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Category: Accidental Death Benefits

Your ERISA Watch – Ninth Circuit Holds That Substantial Contribution Standard Applies to AD&D Policy Exclusion and Reverses Denial of Benefits

I’m pleased to report this week’s notable decision is a firm victory in the case of Dowdy v. Metro. Life Ins. Co., No. 16-15824, __F.3d__, 2018 WL 2223722 (9th Cir. May 16, 2018), which involved a denial of benefits under…

Do You Know About Your ERISA Life Insurance Exclusions?

The California Bay Area workforce is booming and employers are competing with each other to attract the best pool of candidates.  Many employers offer prospects generous employee benefits, including long-term disability insurance, life insurance, and accidental death & dismemberment coverage.…

Accidental Death & Dismemberment Insurance Exclusions

If you have an ERISA-governed life insurance benefit plan that contains an AD&D rider, the insurance policy likely contains a number of exclusions for coverage of an accidental death or dismemberment (loss of the use of certain body parts including eyesight or limbs).…

ERISA Watch – February 8, 2016

Happy Monday! Hope you’re not late for a very important date! According to a recent decision out of the Fifth Circuit Court of Appeals, Moss v. Unum Group, a claimant’s failure to timely submit a written appeal of a denial…

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