After an employee makes a long-term disability claim, the insurance company often requests an independent medical exam (IME). During the IME, you will be examined by a doctor chosen by the insurance company. If this sounds a little suspicious, you are right for being skeptical. Often, insurers use IMEs to deny disability benefits by having their doctor minimize
On May 16, 2018, the United States Court of Appeals for the Third Circuit issued a precedential opinion in American Orthopedic & Sports Medicine v. Independence Blue Cross Blue Shield, et al., Case No. 17-1663, upholding the validity of anti-assignment clauses in health plans governed by the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001, et
On May 9, 2018, the United States District Court for the District of Kansas remanded a long-term disability (“LTD”) claim back to the claims administrator for further consideration after it interpreted an ambiguous plan provision. A copy of the Court’s opinion in Derichs v. AT&T Services, Inc., Case No. 16-2346-JWL, can be found here. The Derichs plaintiff was
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