Medical Record Ping-Pong

Have you ever played a game of ping-pong? The game where you hit the ball back and forth? A somewhat frustrating development in the world of disability insurance appeals has emerged due to the recent revision of the federal regulation implementing ERISA, the federal law that governs most long-term disability claims, 29 CFR § 2560.503-1. The revision requires a disability insurer that denies long-term disability benefits to provide a copy of the medical evidence, on which the denial was based, to the insured for a response before the insurance company renders a final decision. While this may sound like a
Read More