Eleventh Circuit Rejects Reliance Standard’s Broad Interpretation of Preexisting Condition Exclusion
Eleventh Circuit Rejects Reliance Standard’s Broad Interpretation of Preexisting Condition Exclusion
In Johnson v. Reliance Standard Life Insurance Company, No. 23-13443, ---F.4th----, 2025 WL 3251015 (11th Cir. Nov. 21, 2025), a significant decision limiting insurers’ ability to deny early-term disability claims based…
Long COVID and ERISA Disability Claims: Emerging Themes and Guidance for Claimants
Long COVID continues to challenge courts, insurers, and claimants, creating unique complexities in ERISA long-term disability (LTD) claims. With symptoms like fatigue, cognitive dysfunction, post-exertional malaise (PEM), dysautonomia, and neurological…
Central District of California Grants LTD Benefits After Finding MetLife Ignored Credible Medical Evidence of Long-Haul COVID Disability
In Baltes v. Metropolitan Life Insurance Co., Case 2:23-cv-07404-MRA-JPR, ---F.Supp.3d---, 2025 WL 3199464 (C.D. Cal. Nov. 12, 2025), the U.S. District Court for the Central District of California granted judgment…
Western District of Kentucky Remands LTD Claim After LINA’s Administrative Failure
In Chalk v. Life Insurance Company of North America, No. 3:25-CV-133-RGJ, 2025 WL 3006758 (W.D. Ky. Oct. 27, 2025), the court addressed a familiar issue in ERISA litigation—how to handle…
Court Rejects Guardian’s Attempt to End ERISA Disability Lawsuit Early
In Rose v. Guardian Life Ins. Co. of Am., No. 8:25-CV-03866-DCC, 2025 WL 2972236 (D.S.C. Oct. 21, 2025), the United States District Court for the District of South Carolina issued…
Court Allows Hartford to Pursue Summary Judgment on Exhaustion Grounds in Long-Term Disability Case
In Lucas v. Hartford Life and Accident Insurance Company, No. 24-CV-7561 (VEC), 2025 WL 2961561 (S.D.N.Y. Oct. 20, 2025), the U.S. District Court for the Southern District of New York…
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