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Disability Insurance Blog
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…
Residual vs. Total Disability: What’s the Difference?
The Difference between Residual vs. Total Disability Disability insurance is something most people don’t think about until they need it. We insure our homes, cars, and health, but what about…
When Do Disability Insurers Settle for a Lump-Sum Representing Future Benefits?
Understanding Settlements in Long-Term Disability Insurance Disability insurance offers essential protection, providing financial support to people who are unable to work due to illness or injury. For many, disability insurance…
Ninth Circuit Vacates ERISA Judgment Over UnitedHealthcare’s Procedural Violations in Claims Denial
In an important decision reaffirming the procedural protections afforded to claimants under ERISA, the Ninth Circuit, in an unpublished opinion, recently vacated a district court judgment in Solis v. UnitedHealthcare…
Ninth Circuit Revives Disability Claim in Osborn v. The Paul Revere Life Insurance Co.: Triable Issues of Fact Defeat Summary Judgment
In a notable decision for disability insurance claimants, the Ninth Circuit Court of Appeals, in an unpublished decision, recently reversed in part a summary judgment ruling in Osborn v. The…
Court Rules in Favor of Retroactive Disability in Dharmasena v. MetLife
Court Rules in Favor of Retroactive Disability in Dharmasena v. MetLife In the interesting ERISA case of Dharmasena v. Metropolitan Life Insurance Company, 2025 WL 1563970 (C.D. Cal. May 29,…
When ERISA Plans Fail to Speak Clearly: The Ninth Circuit Upholds Benefits Denial Reversal in Residential Mental Health Treatment Case Under De Novo Standard of Review
In the world of ERISA litigation, the stakes are often high for families trying to secure essential health benefits, particularly for residential mental health care. The most contested issue in…
