Pre-Existing Condition Exclusion Bars LTD Claim Based on Prior Treatment for Low Back Pain
Pre-Existing Condition Exclusion Bars LTD Claim Based on Prior Treatment for Low Back Pain
In Hudson v. Principal Life Insurance Co., No. 24-1308 (JRT/ECW), 2026 WL 496683 (D. Minn. Feb. 23, 2026), the District of Minnesota held that a long-term disability claim was barred…
District of Vermont Upholds Denial of Disability Benefits Where Employee Alleged Long COVID But Objective Evidence Did Not Support Disability Before Termination
In Weiss v. Lincoln National Life Insurance Company & Verista, Inc., No. 2:24-CV-00591-CR, 2026 WL 483280 (D. Vt. Feb. 20, 2026), the U.S. District Court for the District of Vermont…
District Court Enforces Massachusetts Choice-of-Law Clause in ERISA Case, Rejects California Ban on Discretionary Clauses
In Hildebrandt v. Unum Life Insurance Company of America, No. 8:23-CV-02297-ODW (JDEX), 2026 WL 413748 (C.D. Cal. Feb. 13, 2026), the Central District of California enforced a Massachusetts choice-of-law provision…
District Court Rejects Unum’s Boilerplate Discovery Objections and Allows Limited Incentive Discovery in ERISA Case Alleging Bad Faith
In Schaefer v. Unum Life Insurance Company of America, No. 4:24-CV-00590, 2026 WL 396445 (M.D. Pa. Feb. 12, 2026), the U.S. District Court for the Middle District of Pennsylvania addressed…
Your ERISA Long-Term Disability Claim Was Denied. Should You Handle the Appeal Yourself?
When an ERISA long-term disability (LTD) claim is denied, most people assume the insurance company simply needs more information. They think: “I’ll just send updated records.” “My doctor can write…
District Court Rejects Proposed ERISA Class Challenging NFL Disability Benefits Process for Lack of Commonality and Typicality
In Alford, et al v. The NFL Player Disability, & Survivor Benefit Plan, et al., No. 1:23-CV-00358-JRR, 2026 WL 216349 (D. Md. Jan. 28, 2026), a group of retired National…
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