US Court of Appeal for the Eleventh Circuit Finds Unum Abused Discretion By Discounting a Beneficiary’s Cognitive Deficits from Medication in an ERISA Long-Term Disability Case

The U.S. Court of Appeal for the Eleventh Circuit recently reversed the decision of a federal district court affirming Unum Life Insurance Company of America’s (“Unum”) decision to terminate a former pharmacist’s long-term disability benefits. The plaintiff beneficiary in the case was employed as a pharmacist from 1996 until 2016, when she suffered an accident at work that injured her …

How Should I Appeal a Long-Term Disability Denial?

It is extremely frustrating and stress-inducing to receive a letter in the mail terminating or denying long-term disability benefits. People with long-term disability insurance, either through an employer-provided policy or a privately purchased policy, rely on funds being available if they are hurt and cannot work. The important thing to know is that insurance companies do sometimes change their minds …

Federal Court Rejects Long-Term Disability Insurer’s Irresponsible Denial of Benefits to Medical Provider Addicted to Fentanyl

Published by The Pellegrin Firm, L.L.C. March 10, 2020

All too often, long-term disability insurers look for reasons to deny payment to disabled insureds. This is just as true of insureds with addiction and mental health issues as it is of insureds with physical limitations. In a recent case out of Missouri, a federal judge rejected an insurance company’s denial of benefits to an impaired nurse anesthetist.

In Unpublished Decision, U.S. Court of Appeals for the Sixth Circuit Discusses Meaning of “Regular Care” Provision in a Long-Term Disability Policy, Finds for Claimant

Published by The Pellegrin Firm February 5, 2020

In a recent decision, a panel of the United States Court of Appeals for the Sixth Circuit discussed the meaning of a “regular care” provision in a long-term disability policy.