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Life, Health, Accident, Disability, Employee Benefits & ERISA

At NLdH, our lawyers take pride in being able to assist clients with the most complicated matters related to life, health, accident, disability and other employee insurance benefits, as well as ERISA plan issues.

We help our clients design strong platforms to ensure that they are properly addressing these issues. Our consulting services are built on the belief that working proactively can save large amounts of time and money by avoiding disputes and the litigation that could follow.

Of course, we know that no matter how prepared our clients are, there will always be the potential for disputes. Our team of attorneys is experienced in litigation. We know the courtroom. We know how to achieve success, regardless of the complexity of the legal issues your business faces.

Our law firm offers the following services pertaining to life, health, accident, disability and employee benefits, as well as ERISA plans:

  • Counseling insurers, plan sponsors, fiduciaries and TPAs with regard to DOL and IRS compliance, HIPAA compliance and claims handling issues
  • Counseling plan sponsors and TPAs with regard to fully-insured, self-insured, stop-loss and excess risk arrangements
  • Counseling insurers and other claim fiduciaries with regard to determinations of eligibility for benefits and the interpretation of plan terms
  • Litigating claims for benefits, including claims for life, health, disability and accidental death
  • Drafting policy exclusions, endorsements, summary plan description language, and statements of material modification provisions
  • Litigating bad faith cases arising from claim denials by non-ERISA plans
  • Handling claims for unpaid pension withdrawal liability payments under the MPPAA
  • Addressing potential fraud issues related to life, health, accident, disability and employee benefits

Our clients turn to us not only because of our extensive experience representing companies in the insurance industry, but also because our more than 30 years of industry experience extends beyond the courtroom. We know the business of insurance because lawyers from our firm have worked for insurance companies as claims adjusters, branch managers and more. This is the knowledge that allows us to meet the needs of our clients.

NLdH is proud of the reputation we have earned throughout the insurance industry. Learn more about our record of success.

Contact NLdH

With offices in Philadelphia, Cherry Hill, Newark, Columbus, New York and London, our national law firm is available to address ERISA plan issues and other employment benefits matters for businesses throughout the United States. Contact us today.

News & Events

Council of Litigation Management, 2010 Annual Conference, March 24 - 26, 2010, Pointe Vedra, FL - Robert T. Horst will be speaking on the topic of "Preventing and Defending Bad Faith Claims: Current Trends and Strategies"

PAMIC 2010 Claims Summit, April 6 - 7. 2010, Gettysburg, PA - C. Scott Rybny will present "Emerging Issues - From the Homes We Live In to the Jewelry We Wear" and Michael Munger will speak on "Secondary Subrogation Issues."

DRI Insurance Coverage and Claims Institute, April 14 - 16, 2010, Chicago, IL - Robert T. Horst will present "The Recession, Misrepresentations and Rescission" along with William J. Matrogran, CIC, AIC, Erie Insurance Company. Additionally, Horst will also present "Bad Faith Update."

NYCBA 21st Annual "Current Issues in Insurance Regulation" Conference, April 16, 2010, New York, NY - Francine Semaya is the co-chair, moderator and speaker for the NYCBA 21st Annual "Current Issues in Insurance Regulation" Conference to be held April 16, 2010 in New York, NY.

American Conference Institute's 8th International Advanced Forum on Run-Off and Commutations, April 29 - 30, 2010, New York, NY - Francine L. Semaya will moderate the Regulatory Roundtable: Emerging Regulations and Their Impact on Insurance Insolvencies and the Run-Off Market featuring insurance regulators from across the United States.

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Emerging Topics Articles

Global Warming Lawsuit Raises a Host of Coverage/Liability Concerns.  In a decision could open the door for waves of suits against pollution emitting entities, the United States Court of Appeals for the Second Circuit allowed two related lawsuits to proceed that attempt to use the court system to halt the effects of global warming. In State of Connecticut, et al. v. American Electric Power Co., et al. , ___ F.3d ___, 2009 WL 2996729 (2d. Cir. Sept. 21, 2009), the Second Circuit reversed an order of the United States District Court for the Southern District of New York granting a motion to dismiss the plaintiffs' complaint against six utility defendants. The plaintiffs (eight different states, the city of New York and three land trusts) seek a judgment ordering carbon dioxide emitting utility companies to reduce emissions. The Second Circuit's holding raises not only numerous complex defense issues, but also concerns in the area of insurance coverage. ...

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