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F. Inge Johnstone
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disability insurance Archives

Court Second Guesses Doctor's Treatment in Disability Insurance Case

The recent Massachusetts disability insurance case of Metropolitan Life Insurance Company v. Cotter gives a good example of the pitfalls that an insured can face when dealing with an insurance company. This case involved an "own occupation" disability policy, which is disability insurance that pays benefits when an insured becomes disabled and is unable to return to his or her specific occupation. The policy in this case also contained language that required the insured, Mr. Cotter, to receive medical care that "is appropriate to the condition causing the disability."

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