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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
- Unum
- Waiver of ERISA Claims
- insurance appeal
- insurance exclusions
- real case examples
- vague insurance denial
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.
An Analysis of Unum's Internal Disability Claim Medical Review Process and Associated Litigation
Are you struggling with a denied disability claim from Unum? This analysis reveals common tactics used by Unum, including reliance on 'paper reviews' and challenges to claimant credibility. Explore evidence of Unum's multi-step review process and how it can impact your claim. If you believe Unum has acted in bad faith or violated ERISA, understanding your options for legal action against Unum is critical. Our report provides insights into court cases and regulatory settlements involving Unum disability claim denials.