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Articles Posted in ERISA

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Long Term Disability Insurer-Unum still ranked Second Worst Insurer despite reforms

At least they weren’t ranked as the worst insurance company for consumers. (That award goes to Allstate.) Long Term Disability Insurer-Unum was ranked second from worst in a recent study cited by the SunHerald.com. Despite agreeing to pay a massive fine and review thousands of its Long Term Disability claims…

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Michigan Long Term Disability Insurance Discretionary Clauses voided by Court

Recently, the US District Court (Judge Richard Enslen) upheld the Michigan Insurance Commissioner’s right to prevent any Long Term Disability Insurer from including discretionary clauses in their insurance contracts in the case American Council of Life Insurer’s v Waters. This could be a tremendously important decision for anyone with a…

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Disability Insurers Conflict “Smells Bad” according to Supreme Court

“That Smells Bad” said Justice Scalia as he described disability insurer-MetLife’s conflict of interest. The US Supreme Court heard Oral arguments last week in Glenn v. Metlife. This is an important decision for all disability claims governed by ERISA. The Supreme Court examined how Metlife’s inherent conflict of interest–as both…

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