Confidential Settlement of Long-Term Disability Claim Reached with Liberty Mutual After it Denied Claim for “Own Occupation” BenefitsConfidential Settlement of Long-Term Disability Claim Reached with Liberty Mutual After it Denied Claim for “Own Occupation” Benefits

December 9, 2015

Mr. K was working as a Sales Representative. His company had purchased a group long-term disability insurance policy through Liberty Mutual (underwritten by Liberty Life Assurance Company of Boston). This insurance policy provided long-term disability (LTD) insurance to all full-time, actively working employees. When Mr. K’s symptoms associate with his medical conditions became such that he could…

Unum Life Insurance Company Reverses Its Decision on Migraine Headaches

December 9, 2015

A physician client of ours purchased an Individual Disability Policy of Insurance from Unum Insurance (“Unum”) in the event she became disabled and could no longer perform her job.   Due to her development of chronic migraines, Dr. V was unable to continue working and applied for long-term disability benefits.  Unum denied Dr. V’s claim stating it…

Unum Life Insurance Company Reverses Decision to Terminate Disability Claim of Client Suffering from Chronic Pain

February 23, 2015

Mr. “F” called our office, through co-counsel, when Unum terminated his long-term disability (LTD) insurance benefits.  Although he had been receiving monthly disability benefits for years, Unum claimed he was no longer disabled under the group insurance policy provided by his employer.  Because the insurance was provided through work, his claim was governed by the Employee…

Unum Insurance Mishandling Colorado PERA Disability Claims?

April 23, 2013

We have recently discovered a major failing in the way Unum Insurance is administering and deciding Colorado PERA disability claims. If you are reading this blog, you are likely aware that Unum Insurance is the Disability Program Administrator for the Colorado Public Employee Retirement Association (Colorado PERA) Disability Program. This is a two-tiered disability program which…


March 3, 2012

Our office was recently successful in obtaining Colorado PERA* disability retirement benefits on behalf of a former teacher suffering with Marfan’s syndrome and several other medical conditions. Standard Insurance agreed our client could no longer perform her job as a teacher, and that she was fully disabled for a brief four-month period of time, during which PERA…


January 11, 2011

In reading other blogs we have posted, as well as content on our website, one is likely already aware of the extensive experience we have in handling disability claims on behalf of PERA members. Since the change to the PERA disability system in 1999, the designated Disability Program Administrator (“DPA”) of the PERA disability program…