In recent years, there has been greater recognition of post-traumatic stress disorder, commonly referred to as PTSD. Many veterans returning from overseas conflicts experience PTSD, but the condition is not limited to former military. PTSD may occur following a significant injury or psychological shock and results in persistent mental or emotional distress. According to the […]
After you experience an injury or sickness that affects your ability to work, obtaining disability benefits can be as difficult as trying to recover physically. Even if you have purchased disability insurance or have long-term disability insurance (LTD) coverage through your employer, you may not fully understand how to tap into those benefits when the […]
Surveillance may sometimes be a useful tool in detecting potential insurance fraud. In a recent California case, however, video surveillance obtained by a disability insurer was insufficient to convince a judge that it correctly decided to terminate an insured’s benefit payments. The case of Fleming v. Unum Life Insurance Company of America, 2018 WL 6133859 […]
A recent ruling issued by U.S. District Judge Carlton W. Reeves of the Southern District of Mississippi described a history and pattern of bad-faith disability benefit claim denials. The case of Nichols v. Reliance Standard Life Insurance Co., 2018 WL 3213618, 2018 U.S. Dist. LEXIS 109526 (S.D. Miss., June 20, 2018), involved Juanita Nichols, a […]
A recent federal court ruling from Washington state was harshly critical of a disability insurer’s treatment of a benefit claimant suffering from multiple sclerosis. The case, Gorena v. Aetna Life Insurance Co., 2018 WL 2113952 (W.D. Wash., May 8, 2018), involved Sarah Gorena, who worked as a staff analyst at Boeing for more than 10 […]
A Montana federal court began a recent ruling by asking: “Who is the beneficiary of a lawsuit stemming from an ERISA employee’s misfortune? Is it the ERISA plan or is it the unfortunate employee?” The case, Rustad-Link v. Providence Health and Services and Unum Group Corp., 2018 WL 627560 (D. Mont., Jan. 30, 2018), involved […]