Tag Archives: denied disability claim
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
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
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