Disability insurer loses bid to limit benefits physician sought

Workplace Issues

By Mark D. DeBofsky

Mark D. DeBofsky is the name partner of DeBofsky Law Ltd. — on the web at debofsky.com. He handles civil and appellate litigation involving employee benefits, disability insurance and other insurance claims and coverage issues. He can be reached at mdebofsky@debofsky.com.

Posted April 12, 2023 10:25 AM

Both federal and state laws mandate parity in health insurance policies between physical and behavioral health conditions. However, mental health parity is not required in disability insurance policies by any state other than Vermont. Consequently, most disability insurance policies provide inferior coverage for psychiatric impairments, although a recent federal court ruling from Michigan, Berg v. Unum Life Insurance Company of America, 2023 WL 2619015 (E.D. Mich., March 23), rejected Unum’s attempt to limit the duration …

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