As experienced long term disability insurance policy lawyers, we have a lot of experience with what we call the “critical points” of a disability insurance policy – the provisions in the policies that tend to be the major points of contention and concern. These are the top ones to look for when considering the purchase […]

Another judge has criticized CIGNA for its claim handling of long term disability insurance claimants, determining that the decision to deny benefits to a man suffering from significant orthopedic impairments was an abuse of its discretion. The Court rested its determination upon a number of commonly seen tactics from CIGNA, and ultimately found that the […]

A Federal judge has awarded benefits to a long term disability insurance claimant, whose claim had previously been before the Court. Originally, the Court remanded the claim back to the administrator to properly consider the claim, including evidence supporting impairment, to include the Social Security determination and other evidence. Upon remand, the administrator largely ignored […]

A Federal Judge has overturned a long term disability insurance claim, finding that Mutual of Omaha acted improperly in terminating a claim on the basis of a lack of significant change in the disability insurance claimant’s condition prior to the claim filing. The claimant suffered a number of co-morbid medical conditions, several of which she […]

A growing trend seen in long term disability insurance claims is an insurers’ request for a claimant to undergo a Functional Capacity Evaluation (“FCE”). However, for several reasons, attending an FCE may be harmful to your claim. And, many policies do not have any contractual language obligating claimants to attend. Even those that may require […]