Class Claims MetLife Cheats By Assuming Kids Will Smoke

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Metropolitan Life Insurance defrauds customers by illicitly and secretively applying smokers' rates to children who don't smoke, claiming that by the time they are adults the kids will be smokers, a class action claims in Middlesex County Court.

Plaintiffs claim MetLife conceals this deceitful policy, which violates underwriting guidelines.

They claim MetLife's "'juvenile standard' or 'standard' rate and/or risk class is a blend of smoking and nonsmoking mortality experience. MetLife never disclosed this information to policyholders, defendant's own sales agents, or persons other than those MetLife actuaries and home office personnel involved in pricing MetLife's insurance policies."

Represented by Bruce Greenberg with Lite DePalma Greenberg & Rivas, plaintiffs demand treble damages for consumer fraud.

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What Is Meant by ‘No-Fault’ Workers’ Compensation in Illinois?

If you were injured in a work-related accident and have been researching workers’ compensation, you may have seen it described as a “no-fault” system. One of the most important things to understand about the workers’ compensation system in Illinois is that it is based on a “no-fault” system. What does this mean, exactly?

Most employers in Illinois are required by law to have workers’ compensation insurance. And the workers' compensation in Illinois is a “no-fault” system, which means that any worker who has been hurt on the job is entitled to workers' compensation benefits. If you have been hurt on the job, you are entitled to workers’ compensation benefits no matter whose fault the accident was.

A no-fault insurance system, such as workers’ comp, works by paying claims regardless of who is to blame for an accident. This provides an important layer of protection for injured workers, sparing them from having to through additional litigation and the through the additional burden of proving who was at fault before receiving benefits.

In Illinois, even though you don’t have to prove that your injury was your employer’s fault, you do have to prove that your injury happened at work or as a result of work. If you would like help to file your workers' compensation claim, Krol, Bongiorno, & Given’s experienced workers' comp lawyers are here to help. With over 60 years of combined legal experience, the KBG law firm is a leader in the field of workers’ compensation law and we have earned the reputation as aggressive advocates for injured workers before the IWCC.

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