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July 2019 Archives

Why it's important to 'make your record'

If your long-term disability claim has been denied, you should not take "no" as the insurance company's final answer. In most circumstances, you have the right to submit an appeal challenging the benefit denial; and if the appeal is unsuccessful, a wrongfully denied claim may be litigated in court.

How To Challenge a Disability Insurance Denial?

The rationale behind the purchase of disability insurance is to provide an economic safeguard against unforeseen sickness or accidental injury.. When misfortune occurs, economic hardship results.  And if benefits are denied without justification, the premiums invested in insurance coverage appear worthless.  All is not lost, though, because there are ways to fight back.

A Primer on Behavioral Health Residential Treatment Cases

Our firm recently won the case of Dominic W v. Northern Trust Co. Employee Welfare Benefit Plan, 2019 WL 2576558 (N.D. Ill. June 24, 2019), which took a health benefit plan to task for denying residential treatment behavioral health claim. The case involved coverage for Sofia W, the daughter of a Northern Trust employee, who experienced severe behavioral problems beginning at age 10 that necessitated psychiatric treatment and prescriptions for antipsychotic and antidepressant medications. Despite treatment, Sophia's condition worsened. The court described the following, which occurred at age 12:

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