Morgan Breslin Sues Lloyds on Disability Policy

Disability Policy Lawsuit Filed In California Federal Court Seeking Benefits for Former USC Football Star Morgan Breslin

Suit has been filed in Federal Court in Los Angeles California by Morgan Breslin against Lloyds of London.  Breslin, a former star defensive end/outside linebacker at the University of Southern California is seeking benefits under a disability and loss of value policy purchased from Lloyds.  Breslin purchased the policy before the 2013 college football season after electing to forego entry in the 2013 NFL Draft.  He returned to USC for his senior season but was injured in the fifth game of the season.  He has not since played football.  Breslin was not invited to participate in the 2014 NFL Combine.  Nor was he selected in the 2014 NFL Draft due to the injury.  In 2013, Breslin was projected as an early round NFL draft pick.

Breslin, who is represented by Bryan D Fisher and Fisher Injury Lawyers, purchased the policy before the 2013 college football season.  He paid over $20,000.00 for the coverage.  Breslin made a claim for benefits under the Lloyds policy in April 2014.  That claim was held by Lloyds without decision for 9 months before being denied.  Breslin believes the denial of benefits is unlawful given that he purchased the policy to protect him from financial catastrophe in the event he suffered a disabling injury in the 2013 football season.  He, like many other exceptional student athletes eligible for the NFL Draft, would not return to college for an additional year if this coverage was not available.  Unfortunately, many of these policies do not pay off as the student athletes expect or are led to believe. This is the time of year when many exceptional student athletes are making the decision to enter the NFL Draft or return to college.  Among these exceptional athletes are Cardale Jones, Jamies Winston, and Marcus Mariotta.

Bryan D. Fisher is widely considered an expert in this specialized area of law and has handled numerous athlete and high dollar disability claims.  Fisher notes that it is the regular practice of Lloyds and other insurance companies to deny these disabilty claims raising hyper-technical defenses to coverage.  In his opinion, this practice is designed only to discourage policy claims and increase the profitability of the insurance companies.  Many student athletes do not have the family support, expert advice or economic stability to challenge these claim denials.  He also observes neither the NCAA nor the athletic conferences have stepped forward to assist their former athletic stars secure payment under the policies.  Fisher says “the NCAA and conferences are in a position to put an end to these baseless denials of disability claims and have failed to do so”.  “These policies are sold only to NCAA exceptional student athletes and are subject to NCAA approval and regulation.  The NCAA, though the Academic and Membership Affairs (AMA) group, and the conferences has the right and obligation to intercede in the claims process on behalf of the student athlete.”   A search of a Federal Court database did not identify a single case in which the NCAA had intervened on behalf of a former student athlete seeking disability policy benefits.

The solution according to Fisher lies in better regulation and oversight by the NCAA and conferences, educating the student athlete on disability policy coverage and claims BEFORE the purchase of the policy or initiating of a claim and ensuring every student athlete making a disability claim has representation by an experienced lawyer.

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