Michael Grabhorn
Grabhorn Law | Insured Rights
Located in Louisville, Kentucky, Michael D. Grabhorn is a recognized national authority in the area of life and disability insurance, involving both state law and ERISA. Mr. Grabhorn’s practice is limited to representing insureds, individually and on a class basis. Mr. Grabhorn litigates insurance cases locally and across the country. As a result, in addition to the courts in Kentucky, he is also admitted to practice before the U.S. Supreme Court, as well as regularly appearing before the federal district and appellate courts.
Based on his focus on life and disability insurance, Mr. Grabhorn is familiar with the insurance companies and their internal claims processes. His insurance clients benefit from his unique knowledge and experience, as well as his reputation with the insurance companies.
In addition to his legal background, Mr. Grabhorn has intimate knowledge in the design, marketing, and workings of life and disability insurance products. Prior to establishing his law firm, Mr. Grabhorn spent over 17 years working in the insurance industry. During this period, he was exposed to all facets of life and disability insurance, as well as annuities. He was recognized for his knowledge and received the prestigious chartered life underwriter (CLU) and chartered financial consultant (ChFC) certifications. He learned how the insurance products were sold, how they were marketed (the promises made), and how they were designed. He was retained by insurers to consult in the design and marketing of new insurance products. During this same time period, Mr. Grabhorn created one of the largest private continuing education programs for teaching insurance agents and brokers.
- Insurance Claims
- Bad Faith Insurance, Disability Insurance, Life Insurance
- Employment Law
- Employee Benefits, ERISA
- Zoom
- Microsoft Teams
- Free Consultation
- Contingent Fees
- Kentucky
- Kentucky Bar Association
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- 1st Circuit
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- 2nd Circuit
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- 3rd Circuit
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- 4th Circuit
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- 5th Circuit
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- 6th Circuit
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- 7th Circuit
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- 8th Circuit
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- 9th Circuit
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- 10th Circuit
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- 11th Circuit
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- U.S. Supreme Court
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- English: Spoken, Written
- Spanish
- Founding & Managing Attorney
- Grabhorn Law | Insured Rights
- - Current
- Managing Insurance Consultant
- Capital Resources Corp.
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- University of Louisville Louis D. Brandeis School of Law
- J.D. | Law
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- American College
- CLU, ChFC | Insurance
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- University of Louisville
- B.S. (1991) | Finance
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- American Bar Foundation
- Fellow
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- Kentucky Bar Association
- Member
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- Kentucky Justice Association
- Member
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- American Bar Association
- Member
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- American College
- Member
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- Arbitration and Insurance Claims
- The Advocate
- No More Surprise Medical Bills
- The Advocate
- Legal Issues in Life Insurance Claims
- The Advocate
- Contractual Issues, Proof in Disability Insurance Claims
- The Advocate
- Litigating Individual Disability Insurance Claims
- The Advocate
- Bad Faith is Not Limited to Insurance Claim Practices, RMI Insurance Day
- Long Term Disability Insurance and Subrogation, Subrogation Tactics
- Litigating Long Term Disability Insurance - ERISA Claims, National Association of Trial Lawyer Executives
- ERISA, It’s Not Just About Subrogation: Life and Accident Insurance Claims, Subrogation Update
- Medical Providers Refusing to Bill Health Insurance, KJA Continuing Legal Education
- Chartered Life Underwriter (CLU)
- American College
- Chartered Financial Consultant (ChFC)
- American College
- Website
- Grabhorn Law | Insured Rights®
- Q. In an ERISA STD claim - is it common practice for the claimants doctor to be listed as a paid vendor in the claim file?
- A: It is very common for insurers and administrators for employer provided short-term disability to use 3rd party medical reviewers as part of the claim process. These 3rd party medical record reviewers generally do not have a direct relationship with the insured. They are hired and paid by the insurer or administrator. There are some instances where the insurer or administrator may contact a treating physician to obtain an opinion and, in turn, pay a fee.
In addition, an insurer or administrator may require the claimant to attend an independent medical exam (an IME) for which they pay the physician's fee. As with record reviews, this is also common. If this is an ERISA governed plan ... Read More
