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Under De Novo Review, Insurer May Rely on “Regular Care” Requirement Even If Not Expressly Articulated as a Standalone Basis for Denial

Under De Novo Review, Insurer May Rely on “Regular Care” Requirement Even If Not Expressly Articulated as a Standalone Basis for Denial

In Jones v. Unum Life Insurance Company of America, No. 24 C 3911, 2026 WL 96985 (N.D. Ill. Jan. 13, 2026), the Northern District of Illinois held that, where de…

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District Court Holds Insurer Did Not Abuse Discretion in Terminating LTD Benefits Based on Medical File Review, Activity Evidence, and Independent Physician Opinions

In Sramek v. United Of Omaha Life Insurance Company, et al., No. 1:25-CV-00576-MSN-LRV, 2026 WL 81903 (E.D. Va. Jan. 12, 2026), the Eastern District of Virginia upheld an insurer’s termination…

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District Court Upholds Hartford’s Termination of Long-Term Disability Benefits Under “Any Occupation” Standard

In Portier v. Hartford Life And Accident Insurance Company, No. CV 24-1717, 2026 WL 45078 (E.D. La. Jan. 7, 2026), the United States District Court for the Eastern District of…

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Court Allows ERISA Claims Based on Long-Term Disability Premium Collection Without Evidence of Insurability

In two closely related decisions issued the same day, the U.S. District Court for the Western District of Washington denied motions to dismiss filed by both an employer and its…

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District of New Jersey Affirms Narrow Scope of ERISA Discovery, Holds Prior STD Claim File Is Not Part of LTD Administrative Record

In Stallman v. First Unum Life Insurance Company, et al, No. CV 23-20975 (JXN)(LDW), 2025 WL 3749611 (D.N.J. Dec. 29, 2025), the United States District Court for the District of…

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California District Court Rejects ERISA Preemption for “Voluntary” Executive Disability Coverage Marketed Through Employer

A recent decision out of the Central District of California is a helpful reminder that insurers do not get to “ERISA-wash” a claim simply because coverage was offered to employees…

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