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“Brent was knowledgeable, thoughtful and had a strategic approach. I will never be able to properly thank Brent enough for helping me reach a positive outcome. Brent was efficient with his time and strategy, unbelievably empathetic and re-assuring. Thank you to Brent....I am forever grateful.”
Welcome to Dorian Law’s resources page. This is where we blog about useful tips, emerging trends, and provide thoughtful insights regarding LTD, Life, and AD&D Insurance benefits. Search for something you are interested in or check out a topic from the list below. Whatever brought you here, I hope we can make a difference.
- Abuse of Discretion
- Accidental Death Insurance (AD&D)
- Attorneys' Fees
- Bad Faith
- Breach of Fiduciary Duty
- Case Review Corner
- Costs
- Denied Disability Benefits
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- Duty to Cooperate
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- ERISA Preemption
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- Exhausting Administrative Remedies
- Fibromyalgia
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- Punitive Damages
- Retroactive Disability Claims
- Sedentary Work
- TBI
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- real case examples
Understanding “Abuse of Discretion” in ERISA Long-Term Disability Claims
Can your disability insurance company just make up their own rules?
When long-term disability (LTD) benefits are denied under ERISA, insurers often claim broad discretion. But if they twist or ignore the plan's actual terms, that's an abuse of discretion—one you can challenge. Here’s how it works, what the law says, and what you need to know to fight back.