ERISA Long Term Disability Case Citations and references

DISCLAIMER: Please note that every case is different and these verdicts and settlements, while accurate, do not represent what we may obtain for you in your case.

Denial Letter:

Denial Letter: ERISA requires that plans set forth specific reasons for such denial, written in a manner calculated to be understood by the participant." 29 U.S.C. § 1133(1). It is insufficient for a denial letter to state that the plan has reviewed the record and come to a conclusion without stating the "specific reason" for that conclusion. Weaver v. Phoenix Home Life Mut. Ins. Co., 990 F.2d 154, 158 59 (4th Cir. 1993). [The absence of any valid statement of the specific reason for denying a claim can be called neither reasoned nor principled nor can the procedure as to which that denial is the culmination.]