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Tennessee Disability and Life Insurance Blog

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Recent Court of Appeals Decision Shows How Difficult It Is in Tennessee to Challenge a Beneficiary’s Rights

  Under what circumstances will a court rule that the named beneficiary under a life insurance policy is not entitled to receive the proceeds of the policy?  In Estate of Lane v. Courteaux (2017), the Court of Appeals of Tennessee wrestled with that issue, before ruling against the party who…

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What an ERISA Disability Plaintiff Has to Prove to Win Attorney’s Fees in an ERISA Disability Case

Even when plaintiffs win ERISA disability lawsuits, their attorney’s fees can cut into their awards.  In some ERISA disability cases, however, plaintiffs can recover their attorney’s fees (and costs) under federal law. What do plaintiffs need to show in order to be awarded their attorney’s fees in an ERISA disability…

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The Substantial Compliance Test: What Happens When the Insured Meant to Change His or Her Beneficiary, But Did Not Follow the Life Insurance Policy’s Procedures

What happens in life insurance policy litigation when an insured intended to change the beneficiary of his or her policy from an ex-spouse to a current spouse, but did not correctly fill out and/or submit all the necessary paperwork before his or her death? Can the current spouse make a…

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Even Though Insurers Receive the Benefit of the Doubt in ERISA Litigation, They Don’t Get a Free Pass

In an ERISA disability case, a court will not overturn an insurer’s decision to deny a claimant benefits unless it is clear from the administrative record that the decision was “arbitrary and capricious.” This can be a tough bar for someone covered by a disability policy.  In fact, courts in…

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Can Life Insurance Companies Deny Benefits If the Insured Died of a Drug Overdose?

A serious and important question in a life insurance policy case can be: Is a death caused by a drug overdose an “accident” or is it an intentional act that can permit an insurer to deny benefits under the terms of the policy? Courts in the Sixth Circuit have wrestled…

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Dealing With a Disability Insurance Denial Based on a Policy Exclusion

If you have a disability insurance policy governed by ERISA and you are challenging an insurance company’s denial of disability benefits, you’ll have to convince a court that the decision was “arbitrary and capricious” and not just incorrect. This is a tough bar to meet in disability insurance cases in…

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Qualifying for Long-Term Disability Benefits: The Two Standards Claimants Usually Have to Meet

Many disability insurance policies provide two eligibility standards for benefits. The first is sometimes referred to as the “Your Occupation” (or “Own Occupation”) standard.  Under this standard, a claimant is eligible for benefits only if the disability prevents him or her from performing the essential duties of his or her…

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Misrepresentation and Life Insurance: When Can Incorrect Information on an Application Result in a Denied Claim?

Under Tennessee law, a life insurance company can deny a claim for benefits if the insured individual was less than honest in his or her insurance application. Specifically, Tennessee Code Annotated § 56–7–103 provides that a misrepresentation in an application for an insurance policy can void the policy if the…

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Examining the Rights You Have Under ERISA When Appealing a Denial of Disability Benefits

In an ERISA disability case, an insurance company cannot deny a claim without any explanations. Instead, under 29 U.S.C. §1133, it has to provide written notice of the “specific reasons” for the denial, and it must allow a “full and fair review” of any denial, i.e., an administrative appeal. An…

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What Scope of Discovery is Available to ERISA Plaintiffs in the Sixth Circuit?

In an ERISA disability case, a claimant who challenges a denial of long-term disability benefits by filing a court action is generally not able to present evidence to the court that is not in the administrative record. The administrative record is legalese for all of the medical records, documents and…

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