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HR2622 is an important Bill before Congress that deserves and needs your support. Any attorney representing claimants in long term disability cases could tell you that the playing field is slanted in favor of insurance companies. This is because in most cases under existing law an insurer's denial of disability benefits will be overturned by a Court only if the Court finds that the insurer's denial was arbitrary and capricious. Instead of looking at the evidence fairly, the Court will give the insurer's denial deference. Therefore, in order to win it is not just a question of proving that you are disabled, you must establish that the insurer's denial was arbitrary. This is extremely difficult to establish.
Recognizing the unfairness of the law, Congresswoman McCarthy has introduced House Resolution 2622. HR2622 would tell federal judges to look at the evidence "de novo." This means that the federal judge will be able to look at the case fairly, and not to give insurance companies an unfair advantage.
This Bill needs all the support it can get because the lobbying machine of all the insurance companies is working full time to defeat it. Click here to see a copy of the Bill: http://thomas.loc.gov/cgi-bin/query/z?c110:H.R.2622:
What can you do? You can write your Congressman or Congresswoman to express your support. You could explain how you have been unfairly treated when you or a family member submitted your long term disability claim. It is very helpful for Congress to see specific examples of how the existing law treats individuals unfairly.
To find out the name and contact information of your Congressman or Congresswoman, please click here: http://www.house.gov/writerep/
