A recently issued appellate court decision illustrates the complexity of ERISA preemption. Williby v. Aetna Life Ins. Co, 2017 WL 3482390 (9th Cir. August 15, 2017) involves the interplay between ERISA’s preemption provision and the savings and deemer clauses found in 29 U.S.C. § 1144.The underlying matter concerned a claim for short-term disability benefits under […]
Although the Affordable Care Act, also known as Obamacare, has eliminated health insurers’ exclusion of insureds who have pre-existing conditions, such exclusions remain enforceable in disability insurance policies. However, a recent non-precedential ruling issued by the 11th U.S. Circuit Court of Appeals, Bradshaw v. Reliance Standard Life Insurance Co., 2017 WL 3774536 (11th Cir., Aug. […]
A recent ruling issued by the 7th U.S. Circuit Court of Appeals resolved a controversial issue in Employee Retirement Income Security Act litigation: Does ERISA’s venue provision, 29 U.S.C. Section 1132(e)(2), preclude enforcement of a forum-selection clause in an employee benefits plan? The petitioner, George Mathias, the plan beneficiary, the secretary of labor, as amicus […]
That question was answered in a recently reported federal court ruling from Michigan, Sun v. United of Omaha Life Ins. Co., 2017 WL 3050477 (E.D. Mich. July 19, 2017). The case involved Julia Sun, who worked as a registered nurse caring for quadriplegic patients. After she injured her foot in 2010, and because she also […]
All group disability insurance policies coordinate benefits with other sources of disability income to preclude potential double recoveries. Social Security disability benefits and workers’ compensation benefits are universally identified as offsets against long-term disability insurance payments. A more controversial offset, though, are payments that result from personal-injury claims which compensate claimants for categories of damages […]