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Why Is Proof Of Loss So Important In A Disability Claim?

If you have made a disability claim under an individual or employer-sponsored group long term disability policy, you no doubt have been bombarded with requests for documents and information in every possible form.  Is this just a tactic the insurance company uses to harass and annoy you into submission?  The not-so-simple answer is yes….and no. […]

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Federal Court Rejects Unum’s Attempt To Downplay Its History Of Biased Claims Administration In Long Term Disability Litigation

A California federal judge gave a complete win to a severely disabled woman in a case governed by the Employee Retirement Income Security Act (“ERISA”).  The disabled insured suffering from a myriad of conditions, including fibromyalgia, argued that the Court should take into consideration the fact that Unum operates under a conflict of interest as […]

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NYC Trial Court Rules Insured Gets To Keep $10 Million Dollars In Life Insurance Coverage

The insured-friendly waiver doctrine strikes again!  An insured under two $5 million dollar life insurance policies defeated United States Life Insurance Company’s attempt to rescind his policies because of alleged material misrepresentations in the insurance applications. The Supreme Court, New York County judge ruled that U.S. Life knew of reasons to claim rescission of the […]

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Is It Me Or Are Disability Insurers More Aggressive With Mental Health Claims?

Having had the experience of reviewing loads of client’s disability claim files over the years, I have seen a disturbingly repetitive pattern.  Disability insurers are really unfair to people with mental health disabilities.  Three common tactics employed by disability carriers give them an advantage in a claim setting. 1.    Disability insurers demand confidential and protected […]

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