Tag Archives: california disability insurance attorney

Provident Life Demands Disabled Dentist Submit to Surgery

Under California law, a disabled dentist who is receiving disability benefits may be required to undergo curative surgery in order to remain eligible for disability benefits. This was held in Provident Life and Accident Ins. Co. v. Van Gemert.  In … Continue reading

Posted in Disability Claim Denials | Tagged , , , , , , , , , , , , , , , | Comments Off on Provident Life Demands Disabled Dentist Submit to Surgery

Unum Creates Ambiguities to Escape Bad Faith Liability

In California, “[t]he key to a bad faith claim is whether or not the insurer’s denial of coverage was reasonable,” which ordinarily is question of fact for the jury.  Guebara v. Allstate Ins. Co., 237 F.3d 987, 992 (9th Cir. … Continue reading

Posted in Disability Claim Denials | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on Unum Creates Ambiguities to Escape Bad Faith Liability

Northwestern Mutual Denies Dentist Disability Benefits

Under California law, a disabled dentist’s return to work does not necessarily preclude recovery on his disability insurance benefits.  This was held in Zambito v. Northwestern Mut. Life Ins. Co. In Zambito, a dentist suffering from mental illness filed suit … Continue reading

Posted in Disability Claim Denials | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off on Northwestern Mutual Denies Dentist Disability Benefits

Disability Insurers Mislead Claimants

In our last few blog posts, Insurance Bad Faith: Cherry-Picking Your Medical Records and Disability Insurers Misuse Independent Medical Examinations, we have examined the prohibitions from the 2005 Order that coincided with the California Regulatory Settlement Agreement with Unum.  In this post, we … Continue reading

Posted in Insurance News | Tagged , , , , , , , , , , , , , , , , , , , , , , | Comments Off on Disability Insurers Mislead Claimants

Disability Insurers Misuse Independent Medical Examination

In 2005, the California Insurance Commissioner fined Unum $8 million and ordered it to stop engaging in unfair business practices.  The California Order specifically prohibits Unum from engaging in 28 activities.  In the next few blog posts, we will take … Continue reading

Posted in Insurance News | Tagged , , , , , , , , , , , , , , , , , , , , , , | Comments Off on Disability Insurers Misuse Independent Medical Examination