Disability insurance expert witnesses often have experience in areas such as liability insurance, life insurance, casualty insurance, or property insurance. If an individual is unable to work due to an unforeseen illness or accident and has no means of financial support, he or she may be eligible for disability insurance. This type of insurance is provided as a way of ensuring financial stability until the individual in question is able to return to work. Depending on the situation, the disability insurance may be provided by the government, employer, or insurance company.
Because an individual may not be able to perform work on a fulltime schedule following a health-related incident, the government implements disability insurance programs, which is given in place of the normal wages the individual in question would otherwise earn if he or she were still working. This program is beneficial in that it does not rely on an employer to provide these benefits, especially in a case during which the disabled person is unemployed, but still seeking work.
Workers compensation is also a form of disability insurance if the person in question has become disabled due to an incident directly related to work or taking place within a work environment. The employer provides workers compensation to the disabled employee with the agreement that the worker will not file a lawsuit against the employer.
ForensisGroup has been recruiting experts for over twenty years with the goal of maintaining a wide selection of only the best individuals in each field. Take the time to browse through our extensive list of experts and call us today for additional information on retaining the best available disability insurance expert witness. Submit An Expert Request Form.
A former employee of the City of Tampa filed an action for unlawful retaliation in violation of the Americans with Disabilities Act ("ADA") and the Florida Civil Rights Act ("FCRA").Plaintiff was employed as a City Solid Waste Collection Driver. At some time during his employment, he was diagnosed with a medical condition that allegedly limited one or more of his major life activities. He filed a Charge of Discrimination with the Equal Employment Opportunity Commission ("EEOC"), asserting that the City failed to reasonably accommodate his disability. He then filed, pro se, a lawsuit under the ADA for disability discrimination against the City. Plaintiff was still employed by the City when he filed his pro se lawsuit.During the ADA lawsuit against the City, Plaintiff was involved in an accident involving the City's solid waste truck. While waiting to unload debris at a transfer station, Plaintiff exited the truck. He thought he had pulled the parking brake prior to getting out of the truck. However, while he was out of the vehicle, it began moving forward, went over a speed bump, and struck the vehicle causing damages. There were no injuries.The City ultimately concluded that Plaintiff hadn’t set the brake and issued a "Letter of Counseling" related to the incident because the accident was preventable. The City relied on the recommendation from its safety review committee, which concluded that Plaintiff hadn’t pulled the parking brake, as well as a traffic report and statements from a mechanic who inspected the vehicle after the accident.Plaintiff took the deposition of the City's Solid Waste Director as part of his pro se lawsuit against the City, which was still pending. The complaint alleged that within a month of his deposition, Plaintiff was given a notice of disciplinary action, accusing him of making false statements, and thus violating the City's policy on "Moral Turpitude."At a hearing, the City showed video footage of the accident, which revealed Plaintiff exiting the vehicle without setting the parking brake. Based on the video, the City terminated Plaintiff's employment for intentionally lying to the police and the City when he repeatedly maintained throughout the investigation and grievance process that he had pulled the parking brake.Plaintiff alleged that the City's stated reason for terminating his employment was "not worthy of belief." His retaliation claims were premised on the timing of Director’s deposition and Plaintiff's termination. According to Plaintiff, these two events were causally related. However, Plaintiff then admitted that he didn’t pull the parking brake. Plaintiff argued that the real reason he was terminated was that he pursued the initial discrimination case against the City.The City designated a mechanical engineer specializing in accident reconstruction as an expert witness. The expert opined that the driver of the City’s solid waste truck didn’t engage the parking brake prior to exiting the vehicle at the time of the accident. In addition, the expert said that the driver failed to put the truck in neutral and didn’t follow proper procedures.The accident reconstruction expert also concluded that the driver had a habit of not parking the vehicle properly prior to exiting because he’d done the same thing five minutes before the accident; that he knew, or should have known, that he left the vehicle in drive as he must have put it in neutral after the accident when he engaged the parking brake; and that he knew, or should have known, that he didn’t put the parking brake on since he engaged the parking brake immediately after the accident.Plaintiff moved to strike the expert’s report in its entirety. He argued that the expert improperly opined on Plaintiff's credibility; he didn’t have the adequate expertise to testify about Plaintiff's "habit" or what Plaintiff "knew or should have known;" and the expert’s testimony as to the causation of Plaintiff's accident wouldn’t assist the trier of fact.U.S. District Court Judge James S. Moody Jr. wrote in his decision that before permitting expert opinion testimony, the court must make certain that the expert employs "in the courtroom the same level of intellectual rigor that characterizes the practice of the expert in the field," quoting Kumho Tire Co.The judge found that the expert's opinion must be excluded under Daubert because portions of his report were based on pure speculation. More importantly, the entire report would not assist the trier of fact. The expert, who was experienced in mechanical engineering and accident reconstruction, wasn’t qualified to testify about Plaintiff's "habit" and state of mind. His opinions weren’t based on sufficient facts or data. Moreover, Judge Moody said that no expert is truly qualified to opine on a person's credibility or state of mind—determinations typically left to the finder of fact.The expert testimony, like the expert's report, wouldn’t assist the trier of fact because Plaintiff admitted that he failed to set the parking brake. The part of the expert's report where he opined that Plaintiff didn’t engage the parking brake, didn’t put the vehicle in neutral, and didn’t follow proper procedure was superfluous because Plaintiff conceded these points.The expert's opinion, which focused on the reasonableness of Plaintiff's actions—and which was clearly not available to the City at the time that it made the decision to terminate Plaintiff—would offer no assistance to the trier of fact. Plaintiff's motion to strike Defendant's expert witness and his expert report was granted.
I have over 40 years experience in rehabilitation counseling with a focus in workers compensation, short and long term disability plans, reasonable accommodation, personal injury, and product liability. For more than 5 years, I have provided clients with consultations, deposition, and courtroom testimony as a rehabilitation counseling expert witness.
I have over 45 years' experience as an actuary. I have a focus in life insurance and annuities; reinsurance; due diligence reviews; suitability of sale; life settlements; assessing and determining the value of life insurance policies, annuity benefits, retirement benefits, disability benefits, life estate plans; substandard structured settlement annuities, and/or future medical services; divorce; donation and gift; estate valuation; and dispute resolution. I have provided my services as an actuary expert witness for more than 5 years.
I have over 40 years experience in insurance with expertise in handling construction defect, general liability, professional liability, automobile and property claims, claim investigations, mediations, mandatory settlement conferences, additional insured defense cost sharing programs, legal bill auditing, and insurance claims training, including the development of construction defect claims handling guidelines. I have spent more than a decade offering consultations, deposition, and courtroom testimony as an insurance expert witness.
I have worked with workers compensation for over 30 years. I have a particular focus in chronic pain, medical management & vocational assessments, vocational rehabilitation, disability analysis, return-to-work issues, earning capacity issues, and sophisticated transferability-of-skills applications. I have spent more than 30 years providing clients with consultations, deposition, and courtroom testimony as a workers compensation expert witness.
I have more than 40 years of experience in multiple areas of career advising, academic and vocational schools, personal injury and other evaluations for estimating wage loss, earning capacity, employability and performing economic calculations for law offices. My specialty includes Life Care Plans and economic assessments. My career includes research and writing peer reviewed journal articles and being on professional boards to advise and develop continued education programs. I have testified in over 350 trials ranging from Louisiana, California, Oregon, Hawaii, Alaska, with most work in Washington State. I have spent over 35 years as a vocational rehabilitation expert witness by providing consultations, deposition, and courtroom testimony for numerous clients.
I have over 20 years experience in workers compensation claims administration. I have worked with the identification and analysis of loss exposures; quantification of accident trends and historical loss data and daily interface with the third party claims administrators; ensuring that all facilities and properties are inspected to identify potential safety issues and to monitor compliance with safety laws and regulations; and fulfilling OSHA reporting requirements. I am offering my services as a workers compensation expert witness.
With over 40 years experience in vocational rehabilitation, I have an expertise in the assessment of employability and rehabilitation potential for workers’ compensation, veterans’, divorce and personal injury cases and Social Security Disability determination. I have additional experience with job analysis, work injury management & compliance with federal regulations (OSHA, ADA); and in vocational rehabilitation services provided in individual disability cases (physical, cognitive and psychological impairments). I have provided consultations, deposition, and courtroom testimony as a vocational rehabilitation expert witness for more than 25 years.
I am an orthopedic surgeon with over 35 years of clinical orthopedic practice experience. I have performed over 15,000 orthopedic surgical procedures. I have extensive experience providing independent medical evaluations (IME's) for the insurance industry and the legal profession. My experience includes Sports Medicine, Spine Back and Neck Musculoskeletal Trauma, Knee Disorders, Shoulder Disorders, Upper Extremity Disorders, and Lower Extremity Disorders. I have worked for more than 30 years as an orthopedic surgery expert witness in Texas by providing numerous clients with consultations, deposition, and courtroom testimony.
With over 35 years experience in Financial Planning, my expertise is in estate planning for estate tax purposes and wealth transfer for multi generational business. I have additional knowledge in retirement planning, college planning, life insurance for individuals, group health insurance, disability insurance, 401k, and long-term care. I also have prior experience as a financial planning expert witness in Texas.
I have more than 20 years of experience in the Insurance industry. I have worked with Fire and Casualty insurance, Life and Health, Accident, and Variable Contracts. I am the President and Principle Agent of an insurance services company, where I have agent status with multiple insurance groups. I have over 10 years of expert witness experience with consultations and deposition.
I have more than 30 years of experience in life insurance, health insurance, property and casualty insurance, workers’ compensation, professional liability, general business insurance, risk management, financial planning, employee benefits, compliance, and insurance agents and brokers duty to perform. I have focused on the areas of complex insurance portfolio plan design and implementation, coverage, consulting and compliance, executive compensation, business perpetuation planning, deferred compensation and estate planning. I have been a Chief Risk Officer for an international resort, hospitality, and property management operation. I have over 15 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have many years of experience in Economics and Financial Planning. I have helped design life and variable insurance products for insurance companies and have created programs and strategies for brokerages across the country. I also teach and lecture on topics such as Financial Planning, Insurance, and Investments and provide consulting and expert testimony in the areas of Insurance, Investment, Financial and Benefit Planning. I have over 10 years of expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 35 years of experience in insurance law and coverage, as well as in commercial litigation, contracts, disability, ERISA benefits, personal injury, and civil litigation generally. My insurance practice is principally for policyholders and claimants, but presently I am also national coverage counsel for one insurance company. My practice involves all types of insurance, including general liability, professional liability, directors and officers, excess and umbrella liability, auto, homeowners, commercial property, disability, life, health, and reinsurance. I handle policy claims, bad faith claims, declaratory judgment actions, rescissions, equitable contribution and equitable subrogation claims between insurers, and claims against agents and brokers. I have also negotiated and drafted policy language for insurers and policyholders, policy buybacks and commutations, and cost-sharing agreements among insurers and policyholders for mass torts. I frequently consult with other attorneys on insurance coverage issues, for example, construing the liability insurance of their clients or of their opponents. I have over 10 years of expert witness experience with consultation and deposition.
I have over 45 years of experience as a licensed life, health and property and casualty insurance agent, broker, and consultant. These licenses have been issued by examination with continuing education in the fields of life, health, disability, variable annuities, property and casualty insurance and mutual funds. I am an expert in forensic reconstruction of insurance transactions, specializing in policy interpretation of the rules, laws and regulations governing insurance and financial matters. I have over 40 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 25 years of experience in the field of Insurance with expertise as President of a brokerage firm. This experience affords me a unique ability to ascertain and explain risk in simpler terms. I consult in: fully insured, self funded/self insured medical plans consulting, self funded property and casualty programs, stop loss, reinsurance, risk contracting, provider excess loss, HMO reinsurance, provider risk contracting, PPACA and medical plan design, annuities, and indexed universal life. I’m currently an Adjunct Professor and Speaker, and have over 40 articles and letters that have appeared in various publications and several professional newsletters. I am federal court qualified. I speak, broker, and consult internationally on managed care, self-funding, risk contracting, and insurance and reinsurance issues. I have over 5 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 40 years of wide-ranging experience in the insurance industry. My expertise includes: insurance, risk management, insurance fraud, property insurance, life insurance, disability insurance, excess and surplus lines insurance, homeowners insurance, and workers compensation. My additional expertise includes: aviation insurance, marine insurance, yacht insurance, liability insurance, errors and omissions insurance, bad faith, insurance claims, excess and umbrella insurance, offshore insurance, duty of care insurance, and custom and practice insurance. I have prior expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 10 years experience in the field of Social Security Disability with expertise in navigating the Social Security Disability claims process. I have experience with filing applications, analyzing medical records, benefit claims and appeals, disability benefits, conducting hearings, and file appeals.
I have more than 20 years of experience specializing in the placement of individual and small business health insurance and employee benefits. My expertise includes: the specifics of HMO, PPO, group benefits, and indemnity medical insurance; disability income insurance; term life and permanent life insurance; dental and vision insurance; and retirement plans such as IRA’s and 401k plans. I have experience working closely with human resources departments to help manage these benefits, specifically with COBRA and conversion opportunities, as well as assisting individuals in all aspects of the application / enrollment process.
I have 35 years experience in neurology with expertise in Clinical / Forensic Neurology and Pain Management. My specialties include Independent Medical Examinations, Fitness for Duty Examinations, and Disability Insurance Examinations; medical records review; written reports; and expert testimony. My areas of expertise include: Post-traumatic Headache, Traumatic Brain Injury and Post-concussion Syndrome, Post-traumatic seizures or Epilepsy, Cervical Whiplash, Discogenic Disease in the neck and lower back, peripheral nerve injury, soft tissue musculoskeletal injury, Post-traumatic Fibromyalgia Syndrome, traumatic spinal cord injury, toxic exposure / neurotoxicity, catastrophic injury, electrical injury / electrocution, Thoracic Outlet Syndrome (TOS), Reflex Sympathetic Dystrophy (RSD), carbon monoxide poisoning, and product liability issues injurious to the nervous system. I have more than 15 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 25 years experience in Human Resources Management. My expertise includes: defined benefit plans, early retirement programs, voluntary severance programs, severance plans, pension plan conversions, consolidations, life plans, health plans, Pension Benefit Guaranty Corporation (PBGC), pensions, 401(k) plans, medical plans, Employee Retirement Income Security Act (E.R.I.S.A.) claims and appeals process, benefit claims and appeals, cash balance plans, and labor arbitration. I have more than 10 years expert witness experience.
I have over 35 years experience as a practicing attorney specializing in insurance law. My expertise includes: agent liability; appraisal; bad faith matters; business law; claims (disability / health / liability / life / property); construction defects; contracts; first / third party coverage; insurance law; intellectual property; and all forms of insurance. I have additional expertise in general business, civil, and real estate litigation. I have more than 20 years experience with consultations, deposition, and courtroom testimony.
I am a retired insurance company executive with over 35 years experience specializing in health, disability, life, and managed care insurance issues, including: bad faith, fair dealing, underwriting, claims review / coverage, sales, compliance, licensing, home office protocols, field standards, processing, reinsurers, and direct writers. My experience includes litigation and arbitration for insurers and insured. I have more than 15 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 35 years experience in the field of law with expertise in insurance, disability policies, bad faith, and appellate. I have experience in all the courts of the State of California, all of the United States District Courts for California, and for the Districts of Arizona and Hawaii.
I have over 40 years experience in insurance issues. My areas of expertise include life, health, group, disability and estate planning insurance. I have more than 25 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 30 years experience in the Insurance industry and have provided services in all insurance matters. My expertise includes agency operations, agent due care, bad faith, due diligence, underwriting and risk analysis, right of subrogation, E&O matters, commercial underwriting, workers compensation, placing and binding coverage, agency loss ratio, life and disability insurance, standards of the industry, commercial insurance coverage, personal lines of coverage, risk analysis, risk prevention, agency evaluation, agent carrier relations, claims handling, risk retention, medical coverage, condominium and mobile homeowners, the policy as a legal contract, JPA and defense against law suits. I have more than 10 years of expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 30 years experience in the field of Law with expertise in Employee Benefits. I have experience with benefits consulting, federal/state compliance, mergers & acquisitions, group benefits, employee communications and plan administration. I have additional experience with ERISA plans, fiduciary liability, wrongful termination, benefits loss, disability benefits, wellness programs, defined contribution plans, and benefits rights. I have prior expert witness experience with consultations and deposition.
I have over 10 years comprehensive financial advisory experience gained as a registered representative of national wire-houses. I specialize in matters related to investment management by fiduciaries, trustees, personal representatives, and financial consultants, as well as adherence to SEC / FINRA standards of conduct for broker-dealers, registered investment advisors, and their representatives. My expertise includes an emphasis on investment analysis and decision-making processes / modern portfolio theory; asset allocation, diversification, risk control / fiduciary standards, investment and spending policy statements / trust and estates; multigenerational strategies, charitable gifting, tax planning and sheltering. My private practice focuses on recommending and implementing efficient wealth management and investment strategies for high-net-worth individuals and institutional investors. I have more than 10 years expert witness experience.
I have more than 30 years experience in insurance. My expertise includes: property / casualty insurance, agency management, and operations. I have experience in errors and omissions, including binding authority / procurement of coverage, claims handling, segregation of funds, and documentation. I am also knowledgeable in due diligence and policy interpretation, including commercial, personal, automobile, homeowners, commercial crime / inland marine, general liability, and workers compensation matters. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 15 years experience in General Psychiatry and Child and Adolescent Psychiatry. I have experience in disability, workers comp, civil and criminal cases, competency, and child custody. My expertise includes inpatient, outpatient and partial hospitalization treatment of mood disorders, bipolar disorder, depression, anxiety disorders, obsessive-compulsive disorder (OCD), panic attacks, Pervasive Developmental Disorders and attention deficit disorder (ADD/ADHD). My forensic evaluations include disability status evaluations, disability benefits, competency evaluations, child custody evaluations, return to duty evaluations, competency to proceed to trial, appeals for denial of benefits, and civil/criminal cases. I have more than 5 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 50 years claim experience, from claim rep to supervisor. I am experienced in insurance claim, coverage, and bad faith. I have more than 35 years as a coverage and bad faith defense lawyer with over 20 published and unpublished appellate cases. I have experience with qualified trial testimony in over 100 trials involving first and third party claims, underwriting, legal malpractice, coverage, rescission, reformation, cancellation coverage, and advice of counsel. I have experience with testimony for both policyholders and insurance companies. I have more than 25 years expert witness experience with consultations, deposition, and courtroom testimony.