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<title>LexisNexis&#174; Mealey's&#8482; Disability Insurance Legal News</title>

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<description>Headline Disability Insurance Legal News from LexisNexis&#174;</description>

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<title>LexisNexis&#174; Headline Disability Insurance Legal News</title>

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<copyright>Copyright 2011</copyright>

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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2012-7 Mealeys Litig. Rep. Disab. Ins. 1%20(2012)%20%22&amp;pageLimit=10&amp;pageNumber=0&amp;publication=All+Mealey+Publications%3BMEALEY%3BMEALEY&amp;relativeDateValue=NONE&amp;fromDate=&amp;toDate=&amp;loc=mealeysrss</link>
<title>Termination Of Benefits Was Reasonably Supported By Record</title>
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<![CDATA[ST. LOUIS - An ERISA-governed disability insurer that terminated benefits to a claimant with osteoarthritis and other ailments acted reasonably, the Eighth Circuit U.S. Court of Appeals ruled Jan. 11, finding that the insurer did not abuse its discretion in relying on its record reviews (Don Carrow v. Standard Insurance Co., No. 10-3206, 8th Cir.; 2012 U.S. App. LEXIS 604). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 1 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Claimant Petitions For En Banc Review Over 8th Circuit Finding</title>
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<![CDATA[ST. LOUIS - A claimant with severe back pain on Dec. 20 filed a petition for en banc review with the Eighth Circuit U.S. Court of Appeals, asking for his appeal to be heard by all the justices despite a ruling last month by an Eighth Circuit panel upholding a disability insurer's reliance on record reviews and video surveillance in its decision to deny benefits (Troy J. Daigle v Hartford Life and Accident Insurance Co., No. 11-1847, 8th Cir.; 2011 U.S. App. LEXIS 24349). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 2 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Kentucky Federal Judge Finds Benefit Denial Not Reasonably Supported</title>
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<![CDATA[LOUISVILLE, Ky. - An ERISA-governed disability insurer that relied on record reviews in its decision to terminate benefits to a claimant with a heart condition and joint disease acted arbitrarily, a Kentucky federal judge ruled Jan. 6, ordering the claim remanded to the plan administrator for further review (Robert Bragg v. Hartford Life and Accident Insurance Co., et al., No. 4:11CV-00002-JHM, W.D. Ky.; 2012 U.S. Dist. LEXIS 1356). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 3 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Judge: Insurer's Reliance On Record Reviews, Video Surveillance Reasonable</title>
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<![CDATA[BOSTON - An ERISA-governed disability insurer that relied on record reviews and surveillance video in its decision to deny benefits to a claimant with reflex sympathetic dystrophy (RSD) and fibromyalgia acted reasonably, a Massachusetts federal judge ruled Jan. 6 (Diahann L. Gross v. Sun Life Assurance Company of Canada, No. 09-11678, D. Mass.; 2012 U.S. Dist. LEXIS 1595). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 4 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Insurer Conducted Full and Fair Review, Judge Holds</title>
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<![CDATA[BROOKLYN, NY - A New York federal judge on Dec. 30 ruled that an ERISA-governed disability insurer that relied on record reviews and surveillance video in its decision to terminate benefits acted reasonably (Joseph E. Duncan v. Cigna Life Insurance Company of New York, No. 10-CV-1164, E.D. N.Y.; 2011 U.S. Dist. LEXIS 150546). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 5 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>4th Circuit: Plan Administrator's Benefit Calculation Reasonable</title>
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<![CDATA[RICHMOND, Va. - A plan administrator's interpretation of its policy language in calculating benefits was reasonable, the Fourth Circuit U.S. Court of Appeals ruled Jan. 11, upholding a grant of summary judgment to the insurer (Kenneth Fortier v. Principal Life Insurance Co., No. 10-1441, 4th Cir.; 2012 U.S. App. LEXIS 557). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 6 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>SPD Appeal Procedures Are Not Part Of Plan, Judge Holds</title>
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<![CDATA[CONCORD, N.H. - Appeal procedures cited in the summary plan description (SPD) but not written in the actual plan are not enforceable, a New Hampshire federal judge said Jan. 5, ruling that the claimant did not fail to exhaust her administrative remedies by failing to file an appeal within the 180-day time frame specified in the summary plan description (Deborah J. Kaufman v. Prudential Insurance Company of America, No. 11-cv-119, D. N.H.; 2012 U.S. Dist. LEXIS 1154). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 7 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Breach Of Agreement Claim Against Employer Barred, Judge Says</title>
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<![CDATA[SACRAMENTO, Calif. - A California federal judge on Dec. 29 granted an employer summary judgment in a breach of agreement claim, finding that the claim was based on the company's group insurer's denial of long-term disability benefits and was therefore preempted by the Employee Retirement Income Security Act (James Burchett v. Life Insurance Company of North America, Apple Computer Inc., No. 2:11-CV-0696-GEB-DAD, E.D. Calif.; 2011 U.S. Dist. LEXIS 149452). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 8 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>1st Circuit Denies Petition For En Banc Review</title>
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<![CDATA[BOSTON - The First Circuit U.S. Court of Appeals on Dec. 29 denied a disability claimant's petition for en banc review of the panel's Dec. 7 decision that her claim should be reviewed under an abuse of discretion standard. The claimant argued that a full en banc review is required to maintain uniformity on the issue (Deborah Maher v. Massachusetts General Hospital Long Term Disability Plan, No. 10-1321, 1st Cir.; 2011 U.S. App. LEXIS 24205; See December 2011, Page 12). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 9 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Time Limit In Summary Plan Description Is Enforceable Under Amara, Magistrate Rules</title>
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<![CDATA[BOSTON - A participant in a long-term disability plan governed by the Employee Retirement Income Security Act is bound by the time periods for filing claims and appeals that are in the summary plan description (SPD), even if they are not expressly mentioned in the written plan itself, a federal magistrate judge in Massachusetts ruled Nov. 28 (Michele C. Tetreault v. Reliance Standard Life Ins. Co., et al., No. 10-11420, D. Mass.). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 10 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Time Limit In Summary Plan Description Is Unenforceable Under Amara, Judge Rules</title>
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<![CDATA[BOSTON - A federal judge in Massachusetts on Dec. 9 denied a motion to reconsider his ruling that an ERISA-governed disability plan improperly denied an administrative appeal as untimely based on a time limitation in a summary plan description (SPD) that was not in the policy, even in light of another judge's different interpretation of the U.S. Supreme Court's ruling in Cigna Corp. v. Amara (Lawrence Merigan v. Liberty Life Assurance Company of Boston, No. 2009-11087, D. Mass.; 2011 U.S. Dist. LEXIS 142297). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 11 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Disability Plan Participant Is Entitled To Fees, Costs, Mich. Federal Judge Rules</title>
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<![CDATA[DETROIT - A federal judge in Michigan ruled Dec. 27 that a disability plan participant is entitled to attorney fees under the Employee Retirement Income Security Act where the plan abused its discretion by "cherry-picking" medical evidence to deny benefits (Stephen J. Kotyk v. Ford Motor Company, No. 09-14604, E.D. Mich.; 2011 U.S. Dist. LEXIS 148272). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 12 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>11th Circuit's Structural Conflict Of Interest Ruling Will Not Be Reviewed</title>
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<![CDATA[WASHINGTON, D.C. - The U.S. Supreme Court on Dec. 12 declined to review an 11th Circuit U.S. Court of Appeals ruling that a disability insurer possessed a reasonable basis for its decisions to terminate benefits and its structural conflict of interest did not render those decisions arbitrary and capricious under the Employee Retirement Income Security Act (Frank Blankenship v. Metropolitan Life Insurance Company, No. 11-444, U.S. Sup.). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 13 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Federal Judge Remands Case To Administrator Where Time Limits Violated</title>
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<![CDATA[LOUISVILLE, Ky. - Remand to the disability plan administrator, not de novo review, is the appropriate remedy when the administrator failed to make a benefits determination within the deadlines prescribed by the Employee Retirement Income Security Act's regulations because of a procedural error by the administrator's employee, a federal judge ruled Jan. 4 (James W. Hackney v. The Lincoln National Life Insurance Company, No. 3:11-CV-268, W.D. Ky.; 2012 U.S. Dist. LEXIS 694). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-7 Mealey's Litig. Rep. Disab. Ins. 14 (2012)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Judge: Policy's Definition Of Totally Disabled Is Ambiguous</title>
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<![CDATA[DETROIT - An own-occupation policy's definition of totally disabled is ambiguous, a Michigan federal judge ruled Nov. 22, finding that the definition must be interpreted in favor of the insured (Raymond D. Oliver v. National Life Insurance Co., No. 09-11040, E.D. Mich.; 2011 U.S. Dist. LEXIS 134). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-6 Mealey's Litig. Rep. Disab. Ins. 1 (2011)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Reliance On Record Reviews In Benefit Denial Was Reasonable, 4th Circuit Holds</title>
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<![CDATA[RICHMOND, Va. - The Fourth Circuit U.S. Court of Appeals on Nov. 21 reversed a grant of summary judgment to a disability claimant, rejecting a lower court's finding that the plan administrator abused its discretion in denying benefits. The appeals court held that the administrator acted reasonably in relying on the opinions of reviewing doctors (Statia Scott v. Eaton Corporation Long Term Disability Plan, No. 10-2124, 4th Cir.; 2011 U.S. App. LEXIS 23309). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-6 Mealey's Litig. Rep. Disab. Ins. 2 (2011)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Evidence Supports Finding Of Disability, Michigan Federal Judge Says</title>
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<![CDATA[DETROIT - An ERISA-governed disability insurer that terminated benefits to a claimant with chronic back problems acted arbitrarily, a Michigan federal judge ruled Nov. 17, ruling that the evidence does not support a finding that the claimant is able to work 25 hours a week (Edward Fura v. Federal Express Corporation Long Term Disability Plan, et al., No. 10-13298, E.D. Mich.; 2011 U.S. Dist. LEXIS 132644). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-6 Mealey's Litig. Rep. Disab. Ins. 3 (2011)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Court: Claim Remanded To Administrator For Further Review</title>
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<![CDATA[BOSTON - The First Circuit U.S. Court of Appeals on Dec. 7 vacated a grant of summary judgment to a disability plan administrator in an action alleging wrongful denial of benefits and ordered the claim to be remanded for further review. The appeals court found that the decision to deny benefits was not reasonably supported by the record (Deborah Maher v. Massachusetts General Hospital Long Term Disability Plan, No. 10-1321, 1st Cir.; 2011 U.S. App. LEXIS 24205). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-6 Mealey's Litig. Rep. Disab. Ins. 4 (2011)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>8th Circuit: Reliance On Record Reviews, Video Surveillance Was Reasonable</title>
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<![CDATA[ST. LOUIS - A disability insurer's reliance on record reviews and video surveillance in its decision to deny benefits was not an abuse of discretion, the Eighth Circuit U.S. Court of Appeals ruled Dec. 7 (Troy J. Daigle v Hartford Life and Accident Insurance Co., No. 11-1847, 8th Cir.; 2011 U.S. App. LEXIS 24349). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-6 Mealey's Litig. Rep. Disab. Ins. 5 (2011)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Claimant Is Capable Of Working In 'Any Occupation,' Judge Says</title>
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<![CDATA[LOS ANGELES - An ERISA-governed disability plan administrator that denied benefits to a claimant with a partial hearing loss did not abuse its discretion, a California federal judge ruled Dec. 2. The judge found that the administrator's decision that the claimant was capable of working under the policy's "any occupation" coverage definition was supported by the record (Laneice Whatley-Bonner v. Pacific Telesis Group Comprehensive Disability Benefit Plan, No. CV 10-8027, C.D. Calif.; 2011 U.S. Dist. LEXIS 139599). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=12-6 Mealey's Litig. Rep. Disab. Ins. 6 (2011)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Issues Of Fact Preclude Judgment, Florida Federal Judge Holds</title>
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<![CDATA[MIAMI - A Florida federal judge on Dec. 2 allowed a claimant to proceed with a bad faith action against her disability insurer, finding that issues of fact exist over how the insurer handled his claim (Gaby Kafie v. Northwestern Mutual Life Insurance Co., No. 11-21251, S.D. Fla.; 2011 U.S. Dist. LEXIS 138956). 
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<title>Action Filed Within 3 Years Of Proof Of Loss Is Timely, Court Rules</title>
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<![CDATA[NEW YORK - The Second Circuit U.S. Court of Appeals on Nov. 18 held that a claimant's action for wrongful denial of disability benefits that was filed within three years of the date the proof of loss was due was timely. The appeals court remanded the action for further proceedings (Howard Epstein v. Hartford Life and Accident Insurance Co., et al., No. 10-3852, 2nd Cir.; 2011 U.S. App. LEXIS 23162). 
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<title>Administrator Can Pursue Reimbursement Claim, Judge Says</title>
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<![CDATA[SAN FRANCISCO - A plan administrator may pursue a counterclaim for reimbursement of an overpayment of payments based on a Social Security award, a California federal judge ruled Nov. 22 (Perri Edel v. Schering- Plough Group Benefits Plan, et al., No. C11-2778, N.D. Calif.; 2011 U.S. Dist. LEXIS 134652). 
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<title>More Discovery Needed To Determine Bias, California Federal Judge Rules</title>
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<![CDATA[SAN FRANCISCO - A California federal judge on Nov. 18 said claims over the proper calculation of benefits and whether a mental illness benefit limitation was properly relied on in a dispute over disability benefits can proceed. The judge denied summary judgment, finding that additional discovery is needed (Michele P. Sconiers v. First Unum Life Insurance Co., et al., No. C 11-01798, N.D. Calif.; 2011 U.S. Dist. LEXIS 133509). 
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<title>Evidence Supports Insurer's Decision To Terminate Benefits</title>
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<![CDATA[ATLANTA - An ERISA-governed disability insurer that terminated benefits to a claimant with a heart condition acted reasonably, the 11th Circuit U.S. Court of Appeals ruled Oct. 21. The appeals court said the insurer's reliance on record reviews and treating physician notes was not de novo wrong (Myra Ray v. Sun Life &amp; Health Insurance Co., No. 4:09-cv-00238, 11th Cir.; 2011 U.S. App. LEXIS 21438). 
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<title>9th Circuit: Procedural Irregularities In Benefit Denial Warrant Remand</title>
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<![CDATA[SAN FRANCISCO - The Ninth Circuit U.S. Court of Appeals on Oct. 21 ruled that procedural irregularities in an ERISA-governed disability insurer's benefit denial warrant remand for further review of a benefit claim. The appeals court said the insurer failed to specify how the claimant could perfect his claim in its denial letter (Richard Kludka v. Qwest Disability Plan, et al., No. 10-16035, 9th Cir.; 2011 U.S. App. LEXIS 21447). 
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<title>Administrator's Denial Letter Did Not Violate ERISA, 2nd Circuit Holds</title>
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<![CDATA[NEW YORK - A group disability plan administrator's benefit denial letter did not violate Employee Retirement Income Security Act requirements, the Second Circuit U.S. Court of Appeals ruled Nov. 3 (Susan Tortora v. SBC Communications Inc., et al., No. 10-3478, 2nd Cir.; 2011 U.S. App. LEXIS 22407). 
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<title>Judge: Use Of Dictionary Job Description Was Not Abuse Of Discretion</title>
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<![CDATA[LITTLE ROCK, Ark. - A disability insurer that used job description from the Dictionary of Occupation Titles to evaluate whether a claimant with physical limitations was able to perform the duties of his "own occupation" did not abuse its discretion, an Arkansas federal judge ruled Nov. 1 (Bobby Gene Hankins v. Standard Insurance Co., No. 4:11CV00428, E.D. Ark.; 2011 U.S. Dist. LEXIS 126447). 
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<title>Magistrate Judge: Claimant Who Is Still Able To Practice Dentistry Is Not Disabled</title>
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<![CDATA[MIAMI - A Florida federal magistrate judge on Nov. 2 ruled that a disability insurer did not abuse it discretion in denying benefits to a claimant who worked as a dentist before and after an accident she claimed left her disabled from performing the principal duties of her occupation (Susan F. Socas v. The Northwestern Mutual Life Insurance Co., No. 07-20336, S.D. Fla.; 2011 U.S. Dist. LEXIS 126789). 
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<title>Judge: Breach Of Fiduciary Duty Claim Can Proceed</title>
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<![CDATA[SAN FRANCISCO - A California federal judge on Nov. 1 refused to dismiss a breach of fiduciary duty claim against an ERISA-governed disability insurer, finding that the claim was sufficiently pleaded to survive a motion to dismiss (Michele P. Sconiers v. First Unum Life Insurance Co., et al., No. 11-cv-01798, N.D. Calif.; 2011 U.S. Dist. LEXIS 126209). 
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<title>New York Federal Judge Allows Discovery Into Conflict Of Interest</title>
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<![CDATA[NEW YORK - A New York federal judge on Nov. 3 allowed a disability claimant to pursue discovery into a potential conflict of interest as to how her claim was handled (Gail McDonnell v. First Unum Life Insurance Co., No. 10-CV-08140, S.D. N.Y.; 2011 U.S. Dist. LEXIS 127290). 
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<title>Breach Of Contract, Constructive Fraud Claims Preempted, Judge Rules</title>
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<![CDATA[SAN FRANCISCO - A California federal judge on Nov. 9 ruled that the Employee Retirement Income Security Act preempts state law claims against a disability insurer for breach of contract and constructive fraud (Paul Morris v. Comcast of Marin and Liberty Mutual, No. C-11-3712, N.D. Calif.; 2011 U.S. Dist. LEXIS 129835). 
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<title>9th Circuit Orders Action Remanded For Benefit Calculation</title>
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<![CDATA[SAN FRANCISCO - The Ninth Circuit Court of Appeals on Oct. 28 in an unpublished opinion reversed a lower court's judgment dismissing a claimant's action over the proper calculation of her long-term disability benefits, including whether a benefit offset should be applied (Susan Rene Jones v. Metropolitan Life Insurance Co., et al., No. 10-16713, 9th Cir.; 2011 U.S. App. LEXIS 21996). 
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<title>Benefit Offset For VA Benefits Was Improper, 8th Circuit Rules</title>
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<![CDATA[ST. LOUIS - A long-term disability benefits plan improperly offset amounts that a participant received in Department of Veterans Affairs benefits, the Eighth Circuit U.S. Court of Appeals ruled 2-1 on Oct. 7 (James Riley v. Sun Life and Health Insurance Co., et al., No. 10-2850, 8th Cir.; 2011 U.S. App. LEXIS 20393). 
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<title>Challenge To Unum's Denial Of Disability Benefits Is Untimely, 5th Circuit Holds</title>
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<![CDATA[NEW ORLEANS - A disability benefit plan participant claim challenging Unum Life Insurance Company of America's denial of benefits was time-barred because the claim reassessment process agreed to by Unum and the U.S. Department of Labor did not revive the statute of limitations with respect to the underlying claim denial, the Fifth Circuit U.S. Court of Appeals ruled Oct. 31 in an unpublished opinion (El-Ray King v. Unum Life Insurance Company of America, No. 11-10397, 5th Cir.; 2011 U.S. App. LEXIS 22145). 
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<title>Disability Claimant Was Required To Exhaust Remedies, 6th Circuit Rules</title>
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<![CDATA[CINCINNATI - A participant in a long-term disability (LTD) benefits plan governed by the Employee Retirement Income Security Act was not excused from exhausting her administrative remedies based on the denial of her claim for short-term disability (STD) benefits, even though both plans shared the same definition of "disability," the Sixth Circuit U.S. Court of Appeals ruled Oct. 6 in an unpublished opinion (Mary Anne Laird v. Norton Healthcare, Inc., et al., No. 10-5205, 6th Cir.; 2011 U.S. App. LEXIS 20253). 
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<title>1st Circuit: Participant Not Time-Barred From Challenging Denial</title>
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<![CDATA[BOSTON - A long-term disability plan's limitations for filing suit to contest a claim denial was equitably tolled because the plan failed to provide notice to a plan beneficiary in the benefit determination notification of his right to bring a court action challenging the denial, the First Circuit U.S. Court of Appeals ruled Oct. 25 (Rolando Ortega Candelaria v. Orthobiologics LLC, et al., No. 09-2305, 1st Cir.; 2011 U.S. App. LEXIS 21491). 
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