July 2012 Archives

Long term disability insurance companies are not known for warmth or compassion, but this particular denial has a particularly cold feel to it. On Easter morning, without warning, the only child of our client, a 53 year old woman, passed away. Our client was overwhelmed by grief, anxiety and depression, and was unable to concentrate […]

Bad news for long term disability insurance companies invariably means worse news for long term disability policyholders. We’ve seen it in the past, and this recent article from Insurance & Financial Advisor has a dire warning for policyholders – but you have to read between the lines. Long-term disability insurance companies experienced greater loss ratios […]

Our client was an architect with a successful practice who filed a claim for long term disability benefits as a result of suffering from depression/anxiety. His mental illness began following a divorce, and his subsequent inability to perform the duties and tasks of his business led to the collapse of his architectural firm. Lincoln Life […]

A Federal judge in Ohio has determined that Aetna’s reliance upon well known insurance pandering doctors contributed to a finding that its termination of a long term disability insurance claim was arbitrary and capricious. Aetna relied upon a number of doctors that regularly perform paper only medical reviews for insurers, including Dr. Richard Kaplan, Dr. […]