What Is ERISA Disability?

ERISA stands for “The Employee Retirement Income Security Act of 1974.” That act covers many employee benefits, one of which is private employer disability insurance policies. There are two types of disability insurance policies, only one of which is governed by ERISA. One type is given to public employees (school teachers, police officers, firefighters, etc.). [...]


Navigating the Challenges of Long-Term Care Insurance Claims

In the US alone, Long-Term Care Insurance is estimated to have covered 8 million people. LTCI policies come in many varieties. The  language of the policies and the  technical requirements for filing a successful claim can be very confusing. The attorneys at Robinson Warncke have  a great deal of experience in presenting LTCI claims and [...]


Social Security denies disability benefits based on list with jobs from 1977

The Washington Post recently published an article addressing one of the common challenges we face in presenting long term disability claims. Although the article focuses on Social Security disability, the concepts are equally relevant to group long term disability claims under the federal law known as ERISA. Most ERISA-governed long term disability policies contain an [...]


Why Is New York Life Handling My Cigna Disability Insurance Claim?

On December 31, 2020, New York Life completed its acquisition of all of Cigna’s group disability, accident, and life insurance business.  As a result, your Cigna benefit claims are now administered by “New York Life Group Benefit Solutions.”  This change applies even if your Cigna claim was approved, and you have been receiving benefits since [...]


Robinson Warncke Sues MetLife under new ERISA Regulations – Confidential Settlement of Long-Term Disability Claim for Deloitte Partner.

Robinson Warncke Sues MetLife under new ERISA regulations This case confirmed the efficacy of the Department of Labor’s (DOL) 2018 revisions to ERISA’s “full and fair review” claim regulations. At ERISA’s inception in 1974, Congress charged the DOL with enacting regulations defining how insurance companies must behave to fulfill ERISA’s guarantee of a “full and [...]


COVID-19 Long Haulers and Disability Insurance Claims – What You Need To Know

Did you know COVID-19 brought as many as 1.2 million additional disability claims in 2021? If you suffer from long-haul COVID, you may have been struggling with your insurance company or considering filing for disability benefits. Insurance companies are working to develop policies they expect will be effective through at least the end of 2022, [...]


Long Term Disability for Dentists

Dentists tend to have a much higher incidence of neck and back problems than the general population. Dentists are required to be on their feet for hours, often in non-ergonomic positions, while performing procedures on their patients. This takes a toll on the body over time. Many dentists have the foresight to buy disability insurance [...]


How Do Pre-Existing Medical Conditions Affect Your Disability Insurance Claim?

Nearly all long-term disability insurance policies exclude coverage for disabilities caused or contributed to by “pre-existing” conditions. Although the 2014 Affordable Care Act known widely as “Obamacare” now prohibits pre-existing condition exclusions in health insurance policies, it is important to understand that this law does not apply to disability insurance. The legitimate purpose for these [...]


RW Assists CEO Proving Traumatic Brain Injury Caused Autonomic Dysfunction – Confidential Lump Sum Settlement Against Mutual of Omaha.

Most of our clients are extraordinarily driven, highly successful professionals and executives. Our clients typically have a great deal of themselves invested in their careers, in terms of education, time and energy. Their very identities are very much tied to their careers. People like this deserve the benefit of the doubt when they say they [...]


Tippitt v. Reliance Standard Life Ins. Co. – RW Appeal to Eleventh Circuit Leads to ERISA Decision Adopting a Practical, Realistic Analysis of Competitive Employment for Analyzing Disability Claims.

ERISA Long Term Disability This case resulted in a favorable reported decision from the Eleventh Circuit Court of Appeals. The Court rejected a reading of disability policies which would unfairly deny a broad class of claims, and adopted a more practical, realistic analysis of competitive employment for analyzing disability claims.