© 2014 by Michael A. McKuin

Attorney at Law

Post Office Box 10577

Palm Desert, CA 92255

(California State Bar No. 103328)


The information provided at this website is intended for educational and promotional purposes only. It is strictly general in nature and under no circumstance should it be considered legal advice.  Every case is unique and a competent, qualified lawyer must be consulted for legal advice regarding any specific case. 

November 24, 2019

Rick R. (Plan administered and insured by Massachusetts Mutual Life Insurance Co.)

Rick R. was admitted to a residential treatment center, where he underwent 30 days inpatient care for treatment of alcohol dependence.  Prior to admission the facility called Mass. Mutual...

August 26, 2019

Rickey Thomas Sebo v. Metropolitan Life Insurance Company, Allstate Long Term Disability Plan, CV  99-10770 HLH;  (9th Cir. Case No. 00-55765)

I hold a profound belief that “A is A”.  For those who are not students of logic, that’s Aristotle’s “Law of Identity”.  S...

July 14, 2019

Patricia L. (Toys-R-Us / Self-funded plan administered by Mediplan)

Patricia L. was admitted to a treatment facility with a diagnosis of bulimia with major depression.  She was placed on a routine protocol program, including medication and psychotherapy and discharged 2...

June 8, 2019

James C. (The Hartford)

James C. suffered multiple medical problems that were clearly debilitating.  All three of his treating physicians agreed that he was totally disabled from performing the duties of any occupation.  He had coverage with the Hartford, which insured...

April 11, 2019

Spencer Recovery Centers, Inc., vs. Blue Cross Blue Shield of Michigan (Related Cases) Case Nos: SACV 00-786 DOC, SACV 00-787 DOC, SACV 00-788 DOC

This case involved three claims for health benefits for three patients treated at a residential treatment facility, providi...

March 1, 2019

Michael A.  (Aetna) 

Michael was admitted to a residential treatment facility for rehabilitative treatment of alcoholism.   His entire stay at the facility was case-managed and approved in advance by Aetna, with written “certification notices” issued to the treatme...

January 20, 2019

Mary Z.

Mary was admitted to an acute-care inpatient psychiatric facility treatment facility diagnosed as suffering major depression.  Upon admission she was a 48 year old female with a history of childhood sexual abuse, who presented a serious suicide risk. 


December 10, 2018

David B.  (Self-funded plan)

David B. was admitted to a residential treatment facility for treatment of alcohol dependence. He underwent approximately 4 weeks of inpatient rehab, followed by 45 days of outpatient care. When a claim was submitted, the plan paid only a sm...

November 4, 2018

Eric T. (Unum)

Prior to the onset of his disability, Eric was employed by a large insurance company as the Director of the company’s Special Investigations Unit (SIU).  His duties required that he spend in excess of 80% of his time in a sitting position, taking and maki...

August 29, 2018

L.  Lemaster  (Unum) 

At the time his claim arose, Mr. LeMaster was a 62 year old bus driver.   He had a long-standing history of chronic obstructive pulmonary disease, emphysema and hypertension.  But none of these conditions prevented him from working at his...

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Rick R. (Plan administered and insured by Massachusetts Mutual Life Insurance Co.)

Rick R. was admitted to a residential treatment center, where he und...

If you won’t accept that amount, how about this amount?

November 24, 2019

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