Tag Archives: bad faith

Disability Insurance and the Dentist: Can You Collect on Your Disability Insurance Policy?

You have worked as a dentist for your entire career.  Your family relies on you, and you have numerous financial obligations both at the office and at home.  The stress associated with a disability can cause you significant problems, including, for example, … Continue reading

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Why Is It So Hard to Collect on My Disability Insurance Policy?

Attorney Ed Comitz’s article, Why Is It So Hard to Collect on My Disability Insurance Policy? Avoiding Mistakes when Filing a Claim, was published by Whitehall Management in its May/June 2010 Newsletter magazine. The article explains why dentists and other healthcare … Continue reading

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Unum Profits While Ailing Workers “Gut it Out”

In an interview with Andrew Frey of Bloomberg Businessweek, Unum Group CEO Thomas Watjen said that the economic slump has resulted in fewer disability claims being filed, with workers suffering from lower back pain, nervous conditions and other “more discretionary” conditions more … Continue reading

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Too Sick to Work? They Disagree

In the February 10, 2010 edition of SmartMoney Magazine, Brad Reagan writes: Once employees go on disability, critics say, insurers today are more likely to require hour-long chats on the phone, hound patients for medical updates and push them back to work … Continue reading

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Colorado Bill Aims to Prevent Unum-like Denials

In an April 1, 2010 article appearing on lawyersandsettlements.com, Gordon Gibb reports: With an eye towards preventing the kinds of practices once employed by Unum over the years and under a variety of names, including First Unum, Unum Insurance and … Continue reading

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Once ERISA, Always ERISA: How and why to avoid having your disability insurance policy sucked into the black hole of ERISA

Disability insurance carriers have increasingly used The Employee Retirement Income Security Act of 1974 (ERISA) to their advantage.  While ERISA was supposed to be for the protection of employees, it is actually being used to protect insurance companies and employers. … Continue reading

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Federal Court Affidavit of Former Unum Employee

A sworn affidavit by a former UnumProvident employee in a 2004 case in the United States District Court for the District of Maine (Case No. 2:2004cv-00001) provides interesting insight into some of the tactics used by Unum.   Daniel Donatelli’s affidavit … Continue reading

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Are Non-Competition Agreements Enforceable or Not?

Non-competition agreements usually bar healthcare professionals both from encouraging patients to follow them to a new practice and from practicing for a certain period of time within a certain distance of the former employer’s location. There is much debate in the healthcare and legal communities, however, over the extent to which these non-compete clauses are enforceable—if at all. The truth is that non-competition agreements are sometimes enforceable and sometimes not, depending on their specific restrictions and circumstances. Continue reading

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Insurance Bad Faith: Cherry-Picking Your Medical Records

In a previous blog post we discussed how disability insurers use independent medical examinations (IMEs) to their own advantage, despite explicit state prohibitions.  In this post, we will look at another similar ban that is also part of the California … Continue reading

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Prudential Says Return to Work

Prudential Group Insurance has set up a Return to Work service which provides employers with assistance in setting up their own Return to Work programs for disabled employees.  According to a press release in the Wall Street Journal, these employer-sponsored … Continue reading

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