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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Litigation - Discovery

Riemer Convinces Court to Award Wide-Ranging Discovery against Hartford

News Hartford Discovery

In Jacoby v. Hartford, 254 F.R.D. 477 (S.D.N.Y. 2009), the Federal District in New York City ordered Hartford to produce thousands of pages of documents pertaining to Hartford鈥檚 inherent conflict of interest. Rejecting Hartford鈥檚 claims of confidentiality and burdensomeness, the Court ordered Hartford to respond to plaintiff鈥檚 interrogatories and document demands, including the full production of Hartford鈥檚 BMS Claims Manual and SIU Reference Manual. The Court also rejected Hartford鈥檚 claim that documents held by its consulting firms Medical Advisory Group and University Disability Consortium were not within its 鈥減ossession, custody or control.鈥�
This decision is a valuable precedent because it provides a possible solution to the dilemma of being whipsawed between the insurance company and its consultants. When seeking documents, each entity claims that the other has the sole duty of producing the requested documents. In this case, the Court rejected Hartford's assertion that the documents held by its consultants, Medical Advisory Group and University Disability Consortium were outside Hartford's control. The Court ordered Hartford to use its influence with its consultants to obtain the requested documents. The Court held:

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CIGNA's Claims Manual is Not Confidential

News Discovery CIGNA Claims Manual

If CIGNA, or one of its subsidiaries, denies your long term disability claim, you should send a request to CIGNA demanding a copy of its claims manual. You should ask for it by name; CIGNA calls its claims manual "The Book of Operating Knowledge."

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