Life Insurance and AD&D Benefit Claims

Beard v. Lincoln Nat’l Life Ins. Co., No. 25-2950, __ F.4th __, 2026 WL 1279959 (8th Cir. May 11, 2026) (Before Circuit Judges Shepherd, Erickson, and Grasz)

This week’s notable decision represents the latest foray by the federal courts into the Serbonian Bog of “just what is an accident anyway?” The Eighth Circuit declined

Edwards v. Guardian Life Ins. of Am., No. 24-60381, __ F.4th __, 2025 WL 1718263 (5th Cir. June 20, 2025) (Before Circuit Judges King, Jones, and Oldham)

One recurring scenario in cases involving ERISA-governed life insurance is when a plan participant or employer pays premiums for the insurance, but the insurer of the plan