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Some disability insurance policies include a provision that the insurer will try to use to disregard the insured’s actual job duties in deciding whether the

In the recent case of Backman v. Unum Life Ins. Co. of Am., 2016 U.S. Dist. LEXIS 74918 (N.D. Cal. June 8, 2016), in which the

In ERISA claims, disability insurance companies often state in their denial letters that the insured does not qualify for benefits because he has not stated “objective

If your insurance company denies your disability insurance claim and your case is governed by California law, proving “bad faith” is a two-step process.

If your insurance company has denied your disability insurance claim and your claim is governed by California law, you must establish that you are disabled under California law.

Unless the insurance company has inserted an enforceable provision in the policy limiting the time within which you may sue and, secondly, it is not unfair under the circumstances for the insurance company to impose...

Insurance companies use a “vocational expert” to assist them in denying claims. Rather than assess whether the policyholder is able to perform his or her actual

The insurance company doctor is an essential cog in the insurance company’s denial mechanism. The insurance company doctor typically writes a memo or report on which the insurance company purports to base its claims decision.

A technique essential to an insurance company in denying claims is the hiring of a physician consultant on whom it can rely to support its denial.

One of the techniques an insurance company employs to deny a claim or buttress its intended denial is known affectionately by insurance companies as the “Doc-to-Doc” interview.