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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.
- AI Legal Risks
- Abuse of Discretion
- Accidental Death Insurance (AD&D)
- Attorneys' Fees
- Bad Faith
- Best Font for Legal Briefs
- Breach of Fiduciary Duty
- Case Review Corner
- Cherry-Picking Medical Records
- Costs
- Denied Disability Benefits
- Disability Insurance Company Tactics
- Disability While Working
- Duty to Cooperate
- ERISA
- ERISA Preemption
- ERISA disability claims
- Exhausting Administrative Remedies
- Fibromyalgia
- Footnote Citations
- Hiring an Insurance Lawyer
- Individual Disability
- Interpleader
- LTD Appeal Checklist
- Legal Document Design
- Legal Ethics
- Legal Typography
- Legal Writing Tips
- Life Insurance
- Long Term Disability
- Long Term Disability Insurance
- Long-COVID
- Lupus
- ME/CFS
- MetLife
- Objective Medical Evidence
- Pre-existing Condition
- Provider Reimbursement
- Reliance Standard
- Retroactive Disability Claims
- Sedentary Work
- Severance Agreement
- TBI
- Taxes
- The Litigation Back Docket
- Unum
- Waiver of ERISA Claims
- insurance appeal
- insurance exclusions
- real case examples
Dorian Law Takes Meta Employee’s Lincoln LTD Denial to Judgment — and Wins the Question That Decided the Case
A federal court in the Northern District of California held that Lincoln National wrongly denied a Meta employee’s long-term disability claim as “pre-existing” — because Lincoln never applied the Policy’s own Rehire Terms. The claimant, a content designer with a traumatic brain injury who was rehired within six months of leaving Meta, was found disabled through at least February 2025. Before the case was filed, general-purpose AI tools reviewed the same policy and denial letters and concluded Lincoln was right. The Court disagreed, and said why.
Four Long-Term Disability Denial Tricks — And How to Beat Them
Insurers use the same four tricks to cut off long-term disability benefits—blowing ERISA’s appeal deadline, cherry-picking records, invoking a 24-month “self-reported” cap, and pretending your hobby proves employability. Wonsang v. Reliance (4th Cir. 2025) dismantles every tactic. Learn how to leverage that ruling, sink the insurer’s battleship, and turn “No” into “Not so fast.”
Understanding “Abuse of Discretion” in ERISA Long-Term Disability Claims
Can your disability insurance company just make up their own rules?
When long-term disability (LTD) benefits are denied under ERISA, insurers often claim broad discretion. But if they twist or ignore the plan's actual terms, that's an abuse of discretion—one you can challenge. Here’s how it works, what the law says, and what you need to know to fight back.
H v. MetLife: Your Rights to Long-Term Disability (LTD) Benefits – Even if You Were Still Working
Discover how H v. MetLife confirms your right to LTD benefits under ERISA, even if you worked until termination. Learn how this ruling clarifies the “unable to earn” standard, the impact of de novo review, and what it means for your LTD claim.
Chevron ERISA LTD Plan Denied Deference—What It Means for You
Dorian Law PC recently helped secure a major ERISA litigation win against Chevron, convincing a federal court to strip discretionary review from its long-term disability plan. The ruling not only impacts our client’s claim—it reshapes the legal playing field for thousands of employees with LTD benefits governed by ERISA. Here's how we did it—and what it means for you.