Month: July 2018
The Games Long Term Disability Insurers Play – Game #2: Hide the Ball
The Fifth Circuit chastised the Life Insurance Company of North America (LINA), a CIGNA company, for playing this game. Facts of the Case The decedent, David White, was driving down the highway one afternoon when his car went straight on
Even Though… Is Not Enough
We often hear our clients say, “They denied my claim even though…” You can fill in the rest of the sentence with a number of different things, i.e. “even though… the government says I am disabled,” “even though… all my
Five Ways New Claim Procedure Regulations Will Impact Your LTD Claims: Change #3
The Right to Respond The third change that the new claim procedure regulation will require is the right to respond to newly-considered or newly-generated information. Many times, plans “sandbag” – that is they wait until the final appeal to require