Regardless of what you think of today’s headlines concerning the NSA’s surveillance program, disability claimants face the unpleasant reality that a certain level of their lives are and will be conducted under the watchful eye of another entity – their disability insurance company. This may not have global implications, but if you are the person […]

Hi-Limit DI is the term used to describe disability insurance designed for high-income employees. Insurance agents (and long term disability insurance attorneys) understand that high income earners who wish to protect their lifestyle and assets need more than one disability insurance policy. Supplemental disability insurance policies are used to fill in the income gaps of […]

One of the more agonizing forms of cancer, particularly for individuals accustomed to active jobs that involve constant interactions with employees and customers, is throat cancer. Our client, formerly a director of Parking and Security for a hospital, spent several years being in charge of the facility, a team of employees and vehicles, in an […]

A Federal judge in Missouri has determined that Sun Life acted unreasonably, where it sought to apply a pre-existing limitation clause in its long term disability insurance policy to deny coverage to a claimant. Often, ERISA group LTD policies have provisions which will serve to bar coverage for long term disability insurance, even where a […]

Claimants who have had problems with their Cigna long term disability insurance policy or who are about to file a claim may be concerned about what may happen as a result of the massive multi-state insurance settlement recently announced. This multi-state settlement involved California, Pennsylvania, Connecticut, Maine and Massachusetts. As part of the settlement, CIGNA […]

After successfully defending our client when Liberty Mutual first terminated her disability insurance benefits during the “Own Occupation” period of her policy, our client was relieved and hopeful that she could focus on managing her illness. In an unusually aggressive move, Liberty Mutual terminated her disability insurance benefits a second time, only a short time […]

A Federal Court in Florida has found that Sedgwick, a third party administrator for long term disability insurance claims, acted in an arbitrary and capricious manner in the handling of a claim for long term disability benefits. The claimant suffered from a myriad of medical conditions including Chronic Fatigue Syndrome, Fibromyalgia, and other co-morbid conditions. […]