ERISA

We recently covered the use of AI in reviewing ERISA claims. (Spoiler alert: we were decidedly skeptical.) Stories are already popping up about insurers using AI to save money rather than help paying customers with their disability claims. Well, add another story to...

Barely an hour passes these days without a company giddily announcing a new AI partnership to improve its performance. But does the current state and limitations of AI belong in long-term disability benefits, a realm where crucial financial security and even people’s...

Buckle up because this story could easily be adapted into a three-hour dramatic film starring Reese Whitherspoon and directed by Oliver Stone. And if you think reading this story takes a long time, imagine how the plaintiff feels. The main takeaway from this case is...

We spend a lot of time on this blog discussing the dubious, sometimes nefarious tactics insurance companies will use to deny or terminate long-term disability benefits, especially those claims covered by ERISA. Although every claimant has a right to sue the insurance...

An unfortunate fact in the ERISA long-term disability world is that many people will find themselves appealing decisions which deny or terminate benefits. Whether the insurance company denied your initial application, or your benefits were cancelled later, you must...

Anyone familiar with the sometimes inexplicable state of disability insurance claim denials won't be shocked by a recent case where an insurer's arbitrary machinations ended in a swift summary judgment. A seemingly unremarkable benefits application In Mucciacciaro v....

Most people over 40 remember a time when health insurance was simple. We paid our monthly premiums and received coverage for almost every doctor visit and procedure that wasn’t obviously elective. Today, that arrangement is but a happy memory of a simpler time. The...

If you’ve been struggling with a baseless, inexplicable Social Security disability claim rejection in recent years, you’re not alone. The highest rate of Social Security Disability Insurance (SSDI) claim rejections in years is gumming up courtrooms nationwide. Citing...

ERISA disputes are perhaps the worst-timed legal challenges a person can encounter. People with incapacitating illnesses or injuries, often involving a cognitive impairment, must become proficient in legal jargon and the convoluted world of long-term insurance...