6 million dollars to long term disability claimant Hartford scrutinizes long term disability benefit claim after 13 years of continuous disability payments CNN article discussing disabling chronic pain conditions for women Liberty Mutual is sued for denial of long term disability benefits to woman suffering with fibromyalgia Disability Insurance Company Cigna Earns $294 Million in Second Quarter Missouri District court must reconsider Dearborn’s LTD denial under a de novo standard Dearborn National/Dearborn Group denies long term disability benefits to woman with fibromyalgia and CFS Liberty Mutual and Wachovia interpret migraine headaches to be psychiatric and not disabling (Part I) Appellate Court finds Wachovia and Liberty Mutual’s review of objective evidence of disabling migraine headaches was unreasonable (Part II) Court agrees with Unum’s denial of long term disability benefits to man suffering with rheumatoid arthritis and osteoarthritis (Part II) Unum relies on independent medical exam as basis for denying long-term disability benefits (Part I) Over $500,000 of disability insurance benefits will be paid to disabled store manager following MetLife’s wrongful denial (Part II) MetLife denies long term disability benefits to sears store manager with heart disease and knee problems (Part I) Liberty Life Assurance ordered to pay long term disability benefits but not attorney fees Liberty Mutual’s denial of LTD benefits to woman with back disorder is reversed by Minnesota Court and affirmed by Appellate Court Unum has no right to recover $207,894.88 overpayment of long term disability benefits to attorney Hartford uses video surveillance to deny disability benefits after paying for 10 years MetLife denies LTD disability benefits to multiple sclerosis woman alleging a 3 year Statue of Limitation in Washington MetLife denies chronic fatigue syndrome long term disability claim New York court rules that MetLife abused discretion when it denied chronic fatigue claim (Part II) Disability attorney wins claim for Chronic Fatigue Syndrome client against Unum Provident (Part II) Unum Provident denies short-term disability claim to woman with chronic fatigue syndrome (Part I) Beware of buried language in Prudential long term disability insurance policy The Standard Disability Insurance Company paid one doctor $577,000 to review 1,939 files over 2 years Unum Provident terminates disability benefits to woman with chronic fatigue syndrome (CFS) (Part I) Arizona Court rules Provident wrongfully terminated disability benefits to insurance manager with CFS (Part II) Harvard University ordered to pay $53,817.50 in attorney fees to disability insurance claimant Disability battle against Verizon and Broadspire long-term disability plan lingers in courts for years Broadspire ordered to pay disability insurance benefits but not attorney fees Aetna denial of long-term disability benefits for chronic fatigue syndrome upheld by Court Court orders Citigroup and MetLife to answer discovery request exposing conflict of interest in long-term disability benefit denial HM Life and Broadspire wrongfully deny disability insurance benefits to a receptionist and 9th Circuit Court of Appeals reverses claim denial ERISA disability claimants can receive attorney fees with “some degree of success” Boston Mutual can not recover $163,000 overpayment to long-term disability claimant (Part II) Was Boston Mutual’s decision to terminate long-term disability insurance correct? (Part I) FedEx employee disability plan wrongfully denies LTD benefits without proving job exists for man to fill Hartford pays disability benefits for 12 years and then uses video surveillance to deny benefits Are attorney fees payable in long term disability insurance cases governed by ERISA? Dentist and doctors: beware of the Standard Insurance Company Group’s long-term disability policy MetLife denies long-term disability benefits to a consultant after approving them MetLife ordered to reverse denial of long-term disability insurance benefits Unum denies disability benefits to a Minnesota legal secretary with pre-existing condition Life Insurance Company of North America (CIGNA) ordered to supply information to disability insurance attorneys LINA (CIGNA) denies long-term disability benefits to yellowbook Account Executive Life Insurance Company Of North America (CIGNA) wrongfully denies disability benefits to a Kentucky repairman Did LINA wrongfully deny disability payments to claimant with multiple sclerosis? (Part II) CIGNA (LINA) terminates disability payments to woman with multiple sclerosis California lawmakers want to assist disability insurance claimants Hartford continues to use video surveillance to wrongfully deny long-term disability claims Unum attempts to hide California disability insurance attorney’s attempt to obtain Unum employee reviews Man with fibromyalgia faces Prudential Insurance in appeals court (Part II) Prudential denies disability benefits to man with fibromyalgia after paying benefits for 10 years Court Orders UNUM to pay over one million dollars in attorney fees for long-term disability denial Liberty Mutual wins long-term disability case because of video surveillance – how District and Appeals Courts drew conclusions (Part II) Liberty Mutual wins long-term disability case because of video surveillance – backdrop for an unsuccessful LTD claim (Part 1) Will Life Insurance Company of America have to pay long-term disability benefits? Reliance Standard long-term disability benefits decision affirmed by Circuit Court Discovery requests in ERISA disability cases are found to be limited MetLife must reconsider denial of benefits for former MetLife employee Unum’s denial of disability claim is upheld after court finds claimant failed to respond in a timely manner Postal worker loses long-term disability claim against Hartford Insurance Hewlett Packard’s denial of disability benefits is upheld by appeals court Long-term disability claim against Provident almost lost because of untimely appeals MetLife abused its discretion when it terminated long-term disability benefits MetLife terminates long-term disability benefits to woman with fibromyalagia 10th Circuit Court of Appeals validates MetLife’s accidental death and dismemberment denial Unum’s claim handling exposes them to a multi-million dollar bad faith disability lawsuit Attorneys Dell & Schaefer file class action law suit against Prudential Standard Insurance denies disability claim to a wheelchair bound woman Accidental death & disability dismemberment; AIG reversed by Colorado Court US court of appeals upholds denial of disability benefits by MetLife Harvard University ordered by Massachusetts federal court to pay long-term disability benefits to a former employee Standard Insurance Company’s denial of long-term disability benefits to an attorney is reversed by federal court Tribal court retains jurisdiction for tribal member’s disability insurance lawsuit against Assurant and Union Security Unum’s denial of disability benefits to a registered nurse (“RN”) and trial court victory is reversed by the appellate court Reliance Standard makes disability claimant take them to court twice in 5 years Pennsylvania Federal Court denies Unum’s attempts to dismiss a physician’s bad faith disability lawsuit MetLife’s denial of short-term disability benefits found arbitrary and capricious Cigna failed to follow proper claim denial procedure, nurse’s right to pursue disability law suit under ERISA supported by district court Prudential’s failure to provide documents weighs in long term disability claimant’s favor Hartford wins long-term disability case based on pre-existing condition defense The Standard Insurance Company loses their battle to enforce discretionary clauses in long-term disability policies An undiagnosed pre-existing condition will not result in denial of long-term disability benefits Reliance Standard is ordered by Arizona Court to pay long-term disability benefits to technology consultant with fibromyalgia Hartford wins long-term disability case, court rules that claimant failed to exhaust administrative remedies Hartford’s unreasonable denial of disability benefits to a hospital employee is reversed by Texas Court Director disabled by heart disease takes Prudential to Illinois Court after denial of long-term disability benefits Northwestern Mutual rescinds disability policy after claimant paid premiums for 15 years Missouri Court denies MetLife’s motion to dismiss long-term disability claim for failure to exhaust administrative remedies Federal judge orders Sun Life to re-evaluate long-term disability benefit denial MetLife denies physician’s long-term disability claim as a result of late application filing Court orders Prudential to re-evaluate long-term disability claim of engineer suffering from chronic fatigue syndrome and fibromyalgia Court upholds Standard Insurance Company’s denial of disability benefits, despite claimant’s approval of social security disability benefits Federal judge reverses MetLife’s denial of long-term disability benefits to a senior project manager suffering from back pain Jefferson Pilot ordered to pay disability benefits to clinical director suffering from fibromyalgia, chronic fatigue and depression CIGNA ordered to pay disability benefits to hr administrator diagnosed fibromyalgia Prudential fails to recognize pain caused by fibromyalgia as a long term disability Unum’s disability claims handling tactics are exposed in New York Federal Court Prudential reverses denial of long term disability benefits to engineering manager suffering from coronary artery disease MetLife’s denial of disability benefits can not be challenged due to claimant’s statute of limitation non-compliance CIGNA / LINA fined $600,000 and required to reconsider prior disability denials Hartford is ordered to pay long-term disability benefits to a telecommunications manager Liberty Mutual’s denial of disability benefits to a bank employee is reversed Metlife’s wrongful denial of long-term disability benefits to a Wells Fargo employee is reversed Cameraman suffering from chronic knee problems receives long-term disability benefits from the Mutual of New York Life Insurance Company Lincoln Financial’s denial of long-term disability benefits is reversed following appeal submitted by attorneys Dell & Schaefer Disability insurance Attorneys Dell & Schaefer resolve lawsuit against Unum on behalf of ophthalmologist suffering from bi-lateral carpal tunnel syndrome Unum approves long-term disability benefits for a general surgeon diagnosed with cervical degenerative disc disease Dell & Schaefer files lawsuit against Cigna in Hawaii to secure short and long-term disability benefits on behalf of pharmaceutical sales representative Unum approves long term disability benefits for a financial advisor diagnosed with multiple disc herniations in her neck Attorneys Dell & Schaefer win long term disability insurance appeal against MetLife on behalf of engineer suffering from Parkinson’s The Standard Disability Insurance Company loses motion to prevent Attorneys Dell & Schaefer from deposing six of the Standard’s employees Broadspire and Aetna deny long-term disability benefits to manager suffering from fibromyalgia, arthritis and cervical disc disease Prudential denies long-term disability benefits to a college professor, but the California District Court reverses the claim denial Attorneys Dell & Schaefer’s client takes her case to trial against Prudential in Hawaii District Court Judge orders Prudential to pay account manager $90,416 in long-term disability benefits Nurse anesthetist denied long-term disability benefits for drug addiction by Continental casualty loses at trial and on appeal CIGNA’s attempt to limit claimant to a maximum of 2 years of long-term disability benefits limitation for an organic brain disorder such as bi-polar is reversed by the District Court Insurance industry loses lawsuit challenging the abolishment of discretionary clauses in ERISA long-term disability policies Liberty Mutual reverses denial of short-term disability benefits and approves long-term disability benefits for advertising account manager Unum Provident’s appeal of long-term disability benefits awarded to a New York tax attorney is denied Prudential denies long-term disability benefits to a breast cancer survivor and Attorneys Dell & Schaefer file appeal challenging denial What is the financial future of Unum? Former financial trader files lawsuit against Connecticut General Life Insurance (MetLife) seeking lifetime long-term disability benefits National Life (UNUM) agrees to pay long-term disability benefits to a chiropractor following a skiing accident Unum helping customers manage changes to FMLA law Unum profit falls in 4th quarter due to $167.6 Million in investment losses Jefferson Pilot’s denial of long-term disability benefits to a quality control manager is reversed Unum found guilty of social security disability fraud by a federal jury California insurance commisioner seeks disability changes Health insurer accused of overcharging millions MetLife releases priveleged documents prior to entry of ruling by court Court reverses Prudential’s decision to deny long-term disability benefits to computer software engineer Nurse wins opportunity for reassessment of claim with Liberty Life for long-term disability benefits based on her fibromyalgia ERISA policy holders have very few legal remedies US supreme court attempts to clarify the standard of review in denial of long term disability benefits Government asks Supreme Court to broaden remedies under ERISA Cigna ordered to re-review denial of long-term disability benefits for Senior Vice President at Salomon Smith Barney Unum Group Corp. to pay $676 million in extra benefits to claimants Court to hear case that could help workers claim benefits Disability insurers are overloading social security by making insured’s file false claims Reliance Standard denies Diversified’s Director of National Account Sales long-term disability benefits despite long history or cardiac problems Court upholds Hartford’s denial of long-term disability benefits to a quality technical specialist suffering from cervical disc herniations and vertigo Prudential and Reassure reconsider the occupation of insured at the time he claims disability Prudential’s denial of disability benefits to a computer programmer is reversed by the appellate court Prudential’s denial of disability benefits to a salesperson is reversed Standard’s decision to deny doctor’s disability benefits due to the 24-month mental/nervous limitation upheld Systems support specialist wins disability benefits case against Coca-Cola and Broadspire Dentist sues disability insurance carrier, third party administrator and allegedly independent medical examiner as a result of their conspiracy and bad faith actions to wrongfully deny disability benefits Prudential’s summary judgment ruling is reversed twice by the 7th Circuit US Court of Appeals Aetna’s denial of disability benefits for human resource generalist is upheld after claimant’s definition of disability changes from “own occupation” to “any occupation” Plan label immaterial to determination whether a plan is governed by ERISA Salesman’s disability benefits are denied by Hartford due to claimant’s failure to communicate with Hartford Truck driver denied disability benefits for chronic fatigue syndrome by Aetna Dentist wins right to apply stricter standard of review in her case against Hartford for a claim for long-term disability benefits Hartford’s decision to deny long-term disability benefits to a plant operator is upheld Prudential Insurance Company’s denial of short-term disability benefits to attorney is reversed CFO Sink announces future initiative to improve record keeping of civil remedy notices Federal judge OKs class action status for suit against Unum Group Hartford conducts survey of short-term disability claims Continental Casualty denies sales manager’s claim for disability benefits due to untimely filing of application Court holds that decedent did not intentionally misrepresent a prior medical condition in his application for life insurance benefits Hartford relies on video surveillance of the insured to deny disability benefits Metlife’s denial of disability benefits to an event coordinator is upheld Diagnosis of insured’s medical condition after termination of employment does not preclude disability claim Unum ordered to pay disability benefits to attorney suffering from sick building syndrome Federal judge reverses MetLife’s denial of disability benefits Prudential’s motion to dismiss claimant’s disability benefits is denied Court upheld Standard’s decision to deny disability benefits Insured denied benefits by Unum due to failure to receive “appropriate care” Prudential Insurance Company breaches disability contract and jury awards claimant $15.2 million in damages Disability policy covering only employers not subject to ERISA jurisdiction Broadspire’s attempt to deny disability benefits after paying for 10 years is denied MetLife ordered to pay disability benefits beyond 24 months for a claimant with both mental and physical disabilities Federal Court rules that degenerative arthritis of claimant’s knee was a “sickness” and not caused by an “injury” MetLife’s attempts to stop paying total disability benefits after paying claimant for 10 years is denied Hartford ordered to re-evaluate denial of disability benefits Hartford ordered to pay disability benefits U.S. judge orders Broadspire to reinstate a former bank employee’s disability benefits California Federal Court rejects Prudential’s attempt to limit claim Can disability insurer force doctor to have surgery? Disability income often require attorney expertise Affidavit from former Unum Provident employee Continental Insurance Company ordered to pay long-term disability benefits to bank employee CIGNA can not change ERISA standard of review ERISA disability benefits denied by Lumbermens Mutual casualty due to lack of objective evidence A classic Unum Provident denial What is Complete Disablity? California disability policyholders seek class action against UnumProvident Physician who cannot perform one material and substantial duty of his occupation is totally disabled Disability Income Benefits: The Complex Application Process UnumProvident continues DI settlement talks with California Unum settles allegations of wrongful claims handling JHA: Group LTD Enrollment Rises 5% Hartford’s refusal to provide entire claim file did not prejudice claimant’s ability to dispute her denial of disability benefits What you should look for in a denial letter: disability insurance company’s inadequate denial letter causes court to reinstates insured’s disability benefits Hartford’s Life Insurance companies reliance on surveillance video to terminate benefits was appropriate Medical opinion by treating physician unreliable and unsupported by objective test Objective medical evidence of fibromyalgia may not always be required to prove total disability UNUM ordered to pay disability benefits to legal secretary Kemper National fails to perform an independent medical exam and is ordered by the court to pay long-term disability benefits to a registered nurse Riders expand the scope of disability insurance ERISA Plaintiff granted disability benefits from Prudential for depression and anxiety Dentist awarded $1.21 Million for past and future benefits and bad faith damages UNUM’s decision to deny disability benefits on the basis of a pre-existing condition for primary lateral sclerosis is reversed on appeal Hartford attempts to deny store clerk’s claim for disability benefits on the basis of a pre-existing multiple sclerosis condition Free Consult Now 800-682-8331