We appeal wrongful long term disability insurance and Social Security Disability denials.

Case Summary Blog

Court Ruled In Favor of Unum Under Deferential Standard of Review

Today we review Arenson v. First Unum Life Insurance Company that was decided by the United States District Court for the Northern District of Illinois. Gregg Arenson was a futures and options trade broker. He sued his former employer’s benefits administrator, First Unum Life Insurance Company (hereinafter “Unum”) under ERISA. He challenged Unum’s denial of …

Court Ruled In Favor of Unum Under Deferential Standard of ReviewRead More

Unum Should Have Ordered an IME to Determine if Disability Was Mental or Physical

Unum paid long term disability insurance benefits to Susan Moseley, but stopped paying after a period of time pursuant to the mental illness limitation in her long-term disability (LTD) policy (a policy is also called a “plan” of benefits). Moseley appealed the case all the way to federal court, arguing that Unum abused its discretion …

Unum Should Have Ordered an IME to Determine if Disability Was Mental or PhysicalRead More

Marselle v. Unum – Kentucky District Court Finds Unum Made a “Reasoned Determination”

Jonni Marselle was covered for long term disability (LTD) benefits under a group plan provided to Humana, Marselle’s former employer. Marselle was a consultant with Humana. The position was sedentary as it required her to constantly sit, occasionally stand, and occasionally walk. She mostly did computer work. Her disabilities included immunodeficiency, serious back pain, sinus …

Marselle v. Unum – Kentucky District Court Finds Unum Made a “Reasoned Determination”Read More

Foss v. Standard – “Own Occ” is With Any Employer, Not With Specific Employer

I’ve been away from case summaries for a bit. Going to turn that around with a recent decision in Foss v. Standard Insurance Company, Case No. 20-cv-2449, decided by the United States District Court for the District of Minnesota on August 19, 2022. Unfortunately, the Court ruled in favor of the insurance company. Plaintiff Caroline …

Foss v. Standard – “Own Occ” is With Any Employer, Not With Specific EmployerRead More