Michigan Disability Insurance Claims
We are a healthcare/professional disability insurance law firm with a national reputation for obtaining successful results for our clients. Our firm has represented physicians, dentists, lawyers, executives and other professionals throughout the country, with the goal of securing and protecting their entitlement to benefits on own-occupation disability insurance policies.
We consult with physicians, dentists, attorneys and business executives filing disability claims throughout Michigan, including the Detroit and Grand Rapids areas. If you’d like to discuss your particular claim with our attorneys, we are happy to set up a free consultation.
Below are some resources for policyholders filing disability insurance claims in Michigan. If you would like to learn more about the disability claim process or insurance bad faith in other states, please visit our homepage.
Does Michigan Recognize Insurance Bad Faith?
As explained by the Michigan Court of Appeals, in Michigan, “[a]n alleged bad-faith breach of an insurance contract does not state an independent tort claim.” Casey v. Auto Owners Ins. Co., 273 Mich. App. 388, 401–02, 729 N.W.2d 277, 286–87 (2006).
Additionally, “in breach of contract cases, the general rule is that exemplary damages are not recoverable absent allegation and proof of tortious conduct that is ‘independent of the breach.’” Id. This is because Michigan courts have determined that a plaintiff is “adequately compensated” for a breach of contract “when damages are awarded by reference only to the terms of the contract.” Id.
The case excerpts above are not meant to be a comprehensive discussion of each state’s first-party bad faith or disability insurance law. They are merely meant to act as a resource/starting point for those interested in learning more about how insurance bad faith works in their state.
You should always speak with an attorney before making any legal arguments relating to your disability claim.
Notable Michigan Disability Insurance Cases
Leonor v. Provident Life and Accident Co., 790 F.3d 682 (6th Cir. 2015) (Michigan dentist became disabled due to a neck injury and subsequent cervical spine surgery but continued to spend time managing his dental practice and other businesses he owned; Provident/Unum argued that his managerial duties were “important duties” of his occupation prior to his injury and that, as such, he was not “totally disabled” under the terms of his policy; the court determined that policy language was ambiguous and, under Michigan law, had to be construed in favor of the insured).
Morinelli v. Provident Life & Accident Ins. Co., 617 N.A. 2d 777 (Mich. App. 2000) (Perfusionist became disabled due to diabetes and Unum disputed whether his care satisfied the “appropriate care” requirement under the policy; the court determined that he had satisfied this requirement because he received care from a licensed physician who was acting within the scope of his medical license).
Carlyon v. Mut. of Omaha Ins. Co., 559 N.W.2d 407, 408 (Mich. Ct. App. 1997) (Michigan emergency room physician filed a disability claim due to a back injury; although the physician began working as a prison doctor after his disability, the court found he was entitled to total disability benefits and that his regular occupation was emergency room physician because “[e]mergency medicine is a recognized specialty and requires the ability to perform specialized tasks not required of a prison doctor”).
Common Disability Claim Questions
Michigan Federal District Court Locations
Professional disability claims are often filed in, or removed to, Federal Court given the amounts in controversy. When we work with local counsel to be admitted pro hac vice, we identify the courthouse that is closest to you. Below is a list of the primary Federal Courthouses in Michigan, but there may be satellite courthouses that are closer to where you live.
Detroit. Theodore Levin U.S. Courthouse, 231 W. Lafayette Blvd., Detroit, MI 48226.
Grand Rapids. 399 Federal Building, 110 Michigan Street, N.W., Grand Rapids, MI 49503.
Who Do Your Disability Insurance Attorneys Represent?
The lists below provide a representative overview of the types of professionals we represent, the disability companies we file claims with and litigate against, and a non-exhaustive list of some of the disabling conditions our prior clients have had.
Anesthesiologists | Attorneys | Cardiologists | Chief Medical Directors | Chiropractors | Commercial Real Estate Brokers | Corporate Executives | Emergency Medicine | Endodontists | Gastroenterologists | General Dentists | Gynecologists | Internal Medicine | Neurologists | Neurosurgeons | Obstetricians | Ophthalmologists | Oral Surgeons | Orthodontists | Orthopedic Surgeons | Otolaryngologists | Physical Therapists | Podiatrists | Professional Athletes | Prosthodontists | Psychiatrists | Psychologists | Pulmonologists | Radiation Oncologists | Radiologists | Rheumatologists | Veterinarians
Disability Insurance Companies
Aetna | AIG | Allstate | Anthem | American General | Ameritas | Berkshire Insurance Group | Boston Mutual | Cigna/LINA | Colonial Life | Connecticut General | Davies Life & Health/Disability Management Services, Inc. | Disability Reinsurance Management | First Unum | Fortis | Great West | Guardian Life | Hartford | Jefferson | John Hancock | Liberty Mutual | Lloyd’s of London | Mass Casualty | Mass Mutual | MetLife | Monarch | Mutual of Omaha | National Life of Vermont | New York Life | New England Life | Northwestern Mutual Life | Ohio National | Paul Revere | Penn Mutual | Phoenix Life Insurance | Principal Life | Provident | Prudential | Reassurance America | Reliance | Reliance Standard | Sedgwick | Standard | Sun Life | The Equitable Life | Transamerica | Trustmark | Trustmark Disability Advisors | Union Central | Unum | UnumProvident
Aneurysms | Anxiety/Panic Attacks | Angina Pectoris/Ischemia | Arthritis (Osteo, Psoriatic, Rheumatoid) | Atrial Fibrillation (AF) | Autoimmune Disorders | Bipolar Disorder | Brachial Plexus Injuries | Bulging Discs (Cervical/Lumbar) | Bursitis | Cancer | Carpal Tunnel Syndrome (CTS) | Cervical/Neck Pain | Crohn’s Disease/IBD | Complex Regional Pain Syndrome | Congestive Heart Failure | Coronary Artery Disease | Deep Vein Thrombosis (DVT) | Degenerative Disc Disease (DDD) | Dislocated Elbow/Shoulder | Dislocated Hip/Hip Replacement | Epstein-Barr Virus (EBV) | Essential Tremors | Focal Dystonia | Ganglion Cysts | Glaucoma | Hand/Arm Pain – NOS | Head Trauma/Cognitive Difficulties | Hearing Loss | Herniated Discs (Cervical/Lumbar) | Ligament Tears | Long-Haul COVID | Lumbar/Back Pain | Lyme Disease | Major Depressive Disorder (MDD) | Macular Degeneration | Meniere’s Disease | Migraines | Multiple Sclerosis (MS) | Musculoskeletal Disorders | Myasthenia Gravis (MG) | Myelopathy (Cervical/Lumbar) | Myofascial Pain Syndrome | Nerve Impingement/Entrapment | Neuroma | Orthostatic Hypertension/Hypotension | Osteoarthritis | Paresthesia/Dysesthesia | Parkinson’s Disease | Posterior Tibial Tendon Dysfunction | Post-Traumatic Stress Disorder (PTSD) | Posterior Tibial Tendon Dysfunction | Posterior Vitreous Detachment (PVD) | Radiculopathy (Cervical/Lumbar) | Repetitive Stress Injuries | Retinal Detachment/Floaters | Rotator Cuff Injury/Tears | Sciatica | Scoliosis | Serotonin Syndrome | Shoulder/Back/Neck Pain – NOS | Sleep Apnea | Spondylolisthesis | Spondylosis | Stenosis (Spinal/Foraminal) | Stroke | Thoracic Outlet Syndrome (TOS) | Traumatic Injuries | Tumors | Ulnar Neuropathy | Vertigo/BPPV | Visual Impairment
The information provided above is offered purely for informational purposes. It is not intended to create or promote an attorney-client relationship, and does not constitute and should not be relied upon as legal advice.
Every claim is unique and the discussion above is only a limited summary of information that may be relevant to your claim. An experienced disability insurance attorney can help you assess your particular disability claim, or potential disability claim, and determine what options are available to you.