Tag Archives: disability insurance bad faith

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

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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

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California Assesses Punitive Damages for Disability Insurer’s Despicable Conduct

In our last blog post, we discussed when, under Arizona law, punitive damages may be assessed against a disability insurance company that is guilty of insurance bad faith.  In this blog post, we examine how the same issue is analyzed … Continue reading

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Disability Insurer’s Evil Hand Guided by an Evil Mind

In some disability insurance cases, punitive damages are assessed against the disability insurer when it violates the covenant of good faith and fair dealing with the insured.  In Arizona, a court may award punitive damages as punishment against a wrongdoer … Continue reading

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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

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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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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

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Guess Who’s Skulking Around On Your Facebook Page: Your Insurer!

The wealth of information many people share about themselves on social media sites such as Facebook, Twitter, and MySpace has caught the attention of the insurance companies. Insureds with disability claims should be aware that their insurance company is potentially using this surveillance tool … Continue reading

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