After spending many years representing Bay Area claimants in ERISA disability benefit claims, I have seen it all. I have seen insurance companies deny truly meritorious claims for no good…
Unfortunately, this week’s notable decision is a loss for California’s ban on discretionary clauses. In Bain v. United Healthcare Inc., No. 15-CV-03305-EMC, 2016 WL 4529495 (N.D. Cal. Aug. 30, 2016),…
What might not be obvious to the average San Francisco Bay Area consumer is a daily bane to most experienced ERISA long term disability attorneys: "Independent" Physician Consultants (IPCs) hired…
I am delighted to report that this week’s notable decision is one of our own, Demer v. IBM Corporation LTD Plan, No. 13-17196, __F.3d__, 2016 WL 4488006 (9th Cir. Aug.…
The California Bay Area workforce is booming and employers are competing with each other to attract the best pool of candidates. Many employers offer prospects generous employee benefits, including long…
Hello, ERISA Watchers! This was an exciting week on the topic of state bans on discretionary clauses. Two recent decisions applied the protection afforded by California Insurance Code Section 10110.6…

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