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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 2009</copyright>

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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 1%20(2009)%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>11th Circuit: Insurer Properly Considered Subjective Complaints</title>
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<![CDATA[ATLANTA - An ERISA-governed disability insurer that denied benefits to a claimant with fatigue, weakness and muscle pain acted reasonably, the 11th Circuit U.S. Court of Appeals ruled Oct. 2, finding that the insurer properly considered the claimant's subjective complaints of pain, doctor reports and medical reviews (Susan Keith v. The Prudential Insurance Company of America, No. 09-10695, 11th Cir.; 2009 U.S. App. LEXIS 21704). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 1 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 2%20(2009)%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>Calculation Of Benefits Was Reasonable Under Plan Language, 1st Circuit Finds</title>
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<![CDATA[BOSTON - An ERISA-governed disability plan that reduced the amount of benefits to a disabled employee was reasonable, the First Circuit U.S. Court of Appeals ruled Oct. 14. The insurer concluded that commissions should not have been considered in the calculation of the employee's total disability benefit amount (Cheryl Wallace v. Johnson &amp; Johnson, et al., No. 09-1069, 1st Cir.; 2009 U.S. App. LEXIS 22529). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 2 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Fraud, Negligence Claims Barred By Statute Of Limitations, Judge Rules</title>
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<![CDATA[TULSA, Okla. - Fraud and negligence claims against a doctor who performed an independent medical exam are barred by the two-year statute of limitations, a federal judge in Oklahoma ruled Oct. 13, finding that claims against the disability plan for conspiracy are preempted by ERISA (Robin Cameron v. The Forest Hills IPA, Inc., et al., No. 09-CV-0311-CVE-PJC, N.D. Okla.; 2009 U.S. Dist. LEXIS 95190). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 3 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>3rd Circuit: Statute Of Limitations Bars ERISA Claim For Underpayment</title>
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<![CDATA[PHILADELPHIA - A disability claimant's claim for underpayment of benefits under the Employee Retirement Income Security Act was barred by the statute of limitations, which began to run on the date that the claimant first notified the plan and its administrator that his benefits were not calculated correctly, the Third Circuit U.S. Court of Appeals ruled Oct. 8 in an unpublished opinion (Joseph M. Lutz, et al. v. Philips Electronics North America Corporation, et al., No. 08-3943, 3rd Cir.; 2009 U.S. App. LEXIS 22281). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 4 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Disability Claimant's Lawsuit Is Time-Barred, 10th Circuit Holds</title>
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<![CDATA[DENVER - A long-term disability plan's limitations period was enforceable under the Employee Retirement Income Security Act because it was "easily determinable," the 10th Circuit U.S. Court of Appeals ruled Sept. 30 in finding that the claimant's lawsuit was untimely filed (Carol Ann Salisbury v. Hartford Life and Accident Insurance Company, No. 08-3316, 10th Cir.; 2009 U.S. App. LEXIS 21455). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 5 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Insurer Failed To Consider Subjective Pain, Federal Judge Rules</title>
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<![CDATA[LOUISVILLE, Ky. - A federal judge in Kentucky on Oct. 14 ruled that an ERISA-governed disability insurer that denied benefits to a claimant with rheumatoid arthritis acted arbitrarily, finding that the insurer failed to consider objective pain and failed to explain its reasoning for reaching a different conclusion than that of the Social Security Administration (Vickie Costello v. Sun Life Assurance Company of Canada, No. 08-00157, W.D. Ky.; 2009 U.S. Dist. LEXIS 95828). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 6 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 7%20(2009)%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>7th Circuit: Disability Insurer Properly Credited Consulting Doctors' Opinions</title>
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<![CDATA[CHICAGO - A disability insurer's denial of benefits did not violate the Employee Retirement Income Security Act by crediting consulting physicians' opinions that were based on their access to the claimant's employment history because the claimant claimed that her condition was negatively affected by the stress of her job, the Seventh Circuit U.S. Court of Appeals affirmed Sept. 18 (Elizabeth Black v. Long Term Disability Insurance, No. 07-3550, 7th Cir.; 2009 U.S. App. LEXIS 20762). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 7 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 8%20(2009)%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>Records Support Insurer's Denial Of Benefits, Judge Holds</title>
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<![CDATA[SACRAMENTO, Calif. - An ERISA-governed insurer's denial of disability benefits to a claimant with multiple sclerosis was supported by the administrative record, a federal judge in California ruled Sept. 29, finding that it was not an abuse of discretion for the insurer to rely on record reviews and employment reports (Ginger Seitles v. Unum Provident, Unum Life Insurance Company of America, No. S-04-2725, E.D. Calif.; 2009 U.S. Dist. LEXIS 90582). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 8 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 9%20(2009)%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>Court: Insurer Entitled To Rescind 2 Policies</title>
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<![CDATA[TACOMA, Wash. - A federal judge on Oct. 15 ruled that a disability insurer is entitled to rescind two policies that were issued based in part on an oral personal history interview where the claimant did not disclose that he had been treated by a psychiatrist within six months of the interview date (The Northwestern Mutual Life Insurance Co. v. Richard L. Koch, No. C08-5394, W.D. Wash.; 2009 U.S. Dist. LEXIS 96210). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 9 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Action Time-Barred Because Of Late Notice, 11th Circuit Finds</title>
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<![CDATA[ATLANTA - The 11th Circuit U.S. Court of Appeals ruled Oct. 21 in an unpublished opinion that an action to recover disability benefits under an ERISA-governed policy is time-barred because the claimant failed to file a claim within the plan's one-year notification period (Beatriz Martinez-Claib, M.D. v. Business Men's Assurance Company of America, et al., No. 08-16781, 11th Cir.; 2009 U.S. App. LEXIS 23074). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 10 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Documents Do Not Show Lack Of Discretion, 9th Circuit Says</title>
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<![CDATA[SAN FRANCISCO - The Ninth Circuit U.S. Court of Appeals on Oct. 20 in an unpublished opinion ruled that a claimant failed to show that an insurer did not have discretionary authority warranting a de novo standard of review and that the claimant was not entitled to a new administrative appeal on remand (Michael Cremin v. McKesson Corporation Employees' Long Term Disability Benefit Plan, et al., No. CV-07-1302, 9th Cir.; 2009 U.S. App. LEXIS 22974). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 11 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 12%20(2009)%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>Contract, Bad Faith Claims Preempted By ERISA, Judge Rules</title>
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<![CDATA[SAN FRANCISCO - Claims for breach of contract, bad faith and emotional distress arising from the denial of benefits under a group disability policy are preempted by the Employee Retirement Income Security Act, a federal judge in California ruled Oct. 6 (Gregory L. Bowling v. Prudential Insurance Company of America, et al., No. C 09-01581, N.D. Calif.; 2009 U.S. Dist. LEXIS 93434). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 12 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 13%20(2009)%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>Claimant Allowed Discovery Into Conflict Of Interest, Federal Judge Holds</title>
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<![CDATA[CHICAGO - A federal judge in Illinois on Oct. 9 granted in part a motion to compel discovery information into an ERISA-governed insurer's conflict of interest (J. Kevin Garvey v. Piper Rudnick LLP Long Term Disability Insurance Plan, et al., No. 08-C-1093, N.D. Ill.; 2009 U.S. Dist. LEXIS 94694). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 13 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 14%20(2009)%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>Bad Faith Claim Allowed To Proceed, Federal Judge Finds</title>
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<![CDATA[ORLANDO - A federal judge in Florida on Oct. 15 let stand claims of civil conspiracy and bad faith alleged against Unum Group Corp. arising from a denial of disability benefits but dismissed claims for breach of fiduciary duty and misrepresentation, finding that they had not been properly pleaded (Ronnie Hogan v. Provident Life and Accident Insurance Co., et al., No. 6:08-cv-1897, M.D. Fla.; 2009 U.S. Dist. LEXIS 95921). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 14 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-4 Mealeys Litig. Rep. Disab. Ins. 15%20(2009)%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>News From The LexisNexis Insurance Law Center</title>
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<![CDATA[[Editor's Note: The following items of interest appeared recently on the LexisNexis Insurance Law Center. Devoted to insurance litigation and the insurance industry, the Insurance Law Center is where you can connect with other insurance professionals to discuss the hottest issues. Become a regular contributor. Visit the center on the open Web for insurance-related headlines, discussion, expert commentary and more at: http://law.lexisnexis.com/practiceareas/insurance.] 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-4 Mealey's Litig. Rep. Disab. Ins. 15 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Judge: Benefit Denial Decision Was Not Supported By The Evidence</title>
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<![CDATA[LOS ANGELES - An ERISA-governed disability insurer that terminated benefits to a claimant with chronic neck pain abused its discretion, a federal judge in California ruled Sept. 15, finding that the insurer cited select evidence to support its decision and relied on ambiguous reviews (Graciela Saffon v. Wells Fargo &amp; Company Long Term Disability Plan, et al., No. CV04-1237, C.D. Calif.; 2009 U.S. Dist. LEXIS 84152). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 1 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Record Reviews Support Benefit Denial, Maryland Federal Judge Says</title>
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<![CDATA[BALTIMORE - An ERISA-governed disability insurer that denied benefits to a claimant with back pain did not abuse its discretion, a federal judge in Maryland ruled Sept. 14, saying there is sufficient evidence in the record to support the carrier's benefit denial (Marlene Krajewski v. Metropolitan Life Insurance Co., No. 08-2406, D. Md.; 2009 U.S. Dist. LEXIS 83741). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 2 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-3 Mealeys Litig. Rep. Disab. Ins. 3%20(2009)%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>6th Circuit Finds Termination Was Supported By Record</title>
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<![CDATA[CINCINNATI - Statements from a claimant's treating physicians that he could return to work supports an insurer's decision to terminate long-term disability benefits to a claimant suffering from chronic pain syndrome, the Sixth Circuit U.S. Court of Appeals ruled Sept. 21 (George Likas v. Life Insurance Company of North America, No. 07-6514, 6th Cir.; 2009 U.S. App. LEXIS 20917). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 3 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-3 Mealeys Litig. Rep. Disab. Ins. 4%20(2009)%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>ERISA Plan Failed To Adequately Explain Basis For Benefit Denial</title>
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<![CDATA[CHICAGO - A plan administrator that terminated benefits to a claimant with multiple sclerosis did not adequately explain its reasoning for rejecting the claimant's treating physicians' opinions that the claimant was disabled, the Seventh Circuit U.S. Court of Appeals ruled July 23, remanding the claim to the administrator for further review (Nancy Love v. National City Corporation Welfare Benefits Plan, No. 08-1722, 7th Cir.; 2009 U.S. App. LEXIS 16168). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 4 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-3 Mealeys Litig. Rep. Disab. Ins. 5%20(2009)%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>Reconsideration Request Counts As An Appeal, Ohio Magistrate Holds</title>
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<![CDATA[COLUMBUS, Ohio - A request for reconsideration of a benefits decision counts as an appeal and meets the requirement for an exhaustion of benefits, a federal magistrate judge in Ohio ruled Sept. 17 (Lawrence D. Brogan v. The Hartford Life Insurance Co., No. 2:08-cv-765, S.D. Ohio; 2009 U.S. Dist. LEXIS 85101). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 5 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-3 Mealeys Litig. Rep. Disab. Ins. 6%20(2009)%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>Missouri Federal Judge Allows Claim Over LTD Benefits To Stand</title>
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<![CDATA[ST. LOUIS - A federal judge on Sept. 14 ruled that a disability claimant that alleges that she was denied the opportunity to apply for long-term disability benefits after her short-term benefits claim was denied did not fail to exhaust her administrative remedies (Donna Blake v. Express Scripts Inc., et al., No. 4:09-CV-563, E.D. Mo.; 2009 U.S. Dist. LEXIS 83491). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 6 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Policy's 3-Year Limitations Period Is Enforceable, 6th Circuit Says</title>
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<![CDATA[CINCINNATI - A three-year contractual limitations period in four separate disability policies is valid and enforceable, the Sixth Circuit U.S. Court of Appeals ruled Sept. 2 in an unpublished opinion (Harmond H. Schaefer v. AXA Equitable Life Insurance Co., dba Equitable and Disability Management Services Inc., No. 08-2198, 6th Cir.; 2009 U.S. App. LEXIS 19987). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 7 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Divided 9th Circuit: ERISA Requirements Not Met By Summary Plan Description</title>
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<![CDATA[SAN FRANCISCO - In affirming that a claim for disability benefits under the Employee Retirement Income Security Act was untimely because it was not filed within the contractual one-year statute of limitations period, a divided Ninth Circuit U.S. Court of Appeals on Sept. 9 found that the placement and display of the statue of limitations in the plan's summary plan description met plan participants' reasonable expectations, assuming that the "reasonable expectation" doctrine applied (Donna Scharff v. Raytheon Company Short Term Disability Plan, et al., No. 07-55951, 9th Cir.; 2009 U.S. App. LEXIS 20130). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 8 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>6th Circuit: ERISA Plan's Claim Accrual Date Governs In Disability Case</title>
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<![CDATA[CINCINNATI - Parties may contract for the date on which a claim under the Employee Retirement Income Security Act accrues, the Sixth Circuit U.S. Court of Appeals ruled Aug. 24 in finding a disability claimant's claim barred by the plan's three-year statute of limitations (Jerry Rice v. Jefferson Pilot Financial Insurance Company, No. 08-4180, 6th Cir.; 2009 U.S. App. LEXIS 18962). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 9 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Conflict Of Interest Affected Decision-Making Process, 9th Circuit Finds</title>
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<![CDATA[SAN FRANCISCO - An ERISA-governed insurer's conflict of interest affected its decision to terminate benefits to a claimant with back problems, the Ninth Circuit U.S. Court of Appeals ruled Sept. 14, reversing a grant of summary judgment to the insurer. The appeals court held that the insurer abused its discretion in terminating benefits (Robert Montour, et al. v. Hartford Life &amp; Accident Insurance Co., No. 08-55803, 9th Cir.; 2009 U.S. App. LEXIS 20378). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 10 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Disability Policy Is Governed By ERISA, Federal Judge Holds</title>
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<![CDATA[PHILADELPHIA - A federal judge in Pennsylvania has ruled that two disability policies that were issued to two corporate officers under a split-fee arrangement are governed by the Employee Retirement Income Security Act, holding that the issue over disputed benefits will proceed as an action governed by ERISA. The insurer moved for judgment on the pleadings, and on Sept. 24, the judge ordered the parties to participate in a settlement conference set for Oct. 15 (William D. Spillane v. AXA Financial Inc., et al., No. 08-2151, E.D. Pa.; 2009 U.S. Dist. LEXIS 63739). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 11 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Coverage Terminated Because Of Ethical Violation, 6th Circuit Rules</title>
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<![CDATA[CINCINNATI - A disability insurer that terminated coverage to a claimant whose medical license was suspended acted reasonably, the Sixth Circuit U.S. Court of Appeals ruled Sept. 3 in an unpublished opinion (Niranjan Lal v. United States Life Insurance Co., No. 07-2009, 6th Cir.; 2009 U.S. App. LEXIS 19984). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 12 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<link>http://www.mealeysonline.com/mealey/ppv/articleSearch.do?searchTerm=%22%2010-3 Mealeys Litig. Rep. Disab. Ins. 13%20(2009)%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>Protective Order Request Over Disputed Discovery Requests Denied</title>
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<![CDATA[PROVIDENCE, R.I. - A blanket protective order in a discovery dispute involving an ERISA-governed long-term disability insurer is not warranted, a federal magistrate judge in Rhode Island ruled Sept. 15, finding that the disputes should be resolved through the traditional discovery process (Lorene Roccon Thompson v. UBS Financial Services Inc., et al., No. 09-033S, D. R.I.; 2009 U.S. Dist. LEXIS 84347). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 13 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>7th Circuit: Disability Plan Administrator Owes No Fiduciary Duty To Plan Sponsor</title>
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<![CDATA[CHICAGO - A disability plan administrator was not a fiduciary with respect to the plan sponsor under the Employee Retirement Income Security Act, the Seventh Circuit U.S. Court of Appeals affirmed Aug. 18 (Sharp Electronics Corporation v. Metropolitan Life Insurance Company, No. 08-2959, 7th Cir.; 2009 U.S. App. LEXIS 18385). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 14 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Apparent Bad Faith Claims Meet Requirements Of Federal Jurisdiction, Judge Rules</title>
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<![CDATA[COLUMBUS, Ohio - The potential recovery associated with an apparent bad faith claim against an insurer is sufficient to establish federal jurisdiction, an Ohio federal judge ruled Aug. 5, denying a plaintiff's motion to remand her complaint to state court (Estate of William A. Millhon, et al. v. Unum Life Insurance Co., No. 2:08-cv-652, S.D. Ohio, Eastern Div.; 2009 U.S. Dist. LEXIS 68299). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 15 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>News From The LexisNexis Insurance Law Center</title>
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<![CDATA[[Editor's Note: The following items of interest appeared recently on the LexisNexis Insurance Law Center. Devoted to insurance litigation and the insurance industry, the Insurance Law Center is where you can connect with other insurance professionals to discuss the hottest issues. Become a regular contributor. Visit the center on the open Web for insurance-related headlines, discussion, expert commentary and more at: http://law.lexisnexis.com/practiceareas/insurance.] 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-3 Mealey's Litig. Rep. Disab. Ins. 16 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Plan Amendment Limits Benefits To 2 Years, 7th Circuit Says</title>
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<![CDATA[CHICAGO - A plan administrator that terminated benefits to a claimant with a mental disability based on a limitation of benefits amendment for mental illness acted reasonably, the Seventh Circuit U.S. Court of Appeals ruled Aug. 14 (Michael Marrs v. Motorola Inc., et. al., No. 08-2451, 7th Cir.; 2009 U.S. App. LEXIS 18129). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 1 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Panel Affirms Insurer's Denial Of Disability Benefits Was Made In Good Faith</title>
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<![CDATA[LOS ANGELES - A California appeals panel on July 17 found that although triable issues exist as to whether an insured's claimed disability "was not wholly mental," an insurer did not act in bad faith in denying continued benefits under her policy's two-year limit on benefits for "mental, nervous, or emotional disorder[s]" (Linda L. Bosetti v. The United States Life Insurance Co. in the City of New York, et al., No. B206896 c/w B208835, Calif. App., 2nd Dist., Div. 3; 2009 Cal. App. LEXIS 1166). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 2 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Claimant Capable Of Sedentary Work, 5th Circuit Rules</title>
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<![CDATA[NEW ORLEANS - The Fifth Circuit U.S. Court of Appeals on Aug. 18 ruled that a plan administrator that denied benefits to a claimant that was able to work part-time and whose medical record showed evidence that he was capable of sedentary work did not abuse its discretion (Vicente A. Menchaca v. CNA Group Life Assurance Co., et al., No. 08-20658, 5th Cir.; 2009 U.S. App. LEXIS 18627). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 3 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>6th Circuit: Claimant Lacked Documentation On Abilities</title>
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<![CDATA[CINCINNATI - An ERISA-governed disability insurer that relied on independent record reviews after a claimant's treating physician failed to address the insured's actual functional abilities did not act arbitrarily or capriciously, the Sixth Circuit U.S. Court of Appeals ruled Aug. 20 in an unpublished decision (Linda L. Kiel v. Life Insurance Company of North America, et. al., No. 08-1990, 6th Cir.; 2009 U.S. App. LEXIS 18769). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 4 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>3rd Circuit: FCE, Vocational Review Support Termination Decision</title>
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<![CDATA[PHILADELPHIA - An ERISA-governed disability plan administrator that terminated benefits to a claimant with chronic back pain did not abuse its discretion, the Third Circuit U.S. Court of Appeals ruled Aug. 18, finding that the administrator acted reasonably by relying on an updated functional capacity evaluation (FCE) and vocational assessment (Judy L. Burk v. Broadspire Services Inc., et al., No. 07-3729, 3rd Cir.; 2009 U.S. App. LEXIS 18403). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 5 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>10th Circuit: Administrator Properly Reviewed Records, Sought Expert Opinion</title>
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<![CDATA[DENVER - An ERISA-governed disability plan administrator that terminated benefits to a claimant with fibromyalgia acted reasonably, the 10th Circuit U.S. Court of Appeals ruled Aug. 11, finding that the administrator continuously updated the claimant's medical records and conducted clinical record reviews and occupational assessments before its decision to terminate benefits (Barbara Colleen Holcomb v. Unum Life Insurance Company of America, No. 08-6183, 10th Cir.; 2009 U.S. App. LEXIS 17818). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 6 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>2nd Circuit Says Reliance On Physician Reports Was Reasonable</title>
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<![CDATA[NEW YORK - An ERISA-governed disability insurer that relied on physician record reviews in its decision to terminate benefits to a claimant with fibromyalgia and other ailments acted reasonably, the Second Circuit U.S. Court of Appeals ruled July 29 (Deborah Hobson v. Metropolitan Life Insurance Co., No. 07-0364, 2nd Cir.; 2009 U.S. App. LEXIS 16677). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 7 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>ERISA Plan Failed To Adequately Explain Basis For Benefit Denial</title>
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<![CDATA[CHICAGO - A plan administrator that terminated benefits to a claimant with multiple sclerosis did not adequately explain its reasoning for rejecting the claimant's treating physicians' opinions that the claimant was disabled, the Seventh Circuit U.S. Court of Appeals ruled July 23, remanding the claim to the administrator for further review (Nancy Love v. National City Corporation Welfare Benefits Plan, No. 08-1722, 7th Cir.; 2009 U.S. App. LEXIS 16168). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 8 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Termination Of Disability Benefits Not Arbitrary, 7th Circuit Holds</title>
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<![CDATA[CHICAGO - An Employee Retirement Income Security Act disability insurer did not act arbitrarily and capriciously in terminating benefits under the plan's mental illness limitation to a claimant suffering memory loss, where seven of 13 experts opined that the sole or primary cause of the claimant's disability was depression, not an organic disease, the Seventh Circuit U.S. Court of Appeals affirmed Aug. 4 (Bruce Fischer v. Liberty Life Assurance Company of Boston, et al., No. 08-2617, 7th Cir.; 2009 U.S. App. LEXIS 17226). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 9 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Claimant Was Entitled To Benefits, Judge Finds</title>
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<![CDATA[SAN JOSE, Calif. - Medical evidence in the record supports a claim for total disability benefits, a federal judge in California ruled July 17, finding that an insurer's benefit denial was unreasonable (Patricia Galvin v. Provident Life and Accident Insurance Co., No. C-07-5195, N.D. Calif.; 2009 U.S. Dist. LEXIS 61740). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 10 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Doctors Failed To Consider 'Chief Complaint,' Federal Judge Rules</title>
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<![CDATA[SAN JOSE, Calif. - An ERISA-governed disability insurer that relied on reports by two reviewing doctors in its decision to terminate disability benefits abused its discretion, a federal judge in California ruled July 27, finding that the reports failed to address the claimant's chief complaints of pain in their assessments (James Cushman v. Motor Car Dealers Services Inc., et al., No. 08-5284, C.D. Calif.; 2009 U.S. Dist. LEXIS 66098). 
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<title>2nd Circuit: Claimants Cannot Meet Commonality Requirement For Class Action</title>
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<![CDATA[NEW YORK - A federal court that denied class certification of an action seeking interest against a disability insurer for unreasonable delay in paying benefits did not abuse its discretion, the Second Circuit U.S. Court of Appeals ruled Aug. 18, finding that the plaintiffs cannot meet the "commonality" requirement for a class action (Douglas Dobson v. Hartford Financial Services Group Inc., et al., No. 08-0988, 2nd Cir.; 2009 U.S. App. LEXIS 18517). 
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<title>7th Circuit Remands Case For Further Review Under MetLife v. Glenn</title>
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<![CDATA[CHICAGO - The Seventh Circuit U.S. Court of Appeals on Aug. 6 remanded to a district court a suit involving the termination of a long-term disability claim, finding that the lower court failed to adequately address the standard of review with regard to the U.S. Supreme Court's ruling in MetLife v. Glenn (Edward Raybourne v. Cigna Life Insurance Company of New York, No. 08-2754, 7th Cir.; 2009 U.S. App. LEXIS 17480). 
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<title>5th Circuit Finds Conflict Of Interest Is Not Significant Factor In ERISA Case</title>
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<![CDATA[NEW ORLEANS - The Fifth Circuit U.S. Court of Appeals ruled July 16 that where a plan sponsor funds a trust with irrevocable and non-reversionary contributions and the plan takes steps to minimize a conflict of interest created by the sponsor's officer serving as the plan administrator, the structural conflict of interest will not be a significant factor in the court's review of the plan's denial of benefits under the Employee Retirement Income Security Act (Holland v. International Paper Company Retirement Plan, No. 08-30967, 5th Cir.). 
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<title>Claim Was Sufficiently Reviewed On Appeal, Federal Judge Finds</title>
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<![CDATA[CHARLESTON, W.Va. - An ERISA-governed disability plan that denied benefits to a claimant with bipolar disorder and upheld its decision on subsequent appeals properly notified the claimant regarding the appeal process, a federal judge in West Virginia ruled Aug. 12 (Martha B. Hodel v. The Prudential Insurance Company of America, No. 07-0419, S.D. W.Va.; 2009 U.S. App. LEXIS 17480). 
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<title>6th Circuit Says ERISA's Safe Harbor Doesn't Apply To Disability Plan</title>
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<![CDATA[CINCINNATI - The Sixth Circuit U.S. Court of Appeals ruled July 24 that the Employee Retirement Income Security Act applies to any insurance plan where an employer contributes to any employee's payment of premiums, rejecting a long-term disability plan participant's argument that a "hybrid" approach should be adopted (Joel Helfman v. GE Group Life Assurance Company, et al., No. 08-2168, 6th Cir.; 2009 U.S. App. LEXIS 16816). 
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<title>Divided 3rd Circuit: Consideration Of Condition Triggers ERISA Plan Exclusion</title>
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<![CDATA[PHILADELPHIA - The Third Circuit U.S. Court of Appeals affirmed 2-1 on July 30 that an Employee Retirement Income Security Act long-term disability plan properly denied benefits under the plan's pre-existing condition exclusion because, during the plan's look-back period, the participant's doctor ruled out the condition that subsequently disabled the participant. The participant filed a petition for rehearing and rehearing en banc on Aug. 8 (Jay Doroshow v. Hartford Life and Accident Insurance Company, No. 08-2836, 3rd Cir.; 2009 U.S. App. LEXIS 17010). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 17 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Bad Faith Claims Without Specific Facts Deemed Conclusory, Dismissed</title>
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<![CDATA[ORLANDO, Fla. - Merely "restat[ing] the statutory language" in an insured's bad faith and misrepresentation claims is not sufficient to survive a motion to dismiss, a federal Florida judge ruled on July 19, granting the insurer's motion for failure to state a claim (Ronnie Hogan v. Provident Life &amp; Accident Insurance Co., No. 6:08-cv-0897, M.D. Fla.; 2009 U.S. Dist. LEXIS 61630). 
<a href="http://www.lexis.com/research/xlink?canceldest=form&amp;keyenum=25271&amp;keytnum=0&amp;searchtype=get&amp;search=10-2 Mealey's Litig. Rep. Disab. Ins. 18 (2009)&amp;view=full&amp;ORIGINATION_CODE=00144" target="_blank">Full story on lexis.com</a>]]>
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<title>Remand To ERISA Administrator Not Basis For Fee Award, 4th Circuit Holds</title>
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<![CDATA[RICHMOND, Va. - A federal district court's remand of an Employee Retirement Income Security Act claimant's claim for long-term disability benefits to the insurer for additional consideration did not make the claimant a prevailing party for purposes of an attorney fee award, the Fourth Circuit U.S. Court of Appeals ruled July 14 in an unpublished per curiam opinion (Bridget Hardt v. Reliance Standard Life Insurance Company, et al., No. 08-1896, 4th Cir.; 2009 U.S. App. LEXIS 15478). 
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