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Welcome to Dorian Law’s blog page. This is where we write about useful tips, emerging trends, and provide thoughtful insights regarding LTD, Life, and AD&D Insurance benefits. Search for something you are interested in or check out a topic from the list below. Whatever brought you here, I hope we can make a difference.
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- The Litigation Back Docket
- Unum
- Waiver of ERISA Claims
- insurance appeal
- insurance exclusions
- real case examples
I Won Social Security Disability. Why Did My LTD Insurer Deny Me?
A Social Security disability award doesn’t bind your long-term disability insurer, but the insurer can’t simply ignore it. For claims filed after April 1, 2018, the denial must explain why the insurer disagrees. Here’s how courts weigh the award, why timing matters, and how to build your appeal around it.
Is Your Denial Letter Defective? A Checklist Based on Federal Law
Your denial letter must include specific information under federal law. This checklist compares your disability, life, or AD&D denial to the requirements, one item at a time, and shows what courts have done when an insurer left something out.
The Death Certificate Says ‘Accident.’ Why Was the AD&D Claim Denied?
A death certificate that says “accident” doesn’t guarantee AD&D benefits. When a stroke or other illness comes before a fatal fall, insurers deny the claim. Here’s what courts actually ask, and what an appeal of a benefit denial needs to prove.
The Judicial Calibration of Medical Reviewer Bias in Post-Glenn ERISA Litigation
Is your insurer's "independent" medical reviewer truly independent? A circuit-by-circuit analysis of how every federal court measures, weighs, and exposes the financial bias of contracted medical consultants in ERISA disability claims — and what it means before your appeal deadline closes.
The Litigation-Back Approach to ERISA Benefit Denials: How Federal Courts Evaluate Disability, Life, and AD&D Claims — and What That Means for Yours
ERISA benefit denials turn on two axes: the strength of the insurer's process and the strength of the claimant's evidence. Understanding how federal courts evaluate both — and building the administrative record accordingly — is the difference between winning and losing.