If you find yourself unable to work due to an injury or illness, the last thought on your mind is submitting to an insurance company’s demand to be examined by a doctor you’ve never met. Insurers refer to these events as “Independent Medical Examinations,” although under the circumstances they are anything but
Changes coming for bad-faith jury instructions?
The state of California has proposed changes to insurance jury instructions. The impact of these changes could have a negative effect on consumers. Bad Faith Litigation In California, bad faith litigation occurs when an insurance company refuses to honor its obligations under a policy. This means that they are refusing to pay for certain
All disability policies are not created equal
Most of us are covered by disability policies through our employers. Premiums are paid by payroll deductions and coverage is described in a summary plan description. Those policies (subject to a few exceptions discussed below) are governed by federal law, specifically, the Employee Retirement Income Security Act of 1974 (“ERISA“). These laws