Day 1 - Thursday, January 22, 2015

7:15
Continental Breakfast and Registration
8:00
Co-Chairs’ Welcoming Remarks
8:05
8:05 In-House Roundtable: Counsel and Claims Professional Insights on New Emerging Issues in Disability Insurance Claims
9:50
Morning Coffee Break
10:00
ERISA Case Law Year in Review: A Circuit-by-Circuit Examination of the Key Case Law Developments from 2014, What They Mean for Your Practice in 2015 and Their Impact on ERISA Disability Litigation
10:45
The Current State of New Remedies & Equitable Relief Under ERISA §502(a)(3): Navigating the Ongoing Fallout From Amara, McCutchen and Their Progeny
11:40
Judicial Review of Claims Decisions and the Battle Over Discretion: How Are Individual States Treating Discretionary Clauses in ERISA Plans, and​ How To Strategically Use the Discovery in Record to Win Your Case
12:35
Networking Lunch for Delegates and Speakers
1:30
The Latest Discovery Trends in Disability Claim Actions – Conflict of Interest Discovery, the Scope of the Administrative Record, the Fiduciary Exception to the Attorney-Client Privilege and Beyond
2:25
Mental Disorders, Substance Abuse and Other Limited Conditions – Tackling the Challenges of Handling Mental/Nervous Claims and Establishing Objective Proof of “Non-Visible” Conditions
3:55
Afternoon Break
4:00
Tackling the IME’s Evaluation, Treating Physician’s Opinion, the FCE, Neuropsych Evaluations, Medical Records and More
5:20
Get Hip to HIPAA – Understanding and Overcoming the Various Privacy Issues Implicated in the Procurement, Use and Disclosure of Medical Records and Patient Information in the Context of Disability Claims
6:05
Conference Adjourns

Day 2 - Friday, January 23, 2015

7:30
Continental Breakfast
8:00
The View From the Bench
9:30
Morning Coffee Break
9:40
Tips, Strategies and Best Practices for Successful Early Mediation of a Disability Claim
11:10
Proper Use of Social Media, Surveillance and Modern Technology in Conducting an Effective and Legally Compliant Disability Claim Investigation
11:50
Vocational Issues in Disability Claims: The Assessment of Own Occupation, Any Occupation, Dual Occupation and Employability; and Determining a Claimant’s Entitlement to Full or Partial Disability Benefits
12:45
The Latest Trends, Developments and Challenges in Non-ERISA Claims: An In Depth Look at Continuing and Emerging Topics in IDI and LTD Claims
1:25
Networking Lunch for Delegates and Speakers
2:25
Defending Rule 30(b)(6) Corporate Depositions in Disability Insurance Claims
3:20
Recovery of Attorneys’ Fees in the ERISA and Non-ERISA Context
4:05
Developments in Social Security Awards, Offsets, Overpayments and Liens in Disability Cases
5:00
Conference Ends

Day 1 - Thursday, January 22, 2015

7:15
Continental Breakfast and Registration
8:00
Co-Chairs’ Welcoming Remarks

Kristina B. Pett

Pett Furman, PL

Robert K. Scott
Partner
Newmeyer & Dillion LLP

8:05
8:05 In-House Roundtable: Counsel and Claims Professional Insights on New Emerging Issues in Disability Insurance Claims

Panel 1 | 8:05 - 9:00

Cesar R. Britos
Assistant Vice Preseident & Senior Counsel
Unum

Colleen A. DeNoto
Vice President, Corporate Counsel
The Prudential Insurance Company of America

Mark C. Taylor MS, CCM, CDMS
Executive Director, Claims
RGA Reinsurance Company

Viktoriya Torchinsky-Field
Managing Counsel, Litigaiton
Cigna Corp.

Peter M. Kelly
Chief Employee Benefits Counsel
Blue Cross Blue Shield

Kevin J. Tierney
Vice President & General Counsel
Disability Reinsurance Management Services, Inc.

Panel 2 | 9:00 – 9:50

Jessica Mitchell Standish
Assistant Vice President Assistant General Counsel
The Hartford

Adam E. Formus
In-House Counsel
Disability Management Services, Inc.

Maureen T. Mulville CLU, FLMI
Vice President, Compliance & General Counsel
Illinois Mutual Life Insurance Company

Noreen Fierro
Vice President, Chief Compliance Officer Retirement Solutions and Group Insurance
Guardian Life Insurance

Jim Welty
Managing Attorney – ISG Legal
The Standard

Brian Landry
Executive Vice President
Claims Bureau USA

Panel 1 and 2 Moderator:

Adrienne C. Publicover
Partner
Wilson Elser Moskowitz Edelman & Dicker LLP

In this valuable panel, hear from in-house on the front lines at the leading carriers. Gain perspective as they walk you through a claim from start to finish, from their side. Join a great discussion with plenty of opportunities for Q&A. Topics include:

  • Thoughts on investigation: use of social media and surveillance as tools
  • Pre-litigation resolution tactics
  • In house response to Department of Insurance inquiries and complaints
  • Retaining outside counsel: factors to consider
  • Views on mediation
  • Challenges to sufficiency of the complaint
  • Discovery and Rule 26 disclosures
  • Post litigation investigative techniques
  • Punitive damages in non-ERISA
  • How metrics can help foreshadow potential litigation and regulatory issues
  • Complaints tied to claims – what they can tell us
  • New compliance issues and hurdles created by the Affordable Care Act

9:50
Morning Coffee Break
10:00
ERISA Case Law Year in Review: A Circuit-by-Circuit Examination of the Key Case Law Developments from 2014, What They Mean for Your Practice in 2015 and Their Impact on ERISA Disability Litigation

John T. Seybert
Partner
Sedgwick LLP

Bradley Betlach
Counsel
Voya

This panel will provide you with a comprehensive circuit-by-circuit review of the year’s most important disability cases under ERISA. Follow along as counsel well versed in the new developments in case law over the past year engage you in an in-depth examination of the real-life impact of each case on ERISA disability practice. Participants will learn what these cases reveal about trends in ERISA disability litigation as well as recommendations for how inhouse counsel and ERISA practitioners can update their litigation strategies in response to recent developments going forward.

Whether you are new to the practice of ERISA disability litigation or a senior practitioner in need of a refresher, you will find this session invaluable for getting up to speed on the latest cases, while maximizing your opportunity to engage in the advanced discussion that will be the hallmark of the main conference.

Please note that the cases covered during this session will be updated to include all high profile cases resolved by January 2015.

10:45
The Current State of New Remedies & Equitable Relief Under ERISA §502(a)(3): Navigating the Ongoing Fallout From Amara, McCutchen and Their Progeny

Denise M. Clark
Founding Partner
Clark Law Group, PLLC

Anthony F. Shelley
Partner
Miller & Chevalier Chartered

John J. Myers

Eckert Seamans Cherin & Mellott, LLC

  • Assessing the ongoing impact of Amara, McCutchen and their progeny on ERISA litigation
  • Developing case law and recent lower court rulings/standards
  • The new remedies landscape
  • Equitable relief; plan reformation; detrimental reliance
  • Arguing against monetary damages as a form of equitable relief
  • What recovery provisions qualify as clear and specific? When do equitable principles “augment” the plan?
  • Minimizing damages in the wake of Amara
  • How have Amara, McCutchen and their progeny changed the remedies landscape from the plaintiff’s viewpoint?
  • What must plaintiffs prove in order to obtain remedies?
  • How have the courts interpreted ‘plan terms’?
  • Can you look to SPDs and other documents?
  • Equitable recoupment of benefit overpayments after McCutchen
  • ERISA remedies in fiduciary breach claims – how are the circuits ruling?; litigating these claims
  • Disgorgement as an equitable remedy – implications of the
    Supreme Court decision in Rochow v. LINA

11:40
Judicial Review of Claims Decisions and the Battle Over Discretion: How Are Individual States Treating Discretionary Clauses in ERISA Plans, and​ How To Strategically Use the Discovery in Record to Win Your Case

René E. Thorne
Managing Shareholder
Jackson Lewis P.C.

Azeez Hayne
Partner
Morgan, Lewis & Bockius LLP

Ronald K. Alberts

Gordon & Rees LLP

  • Judicial review of the administrative record in adverse disability ERISA claims decisions – when do the courts use the de novo standard; when do they use an arbitrary & capricious standard? How has this case law been evolving?
  • Examining the effects of discretionary clauses in ERISA plans
  • What potential effects can a discretionary clause have on an insurer’s handling of a claim?
  • How do such clauses affect the standard of review used by courts in the review of adverse benefit decisions?
  • State prohibitions on discretionary clauses: Which states have banned such clauses? How have the states varied in their application of such clauses?
  • Is state regulation of discretionary clauses preempted by ERISA?
  • Is a ban on discretionary clauses applicable if it conflicts with the plan’s choice of law provision?
  • Do state bans on discretionary clauses apply to policies “issued or delivered” in another state?
  • Can a state ban on discretionary clauses be applied retroactively?
  • What does evolving case law say regarding the language included in these clauses?
  • What have the courts been saying regarding the fairness and permissibility of such clauses?
  • What factors/evidence can a claimant show/rely upon to get the court to lessen the deference accorded to an adverse benefit determination?
  • When and under what circumstances can an arbitrary & capricious standard of review be converted to a de novo standard?
  • Considerations when there is a fiduciary breach claim and a
    benefits claim
  • Practical approaches/tactics to developing and utilizing the evidence in record to win your case when the standard of review is arbitrary & capricious? When the standard of review is de novo?

 in the Face of a “De Novo” vs. “Arbitrary & Capricious” Standard of Review

12:35
Networking Lunch for Delegates and Speakers
1:30
The Latest Discovery Trends in Disability Claim Actions – Conflict of Interest Discovery, the Scope of the Administrative Record, the Fiduciary Exception to the Attorney-Client Privilege and Beyond

Jason A. Newfield Esq.
Founding Partner
Frankel & Newfield P.C.

Joseph M. Hamilton
Partner
Mirick, O’Connell, DeMaille & Lougee, LLP

James A. Keller
Partner
Saul Ewing LLP

The Latest Treatment of Conflict of Interest Discovery

  • How have the lower courts been continuing to interpret the scope of discovery in the aftermath of MetLife v. Glenn?
  • The effect of insurer/plan administrator conflicts of interest on the scope of discovery
  • Access to information outside of the administrator’s claim file; requests for evidence outside of the record in “conflicts situations” – What are the courts allowing now?

The Scope of the Administrative Record

  • Determining the contents of the administrative record and assessing claims of privilege
  • Best practices for limiting discovery to the administrative record
  • Determining which documents must be disclosed

The Fiduciary Exception to the Attorney-Client Privilege

  • Determining whether a particular conversation or communication fits the fiduciary exception to the attorney-client privilege
  • What are the legal and practical implications of this on discovery?
  • How does the application of the fiduciary exception vary across jurisdictions

Discovery Requests/Responses in ID & LTD Claim Cases

  • Identifying the key issues of discovery at the beginning stages of litigation
  • What should the plaintiff request and how can the insurer properly respond to requests?
  • Identifying the appropriate discovery motions to file
  • Avoiding ERISA penalties when responding to document requests

2:25
Mental Disorders, Substance Abuse and Other Limited Conditions – Tackling the Challenges of Handling Mental/Nervous Claims and Establishing Objective Proof of “Non-Visible” Conditions

Ronald Roberts Ph.D.
Forensic Neuropsychologist
Forensic Psychiatric Associates Medical Corporation

Charles Saldanha MD
Forensic Psychiatrist
Forensic Psychiatric Associates Medical Corporation

Henry G. Conroe MD
Clinical Assistant Professor, Rush Medical College Regional Medical Advisor, Social Security Administration
Region V

Nicole Y. Blohm
Partner
Meserve, Mumper & Hughes LLP

Mental Illness, Substance Abuse and Mental/Nervous Limitations

  • Understanding the complexities of the mental illness: Distinguishing between a physical problem in the brain chemistry and a mental symptom
  • Evaluating the medical experts that are key to mental illness claims
  • IME strategies and record review; building a medical record which supports your claim
  • Losing or winning the claim at summary judgment
  • What are the limitations to the mental illness claims
  • Interpreting the co-morbid condition: When the mental illness arises out of the physical illness; How to deal with co-morbid conditions?
  • Identifying the condition causing the inability to work
  • Identifying whether there is a cognitive component to a disability claim and whether or not that component should be classified as “mental/nervous”
  • Preparing your client’s claim so that it is properly categorized by the insurance company
  • Recent challenges to the mental/nervous limitations – what types of challenges have proven successful?
  • Successfully challenging and changing an initially incorrect
    benefits determination
  • Substance abuse and risk of relapse as a defensible disability
  • What kind of policy language is being seen regarding coverage for substance or alcohol abuse? How are these provisions being interpreted? What is the current state of the law on whether such a claimant is entitled to benefits?

Fibromyalgia, Chronic Fatigue Syndrome, Chronic Pain and Chronic Lyme Disease

  • Proving the existence of the disorder
  • How to identify the appropriate healthcare professionals to properly diagnose and/or evaluate a subjective condition: Should IME’s be the norm? Are peer reviews sufficient to overcome clinical evaluations by treatment providers?
  • Balancing the need for objective proof versus the subjective disorder: Understanding objective proof of diagnosis v. objective proof of limitations; Testing to objectively verify functional limitations
  • Distinguishing one claimant’s ability to work with these conditions and another claimant’s inability to work with these conditions
  • Educating courts and/or adversaries who are not medically savvy

3:55
Afternoon Break
4:00
Tackling the IME’s Evaluation, Treating Physician’s Opinion, the FCE, Neuropsych Evaluations, Medical Records and More

Ronald Roberts Ph.D.
Forensic Neuropsychologist
Forensic Psychiatric Associates Medical Corporation

Leo J. Shea III, Ph.D.
Clinical Associate Professor of Rehabilitation at Rusk Institute
President, Neuropsychological Evaluation and Treatment Services, P.C.

Richard N. Bien
Partner
Lathrop & Gage LLP

The Fundamental Right to Require IMEs or FCEs During a Claim

  • During each stage of the case: initial claim review, during
    litigation, during an appeal
  • What type of testing is required under the contract and what type of testing is most relevant to the claim
    • Disabling Physical Illness – is an FCE warranted?
      A neuropsychiatric exam?
    • Disabling Mental Illness – is the Neuropsychiatric exam warranted?
    • In a “pain case” what testing is relevant?

What Must Be Preserved and Produced Related to the Examinations

  • The exchanges between the examiner and insurance company?
  • The raw data from a Neuropsychiatric or Neuropsychological Exam?
  • Can the examination be videotaped, audiotaped or witnessed?
  • What data, if any is confidential?

How to Establish the Credibility of Examinations

  • Comparing and assessing the different approaches by physical therapists for the FCE
  • Comparing and assessing the different approaches to the Neuropsychiatric and Neuropsychological exams – examples of testing used and their purpose
  • Evaluating the Credentials of the examiners and potential bias
  • Taking action to establish unreliability and/or bias early on so that evidence of same can be included with appeal filing

5:20
Get Hip to HIPAA – Understanding and Overcoming the Various Privacy Issues Implicated in the Procurement, Use and Disclosure of Medical Records and Patient Information in the Context of Disability Claims

Elizabeth J. Bondurant
Partner
Womble Carlyle Sandridge & Rice, LLP

Bryan D. Bolton
Founding Partner
Funk & Bolton, P.A.

Medical Records

  • The proper use and disclosure of medical records in disability cases
  • The impact of HIPAA’s privacy rules on the discovery of health information in litigation; the latest court decisions on this
  • Tips for identifying HIPAA issues and pitfalls to avoid
  • Abiding by applicable rules governing court filings; redactions vs. use of protective orders

Doctor Interviews

  • What counsel should consider when taking ex parte physician interviews in light of HIPAA and the heightened awareness of privacy concerns
  • Can legal counsel and physicians engage in ex parte interviews without patient authorization or knowledge?
  • Navigating the inconsistencies between HIPAA and state law protections
  • Does a patient’s signing of a HIPAA-compliant authorization impliedly permit oral discussion of those released medical records?
  • What are the potential consequences of proceeding with an ex parte interview of a patient’s physician?
  • 6:05
    Conference Adjourns

    Day 2 - Friday, January 23, 2015

    7:30
    Continental Breakfast
    8:00
    The View From the Bench

    Hon. Victor B. Kenton

    U.S. Dist. Ct., C.D. Calif.

    Hon. Mark I. Bernstein
    Judge
    Philadelphia Ct. C.P.

    Hon. Robert Collings

    U.S. Dist. Ct., D. Mass.

    Hon. Eric F. Melgren
    District Judge
    U.S. Dist. Ct., D. Kan.

    Moderator:

    Moderator: Pamela Atkins

    Atkins & Associates, LLC

    9:30
    Morning Coffee Break
    9:40
    Tips, Strategies and Best Practices for Successful Early Mediation of a Disability Claim

    Douglas deVries
    Mediator
    deVries Dispute Resolution/Judicate West

    Mark F. Seltzer
    Partner
    Mark F. Seltzer & Associates

    Robert K. Scott
    Partner
    Newmeyer & Dillion LLP

    Bonny G. Rafel

    Bonny G. Rafel LLC

    Jennifer Danish

    Bryant Legal Group PC

    • Tips, strategies and best practices for early and effective mediation of a disability claim
    • Pre-mediation best practices: determining if your case is appropriate for mediation
    • Assessing when to mediate – is it always “the earlier the better?”
    • The roles of the various participants in a mediation
    • What should an early mediation focus on and what should each party do to best prepare?
    • How does the mediator view their role in the process?
    • What are the latest trends/issues that specialty ERISA and IDI mediators are seeing? Where do they see the field moving?
    • Mediation war stories from those on the front lines

    11:10
    Proper Use of Social Media, Surveillance and Modern Technology in Conducting an Effective and Legally Compliant Disability Claim Investigation

    Frank N. Darras
    Founding Partner
    Darras Law

    Kristina B. Pett

    Pett Furman, PL

    • The potential benefits of looking online and reviewing the content of social media/networking sites during claims investigations
      – practical tips on what you should and should not do
    • Effectively and legally using content found on social media
    • Practical suggestions for successful research on social media sites and privacy implications
    • Legal issues surrounding surveillance at work and elsewhere
      – what are the courts finding to be an “inappropriate use of a surveillance video” for the purposes of proving a claimants ability/inability to do work
    • Legal and privacy implications/challenges of using internet surveillance
    • Use of hidden cameras and GPS tracking devices
    • How to lawfully make use of such surveillance/investigation tools

    11:50
    Vocational Issues in Disability Claims: The Assessment of Own Occupation, Any Occupation, Dual Occupation and Employability; and Determining a Claimant’s Entitlement to Full or Partial Disability Benefits

    Larry Schneider
    Disability Income Insurance Specialist
    Disability Insurance Resource Center

    Evan S. Schwartz

    Schwartz Law PC / Quadrino Schwartz

    Norris A. Adams II

    Essex Richards, P.A.

    Ellen Rader Smith OTR, CVE, CPE
    Occupational Therapist,Vocational Evaluator
    Ergonomist

    • What are the standards used to define: “Own Occupation”
      and “Any Occupation”?
    • How to define the material duties of a claimant’s “occupation” under an “own occupation” provision
    • What is the standard to determine whether the claimant can
      return to work?
    • Proving the inability to return to work for the first 2 years
    • Proving the inability to work in another occupation for the next several years
    • Navigating the implications and arising challenges when there is a change of definition from “own occupation” to “any occupation”
    • How do different LTD policies define the “any occupation” standard, and what are the implications of the different definitions?
    • Defining and interpreting “gainful” employment
    • Treatment of sedentary occupations in LTD claims
    • Determining whether a claimant is constrained by financial pressures and returns to work disabled
    • Understanding the Physician-Specific classifications/standards of “Modified Own Occupation” and “Medical Occupation” – what do these classifications mean and what effect do they have on entitlement to benefits?
    • Recent litigation trend in long term disability cases involving professionals, and especially doctors
    • Tightening clauses in the policy and defining exactly the
      material duties of a claimant’s occupation
    • Examining the approaches taken by insurance carriers in
      processing/evaluating vocational reports submitted by disability
      claimants
    • Recent challenges arising from claimants with dual occupations
    • What does it take to satisfy a claim?
    • Impact of the incontestability clause

    12:45
    The Latest Trends, Developments and Challenges in Non-ERISA Claims: An In Depth Look at Continuing and Emerging Topics in IDI and LTD Claims

    Robert Tomilson

    Clark Hill PLC

    Daniel W. Maguire
    Partner
    Burke, Williams & Sorensen, LLP

    • Examining the latest treatment of the “Notice Prejudice Rule”
      – what states have adopted this rule and what are the effects and implications?
    • Continued struggle in interpreting/applying the “Appropriate Care” standard in LTD claims – When and under what circumstances can the failure to treat a medical condition lead to the termination of a claimant’s long term disability benefits?
    • The latest on “total vs. residual disability,” “legal vs. factual disability” and “accident vs. sickness”
    • Recent rise in state regulators’ concerns about disability insurance claim handling procedures/practices
    • Understanding the individual disability insurance contract

    1:25
    Networking Lunch for Delegates and Speakers
    2:25
    Defending Rule 30(b)(6) Corporate Depositions in Disability Insurance Claims

    D. Larry Kristinik

    Nelson Mullins Riley & Scarborough LLP

    Robert E. Hess
    Partner
    Hinshaw & Culbertson LLP

    Gregory P. McMahon

    Koleos, Rosenberg & McMahon, PL

    Rule 30(b)(6) depositions present complex challenges and serious potential exposure for a company implicated in a disability
    insurance claim – not just in IDI claims, but also in ERISA cases
    where a conflict of interest has been placed into issue. Counsel
    must strategically determine who should represent the corporation
    at the deposition, how much preparation is sufficient, and how to
    tackle privilege issues. Listen to this panel of expert IDI and ERISA
    practitioners explain the key steps for minimizing risk, successfully
    responding to a Rule 30(b)(6) deposition notice and selecting and
    preparing witnesses for the deposition.

    3:20
    Recovery of Attorneys’ Fees in the ERISA and Non-ERISA Context

    Eric L. Buchanan

    Eric Buchanan & Associates, PLLC

    William Patton
    Shareholder
    Lane Powell PC

    Attorney’s Fees: ERISA

    • Whether the prevailing party will recover attorney’s fees
    • Whether the courts are creating an overly broad definition of the phrase “success on the merits”
      • How successful are plaintiffs in recovering attorneys’ fees post Hardt v. Reliance?
      • Recovery of attorney’s fees after remand or voluntary reinstatement of the claim by the insurer, etc.
    • Addressing the issue of whether the courts are using attorney’s fees as a punitive measure
    • How do we deal with fee multipliers?
      • Addressing Plaintiff ’s entitlement to 2 ½ x the attorney’s fees recovered
    • Examining whether, when and under what circumstances attorney’s fees are available for a remand
    • Examining whether, when and under what circumstances the catalyst theory is applicable to ERISA fee claims
    • Taking a look at which courts are still applying the five-factor test
    • When defendants can and should pursue fee claims
    • For plaintiff’s – the latest tips and tactics for (i) establishing right to fees and (ii) obtaining those fees?

    Attorney’s Fees: Non ERISA

    • Recovering attorney’s fees even in the absence of a jury trial
      • Recovering in settlement, mediation or other alternative
        methods
      • Attorney fee recovery limited to fees incurred to recover contract benefits

    4:05
    Developments in Social Security Awards, Offsets, Overpayments and Liens in Disability Cases

    Wesley R. Payne IV
    Partner
    White & Williams LLP

    Scott Rose
    Vice President, Disability Products
    SSDC Services

    David A. Bryant
    Partner
    Bryant Legal Group PC

    ERISA:

    • Defining the multi-step process in recovering overpayment of funds
    • Analyzing and interpreting offsets post-Great West v. Knudson
    • Interpreting constructive trust in Great West v. Knudson
    • Reviewing the decision in Sereboff where no tracing of funds was required
    • Defining “other equitable relief ” in Section 502(a)(3) of ERISA
    • Establishing the insurer is a planned fiduciary and have standing to bring suit
    • Convincing the insured and the court that the fund sought is the overpayment itself and not the insured’s general assets
    • What to do when the claimant is judgment proof
    • Recouping ongoing net benefits to satisfy debt in the interim
    • Difficulties posed when asserting unjust enrichment
    • Determining whether there is a payment agreement
    • Battling with the obstacles to claim benefits in overpayment
    • Assessing the impact of the U.S. Supreme Court decision in U.S. Airways v. McCutcheon
      • What recovery provisions qualify as clear and specific?
      • When do equitable principles “augment” the plan?

    Non-ERISA:

    • What are the available state remedies?
    • Analyzing legal/equitable relief
    • Interpreting and analyzing cases that allow/disallow recovery
    • Understanding how the courts have responded to over payment and recovery
    • How SSA anti-assignment provision affects state law claims
    • Emphasizing the need for constructive trust
    • Recovering interest and fees
    • Recouping ongoing net benefits to satisfy debt in the interim
    • Best practices that financially impact the insurer’s plan costs; and developments within the Social Security Administration that are impacting such programs

    5:00
    Conference Ends