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Disability Insurance Blog
Peer Reviews vs. Independent Medical Examinations in ERISA Disability Claims: Understanding the Role and Impact of Review Processes on Claim Outcomes
Introduction The Employee Retirement Income Security Act (ERISA) establishes federal standards for private employer-sponsored disability benefit plans. An ERISA disability claim review involves several factors that can impact the review and result in a claim denial, including peer reviews and independent medical…
What to Do When Your Disability Insurance Claim Is Delayed
An Authoritative Guide for Policyholders Facing Unreasonable Insurance Claim Delays Insurance is designed to provide financial security and peace of mind during some of life’s most challenging moments. Yet, for…
2025 ERISA Year in Review: Five Pivotal Cases Reshaping Disability and Life Insurance Litigation
2025 ERISA Year in Review: Five Pivotal Cases Reshaping Disability and Life Insurance Litigation The landscape of ERISA litigation saw pivotal shifts in 2025, with federal courts increasingly scrutinizing the…
Unsuspected Diseases and the Pre-Existing Condition Exclusion Clause: A Claimant-Friendly Ruling in Johnson v. Reliance Standard
In the world of ERISA law, the “pre-existing condition” exclusion is often a battleground of policy interpretation and semantics. However, a recent decision by the United States Court of Appeals…
Federal Court Holds Health Insurance Plans Are Subject to California’s § 10110.6 Discretionary-Clause Ban
California Insurance Code § 10110.6 has long been a battleground in ERISA litigation. The statute voids provisions that grant an insurer or administrator discretionary authority to interpret plan terms or…
Central District of California Federal Court Awards Long-Term Retroactive Disability Benefits in Dharmasena v. MetLife
The U.S. District Court for the Central District of California recently granted long-term disability (“LTD”) benefits to Plaintiff Hettihewage Dharmasena following an ERISA appeal in Dharmasena v. Metropolitan Life Insurance…
How Are Claimants Impacted When Claims Fiduciaries Miss ERISA Deadlines?
If your employer sponsors a group insurance plan for its employees, insurers and plan administrators owe you fiduciary duties under the Employee Retirement Income Security Act of 1974 (ERISA). They…
Navigating the Labyrinth: A Comprehensive Guide to ERISA Accidental Death & Dismemberment Claims and Decision Timelines
The Employee Retirement Income Security Act of 1974 (ERISA) establishes a federal framework for employer-sponsored benefit plans, including Accidental Death & Dismemberment (AD&D) insurance. Navigating an AD&D claim under ERISA…
MetLife Reverses Accidental Death Insurance Denial After McKennon Law’s Appeal: $680,000 Claim Paid in Full
At McKennon Law, we frequently see insurers improperly deny claims under accidental death and dismemberment (AD&D) policies, especially when toxicology results or policy exclusions are involved. Fortunately, ERISA provides policyholders…
When Insurers Confirm Coverage That Doesn’t Exist: A Fiduciary Duty Trap Under ERISA
When Insurers Confirm Coverage That Doesn’t Exist: A Fiduciary Duty Trap Under ERISA When dealing with ERISA-regulated benefit plans, both employers and insurers must tread carefully when communicating with plan…
