Perhaps the most difficult task in evaluating disability benefit claims is assessing the weight to be given to subjective symptoms. In Cline v. Aetna Life Insurance Co., 2017 WL 5490853 (W.D. N.C., Nov. 15, 2017), the court addressed that issue head-on. The plaintiff, Larry Cline, a commercial pilot for Netjets, suffered from lumbar stenosis and […]
DeBofsky, Sherman & Casciari attorney William Reynolds recently won a significant victory on behalf of one of the firm’s clients. In Watson v. Reliance Standard Life Ins. Co., 2017 WL 5418768 (N.D. Ill. November 14, 2017), the court overturned a disability insurer’s finding that Cheryl Watson suffered from a psychiatric impairment; thus, her benefits were limited […]
Given the high cost of nursing home care, assisted living, or home health care, many people have purchased long-term care insurance with the expectation that it will cover the costs of their care should they ever need such services. Unfortunately, those expectations have not always been met because insurance companies have challenged claims and shown reluctance to pay benefits under long-term care policies.
What does the term “own occupation” mean in disability insurance coverage? The answer to that question was recently provided by a federal court in New Jersey. The case of Patterson v. Aetna Life Insurance Co., 2017 WL 4786562 (D. N.J., Oct. 23, 2017), involved Christopher Patterson, who became disabled in 2007 following spine surgery and […]
Nearly all group long-term disability insurance policies limit the duration of benefit payments for psychiatric conditions to 24 months, while disabilities due to physical impairments are generally payable to age 65 or until the claimant reaches Social Security normal retirement age. In a recent ruling from a federal court in Montana, Sand-Smith v. Liberty Life […]