"Insurers can make erroneous arguments with near impunity when it comes to the 112.8 million life and accidental death policies provided by companies and associations to their employees and members. That’s because of loopholes in a federal law intended to protect worker benefits."

That's a quote from a Bloomberg article about insurance company abuses of claimants under Accidental Death and Dismemberment insurance policies.

And what is the federal law in question?

Three guesses.

Read the whole thing.