ACI's 19th National Advanced Forum on Litigating Disability Insurance Claims

Continental Breakfast and Registration

Co-Chairs’ Welcoming Remarks

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

Disability Case Law Year in Review: What Are the High Courts Saying? Discussing and Analyzing the Key ERISA & Non-ERISA Case Law Developments from 2016 Including the Montanile Supreme Court Decision, and What They Mean for Your Practice in 2017

This opening kick-off session will provide you with a comprehensive survey of the year’s most important federal circuit court decisions and highest state appellate court decisions involving disability claims. 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 and Non-ERISA disability practice. Participants will learn what these cases reveal about trends in disability litigation as well as recommendations for how in house counsel and practitioners can update their litigation strategies in response to recent developments going forward. Whether you are new to the practice of 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 September 2016.

Morning Break

Vocational Experts: Challenges and Difficulty in Finding Qualified and Newer Experts, Lack of Universal Standard for Qualifying Vocational Experts, Determining Occupational Demand and Suitability for Work, Assessment of Own Occupation, Any Occupation,

Dual Occupation

• Challenges and difficulty with vocational issues
• What resources are most appropriately used by insurers for purposes of determining occupational demand and suitability for work
• What affect does the insurance company reliance on DOL standards play into claims evaluation?
• 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
• The latest on “true own occupation” vs. “transitional own occupation”
• The latest issues and challenges associated with defining one’s occupation “in the national economy”
• 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
• What happens when the insured is not working at the time of disability?
• 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

Effectively Approaching and Utilizing the IME’s Evaluation, Treating Physician’s Opinion, the FCE, Neuropsych Evaluations, Medical Records and More

The Latest IME and FCE Issues and Considerations

• The fundamental right to require IMEs or FCEs 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?
• Has direct evaluation of claimants been being de-emphasized in favor of consults (e.g., in-house or contracted paper reviews by doctors and vocational analysts)? What are the implications of this?
• When facing the IME – addressing the questions of: – Is the examiner qualified? – Under what circumstances will you allow the person to go? – What if they refuse to go? What are the implications

What Must Be Preserved and Produced Related to the Examinations

• The exchanges between the examiner and insurance company?
• The raw data from an IME, or Neuropsychiatric or Neuropsychological Exam?
• Can the examination be videotaped, audiotaped or witnessed?
• What data, if any is confidential?
• What are the latest trends, issues and challenges being faced by both sides during this process?

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

Networking Lunch for Speakers and Attendees

Partial Disability v. Total Disability: How the Courts are Drawing the Line for Determining Different Levels of Disability and the Formula Used for Calculating Payouts

• How courts are drawing the line differently in determining partial v. total disability
• What formula is used for determining payment in partial disability cases

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

Mental Illness 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 mental illness 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 primary medical 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?
• Issues arising out of the “caused by or contributed to by” language
• Successfully challenging and changing an initially incorrect benefits
  determination
• Substance abuse and the risk of relapse as a viable defensibled isability
• 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; and Self-Reported Symptoms Limitations

• 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
• Recent challenges to the application of self-reported symptoms limitations – what types of challenges have proven successful?
• 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

Afternoon Break

The Dos and Don’ts of Social Media Use in Conducting a Disability Claim Investigation

• The potential benefits and pitfalls 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
• How to lawfully make use of information/material found on social media
• A survey of the latest case law on the dos and don’ts of social media use in conducting a disability claim investigation

Bad Faith Litigation: An Update on the Latest Trends Being Seen in Unreasonable Delay and Wrongful Denial Bad Faith Claims; Defining the Duty and Remedies; and Strategies for Developing the Bad Faith Case or Defense

• An overview of the latest trends being seen in unreasonable delay and wrongful denial bad faith disability claims
• What are the latest court decisions saying about how to define the duty of good faith and fair dealing in the context of a disability claim?
• Under what circumstances have the courts been finding: – Use of an improper standard in denying a claim – Unreasonable conduct in litigation – Bad faith in consulting and retaining experts – Deliberate misinterpretation of records or policy language to avoid coverage
  – Arbitrary or unreasonable demands for proof of loss – Failure
  to thoroughly investigate a claim – Failure to maintain adequate
  investigative procedures – Institutional bad faith
• Has direct evaluation of claimants been being de-emphasized in favor of consults? What are the bad faith implications of this?
• The latest on the types of remedies that may be sought in a bad faith claim from state to state • Plaintiff strategies for developing the bad faith case; and defense strategies for defeating the bad faith case
• Putting on the bad faith trial

Conference Adjourns to Day Two

Continental Breakfast

View from the Bench

Break

Litigating Strategies for Filing ERISA Case v. Filing Non ERISA Cases, Procedural Nuances in the Early Stages of Pleadings, Finding More Favorable Venues, and Transfer of Venue

• What are the litigation strategies for wanting ERISA to apply v. not
  wanting ERISA to apply to a disability case?
• Creative ways that both plaintiff and defendant are thinking of ways to further a claim
• Moving to transfer to a more favorable venue
• Attacking the pleadings
• Motion to dismiss based on ERISA preemption
• Motion to transfer venue
• Appropriate motion to strike components of the complaint even though entire complaint should not be thrown out

Discovery in ERISA Cases as Discretionary Clauses are Slowly Fading Out and Insurers are Relying on De Novo Review, How the Amendments to the Federal Rules of Civil Procedure Will Impact Discovery, Administrative Review, and Proportionality Issues

• Tackling the big issue of discovery in ERISA cases under de novo review
• The changing landscape of insurers and state regulators no longer
  requiring discretionary policies
• How do you try a de novo case in the 9th circuit where there are bench trials and no witnesses?
• State by state update on states that still allow discretionary policies
• Determining the claims that contain discretionary policies but litigating de novo review
• Amendments to the Federal Rules of Civil Procedure
• -Rule 26
• How are courts looking at the issue of proportionality in ERISA cases?
• Discovery obtained during administrative review

The Evolving State of New Remedies and Equitable Relief Under ERISA 502(a)(3): The Latest Court Decisions Affecting the New Remedies Landscape, the Fallout from Rochow v. LINA, Strategies for Addressing 502(a)(3) Relief Claims, and More

• Assessing the ongoing impact of Amara, McCutchen and their progeny on ERISA 502(a)(3) remedies
• Examining the latest court rulings affecting the new remedies landscape – taking a look at the developing case law
• Analyzing the 6th circuit en banc decision in Rochow v. LINA – what are the implications of this decision? What has been the fallout from this decision? What does the court’s opinion indicate about the future of recovering disgorged profits as an appropriate form of equitable relief? In what limited circumstances might this be deemed permissible?
• Best strategies for 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, Rochow 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
• Current state of ERISA remedies available in fiduciary breach claims – how are the circuits coming down on this? How to handle the litigation
  of these claims
• How to strategically address 502(a)(3) relief claims – the pros and cons of addressing them as early as possible via motion to dismiss, versus waiting until the summary judgement phase

Contractual Limitations Periods in the Post-Heimeshoff Era: A Circuit-by-Circuit Analysis of the Latest Relevant Court Decisions and Their Implications

• A circuit-by-circuit survey of the most significant court decisions affecting ERISA contractual limitations provisions following Heimeshoff over the last year
• What are the implications of these decisions?
• Analyzing the four exceptions to the general rule that the Court laid
  out in Heimeshoff – what litigation has been arising regarding the application of these four exceptions? Where does this seem to be headed? What exceptions does the plaintiffs’ bar seem to be focusing
  on the most?
• Understanding how the terms of a plan or policy at issue relates to
  state statutes that purport to mandate contractual limitations and proof of loss provisions
• What are the latest court decisions saying about what the shortest
  period is that a plan could add?
• Analyzing the Diaz decision – limitation of access provision not identified in denial letter cannot be enforced

Reviewing the Revised Disability Claims Regulation – How the DOL’s Changes Will Impact the Landscape

• The proposed changes will: (i) ensure the impartial adjuster review (ii) claimants access to claim files/evidence (iii) exhaustion of claims and
  appeals process (iii) expand definition of adverse benefit (iv) provide
  more notices
• How will the proposed changes impact litigating disability insurance
  claims?

Preserving Attorney-Client Privilege During Disability Claim Handling (.5 Ethics Credit)

• Assessing whether privilege exists when attorneys act as claims
  managers rather than giving legal advice
• Ethical considerations when communicating with clients and protecting confidential information
• Knowing the exceptions to privilege when bad faith claims are involved or there are communications with overseas attorneys
• Avoiding waiver through over-dissemination or implicit reliance on
  advice of counsel
• Special ethics rules applicable to in-house legal departments which
  relate to maintaining privilege and confidentiality
• Resolving conflict of laws questions to determine governing privilege law
• Privilege issues when parent-subsidiary communications are involved
• Update on the fiduciary exception in ERISA cases and limits to that
  exception to privilege

Conferences Ends; Lunch for Post-Conference Workshop Speakers and Attendees