Many insurance companies insist that a person suffering from fibromyalgia must provide “objective evidence” of disability in order to qualify for disability benefits. A number
Many insurance companies insist that a person suffering from fibromyalgia must provide “objective evidence” of disability in order to qualify for disability benefits. A number
When an insurance company denies a claim, it will purport to state the reasons on which it bases its denial. The insurance company’s reasons are
When an insurance company denies a claim, it will often summarize in its denial letter the evidence cited by the insured in support of the
When an insurance company or ERISA plan denies your disability claim, it often leaves you with more questions than answers. You will likely receive a
Under California law, a private citizen can bring a lawsuit specifically intended to address the ills or injustices in society. Recognizing that such lawsuits are
California case law is clear that an insured’s attempt to return work may not bar a finding of disability. The California courts have long recognized
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.