A Psychiatric Disability Case Gone Wrong For AT&T
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Here's a great case out of Tennessee in which the insurance doctor made a decision to deny with hardly any information. That's dangerous because what if they then miss information that makes it an obviously valid claim? Well then they get sued and taken to court and that's exactly what happened.
It was a psychiatric disability case and those are tricky and require a bit more attention from the disability insurer. Dr. Grimes, the reviewing psychiatrist made the decision to deny based on the opinion that the claimant was able to perform her job. She made that decision without any knowledge of the claimant's job, without interviewing the claimant, and without consulting with all of the claimant's treating mental health professionals.
That might fly in physical disability cases because often the records can speak for themselves, but when they're dealing with psychiatric disability it's important to have a physician actually meet with the claimant to determine the extent of the disability. Unfortunately that's not how the insurance companies want to do it, so they don't. Trying to save a little time and money and they're asking for litigation. Well, again, they got it. Next time they should take the time to actually review the claim and save everyone the hassle of court by accepting the initial claim.
Click here to read the full opinion of Allen v. AT&T Disability Income Program, the case in question.
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Psychiatric disability case wrong for AT & T
It was a psychiatric disability case and those are difficult and requires a little more attention from the disability insurer. The decision, refuse Dr. Grimes, who met psychiatrist review based on the view that the applicant could perform their jobs. She made this decision without any knowledge of the plaintiff job without interviewing the claimant and without consultation with all the applicant's treatment of mental health professionals.
That may be in physical disability fly cases, because often the records for that can speak, but when they do to with psychiatric disabilities have it is important to a doctor who have actually to take the applicant to determine the extent of the disability. Unfortunately, is not how the insurance companies want to do it, so that they are not. Try to save a little time and money and ask for legal disputes. Now, again, they got it. The next time they take the time, actually the claim check and save the effort all the Court through the adoption of the first groups of stakeholders.
Click here for the full opinion of Allen v. AT & T disability income program to read the case.
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