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"ERISA Insurance Claims: Beware!"
- By Jeffrey C. Metzger

Most disability, medical, and accidental death insurance claims arise under coverage obtained by the insured through his or her employment. The vast majority of these claims are governed by the Employment Retirement Income Security Act of 1974 (ERISA), 29 U.S.C.S § 1001 et seq, because they “relate to” an employee benefit plan offered by their employer. As such, claim denial cases must be pursued under the regulatory scheme of the statute and its accompanying Department of Labor regulations. Failure to do so will prevent recovery for an improperly denied claim. Click here to read more...

Divided Justices Rule 'Single Honest Mistake' Won't Strip ERISA Administrators' Deference

Employee Retirement Income Security Act plan administrators will not be stripped of deferential review by federal courts when they make a “single honest mistake” in administering and interpreting plans, the U.S. Supreme Court ruled April 21 in a 5-3 decision (Conkright v. Frommert, U.S., No. 08-810, 4/21/10).

Unum's new commercial:  "Better benefits"

If your experience with Unum is different than as depicted in this self-serving commercial, please contact the Law Offices of Jeffrey C. MetzgerWe don't let insurance companies take advantage of you!

Test Your Insurance Knowledge and Make Sure You Have the Protection You Need

NEW YORK, NY (04/13/2010)(readMedia)-- Knowledge is always a consumer's best policy, especially when it comes to insurance. While many people may believe they are knowledgeable about insurance, a recent survey tells a different story.

Long-term-care policies: Pouring money down a hole?--Los Angeles Times, April 7, 2010.

Here's a lesson baby boomers are just beginning to learn: You pay for long-term-care insurance for years, even decades, and then your insurance company changes the rules. 

“Too Sick to Work? They Disagree”

"Disability insurance provides an income to people who become too sick or injured to work, and it has traditionally been a staple of a good workplace benefits package. But with companies struggling to stay afloat, the policies have become much less generous, with some paying less than half as much as they did a few years ago. Workers are also paying more in premiums. . ."

“Disability Insurance:  Who Gets Denied?”
"Claim denials are a common feature of the disability landscape. The largest disability insurer, Unum Group, says it denies almost 10 percent of the claims it receives. But some health conditions are more likely than others to prompt rejections—or the third degree—from insurers." Read more: