Are in-house consultations on plan term interpretation, before a final appeal denial, privileged and confidential? NO says the Ninth Circuit… Here's the attached case of Stephan v. Unum Life Insurance Company of America, __F.3d__, 2012 WL 3983767 (9th Cir. September 12, 2012) that highlights the point. The case also shows that: an Insurance Commissioner's ban... |