Blog

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 job as reflected in an accurate job description or a fair analysis of the actual functional requirements of the job, the “vocational expert” is enlisted to redefine the policyholder’s job. By redefining the […]

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. Techniques that an insurance company doctor commonly employs to assist the insurer in denying claims include: (i) asserting erroneously that […]

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. Unlike the treating physician, most of these insurance company physicians never see or speak with the policyholder. Most only perform a “paper review.” Most disregard the reasoned and informed […]

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. Under the guise of “reaching out” to the treating doctor to seek his opinion in order to fairly decide a claim, a claims person or the physician hired […]

By Bennett Cohen of Bennett M. Cohen, Attorney at Law posted in Bad Faith Insurance on Monday, November 3, 2014. November 1, 2014 The California Department Of Insurance Must Now Screen All New Disability Insurance Polices For Deceptive And Illegal Provisions Before They May Be Sold In California On October 1, 2014, in a case handled […]