Entries by J.J. Conway

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Keeping Your LTD Claim Approved During Covid-19

The year 2020 will be remembered as a time when working from home became the norm for many in the United States. Some employers have notified the workforce they will not return to their offices until the summer of 2021.  Well, unsurprisingly, disability claims examiners are working from home, too. Many long-term disability claimants may […]

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New Supreme Court Members Have New Take on ERISA

In Thole v. U.S. Bank N.A., No. 17-1712, 2020 U.S. LEXIS 3030 (June 1, 2020), the U.S. Supreme Court ruled, 5-4, that defined pension plan participants lacked constitutional standing to sue over a $750 million loss to their plan because they had not yet missed a benefit payment. Justice Kavanaugh, writing for the majority, brought […]

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The Supreme Court Says, “Actual Knowledge” Means “Actual Knowledge” in Calculating ERISA’s Breach of Fiduciary Duty Statute of Limitations

On February 26, 2020, the U.S. Supreme Court issued its unanimous decision in Intel Corporation Investment Policy Committee v. Sulyma, Case No. 18-1116. https://www.supremecourt.gov/opinions/19pdf/18-1116_h3cj.pdf.  The decision resolves a split in the Circuits concerning the appropriate date by which to measure the shortened statute of limitations for breach of fiduciary duty claims.  The triggering event for the […]

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One Long Term Disability Claim; Two Different Views. What is a Claimant to do?

Most are familiar with the famous sketch of the simultaneous-silhouette of the older and younger woman appearing within the same image. Both women can be seen within the same drawing. Depending on the viewer’s perspective, the image appears to be of one of two different people.  While viewing the image, the mind can move back […]

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For those who have successfully fought to have a disability claim approved, they want it to stay that way. When the letter arrives from an insurance company seeking an update in status, most claimants begin to worry – and rightly so. As the Western District of Michigan federal court wisely observed fifteen years ago: The […]

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ERISA Long-Term Disability Basics: The Role of the Treating Physician

“My doctor will support me.” This is one of the most common expressions heard from clients dealing with an ERISA long-term disability insurance claim. Disability claimants know, perhaps without formal recognition, that their disability insurance claim requires a solid evidentiary foundation. Most claimants realize they carry the burden to prove their claim and recognize that […]

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Finally, Some Clarification Regarding What Is Meant By “Clarifying a Right to Future ERISA Benefits”

It is one of the most commonly asked questions by disability claimants who have successfully battled their disability insurance companies to overturn a denied or terminated disability claim. They have won, but there is one lingering question: Can my insurance company cut me off again? Technically, the answer is “yes.” Most disability law practitioners have […]

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ERISA Long-Term Disability Basics: Social Media and Disability Claims – Revisiting “An Online ‘Friend’ You May Not ‘Like'”

Stay off social media if you have a long-term disability claim. We have written about this issue before. See, Long-Term Disability Insurance Update: An Online ‘Friend’ You May Not ‘Like.’ Perhaps one of the most overlooked features about ERISA disability claims is the fact that, since most jurisdictions generally restrict the ability of parties to […]

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ERISA Long-Term Disability Basics: The Number One Mistake Disability Claimants Make

What is the single greatest mistake long term disability claimants make? Preparing their own internal disability appeal. It is that simple. A case worth hundreds of thousands of dollars can be converted to zero – near instantly – when a disability insurance claimant attempts to prepare his or her own administrative appeal.  There are several […]