Insurance Company Tactics
What Happens When Multiple Beneficiaries Claim Life Insurance Proceeds? Understanding Interpleader Actions
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsWhen someone passes away, their life insurance benefits can provide critical financial support for beneficiaries. However, complexities can arise when multiple parties claim entitlement to the same proceeds. These conflicts
The Difference Between Life Insurance and AD&D Coverage: Understanding Your Policy
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsWhen planning for financial security, many individuals purchase life insurance or accidental death and dismemberment (AD&D) insurance to protect their loved ones in case of an unexpected tragedy. While both
Delay And Deception: Disability Insurer Tactics In Claim Denials
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsDelay And Deception Insurance companies that sell short- or long-term disability insurance policies are in business to make a profit. It follows that they are not necessarily there to be
Did Your Disability Insurer Weaponize An Independent Medical Exam?
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance Claim Insurance Company TacticsMost disability insurance policies allow the insurer to arrange for a reasonable, relevant independent medical examination (IME) of the claimant. While on its face this sounds fair and even potentially
Disability Insurers Use Aggressive Surveillance To Deny Claims
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsUsing a variety of surveillance and investigation techniques, disability insurance companies often try to gather information about claimants’ daily activities. Then, they use the information to say the claimants are
LTD Insurer May Not Arbitrarily Discredit Treating Doctors’ Opinions
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsOn March 22, 2021, the U.S. District Court in the Western District of Washington ordered Prudential to pay long-term disability (LTD) benefits to the claimant, a software engineer who said
Pre-Existing Condition And Disability Need Substantial Link To Deny Claim
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsMost disability insurance policies contain clauses that provide for the denial of disability claims for the first policy year if the disabling impairment was a pre-existing condition during a period
Long-Term Disability Claimant’s Debilitating Pain Had Subjective And Objective Support
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsThe U.S. Court of Appeals for the Sixth Circuit recently held in favor of a long-term disability (LTD) claimant whose insurance company denied his claim based largely on severe, chronic back
Social-Media Surveillance Of Disability Claimant’s Activities
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsWe recently posted information in this space about how disability insurers use surveillance to investigate the lifestyles of their disability claimants to try to uncover evidence that the claimants’ activities
Insurers Use Of Drones In Surveillance Of Disability Claimants
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsWhen you are ill or injured to the point where you had to file a claim for disability benefits under your disability insurance policy, it can be disheartening to learn