Western District of Michigan Holds Insured Disabled from Own Occupation Due to Intractable Headaches but Not from Any Gainful Occupation
Western District of Michigan Holds Insured Disabled from Own Occupation Due to Intractable Headaches but Not from Any Gainful Occupation
In Tobin v. Unum Life Insurance Company of America, No. 1:24-CV-1012, 2026 WL 508810 (W.D. Mich. Feb. 13, 2026), the Western District of Michigan, applying de novo review, held that…
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…
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