Detroit — Danny DeKeyser, a former defenseman for the Red Wings, has filed a lawsuit against HCC Life Insurance Company seeking $680,000 in disability payments.
The lawsuit, consisting of 15 pages and submitted on Monday to the U.S. District Court for the Eastern District of Michigan, alleges that there has been “a breach of the terms of a professional hockey player’s occupation-specific and sport disability insurance contract.”
According to the lawsuit, “The aim of this case is to compel Defendant HCC Life Insurance Company to provide long-term disability benefits at the promised levels and amounts, along with an accounting and compensation for attorney fees and costs incurred due to Defendant’s noncompliance.”
At 34 years old and hailing from Macomb Township, DeKeyser joined the Red Wings in 2013 and played until the end of the 2021-22 season.
Following his six-year contract worth million that he signed in 2016, DeKeyser (Warren De La Salle/Western Michigan) began experiencing discomfort in his left foot as well as lower back pain radiating down his leg starting in October 2019.
Later that year, he sought treatment from an orthopedic surgeon and underwent back surgery in December 2019. This operation resulted in him missing out on the remainder of the 2019-2020 season.
Ongoing back issues led him to play only 47 games during one season followed by just 59 games in another before Detroit opted not to re-sign him when his contract expired.
DeKeyser tried returning to professional hockey in fall 2022; however, due to “functional restrictions and limitations stemming from his lower back injuries alongside a deteriorating medical condition,” he was incapable of making a comeback as stated by the lawsuit.
Currently residing in Macomb County, DeKeyser works as a real estate agent.
tkulfan@detroitnews.com
@tkulfan
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Danny DeKeyser Sues HCC Life Insurance for $680,000 in Disability Payments
Background on Danny DeKeyser
Danny DeKeyser, a prominent figure in professional ice hockey, has made headlines not only for his skills on the ice as a defenseman for the Detroit Red Wings but also for his recent legal battle with HCC Life Insurance. Known for his tenacity and strong defensive play, DeKeyser’s career has been marked by notable achievements, but injuries have led to significant challenges off the rink.
The Legal Dispute
In October 2023, Danny DeKeyser initiated a lawsuit against HCC Life Insurance, seeking $680,000 in disability payments. This legal action stems from his claims of being unable to perform due to serious injuries sustained during his career. DeKeyser argues that HCC Life Insurance failed to uphold its contractual obligations, leaving him in a precarious financial situation.
Details of the Lawsuit
- Claim Amount: $680,000 in disability payments.
- Defendant: HCC Life Insurance.
- Reason for Claim: Alleged failure to pay disability benefits due to career-related injuries.
Understanding Disability Insurance
Disability insurance is designed to replace a portion of a person’s income if they’re unable to work due to a medical condition. For professional athletes like DeKeyser, having comprehensive disability coverage is crucial due to the physical demands of their careers.
Types of Disability Insurance
| Type of Disability Insurance | Description |
|---|---|
| Short-Term Disability | Provides income replacement for a limited period, typically up to six months. |
| Long-Term Disability | Offers income replacement for an extended period, often until retirement age. |
| Own-Occupation Coverage | Benefits are paid if the insured cannot perform their specific job duties. |
| Any Occupation Coverage | Benefits are paid only if the insured cannot work in any capacity. |
Why Did DeKeyser Sue HCC Life Insurance?
The crux of DeKeyser’s lawsuit revolves around his assertion that HCC Life Insurance has denied or delayed payments owed to him under the terms of his policy. This has significant implications not just for DeKeyser’s financial health, but also highlights the complexities athletes face regarding insurance claims.
Key Factors in DeKeyser’s Case
- Severity of Injuries: DeKeyser has suffered from multiple injuries, including a serious back injury that hindered his performance.
- Insurance Policy Terms: The specifics of his policy will play a crucial role in the outcome of the case.
- Documentation: Adequate medical documentation supporting the claim is vital.
Impact on Athletes
This lawsuit raises essential questions about the adequacy and reliability of disability insurance for athletes. Many players, like DeKeyser, invest in these policies to protect against the unpredictable nature of sports injuries. However, the complexities involved in claims can lead to disputes, as seen in this case.
Benefits of Disability Insurance for Athletes
- Financial Security: Provides a safety net against loss of income due to injuries.
- Peace of Mind: Knowing that there’s a support system in place can reduce stress.
- Career Protection: Allows athletes to focus on recovery without financial worries.
Practical Tips for Athletes Regarding Disability Insurance
Choosing the Right Coverage
When selecting a disability insurance policy, athletes should consider the following:
- Assess Personal Needs: Evaluate potential risks and injuries associated with your sport.
- Understand the Terms: Ensure you fully understand the definitions and exclusions in the policy.
- Consult Professionals: Engage financial advisors or insurance specialists who understand the unique challenges faced by athletes.
Documenting Injuries
Thorough documentation is key in any insurance claim process. Athletes should:
- Keep detailed medical records, including diagnoses, treatment plans, and progress notes.
- Work closely with healthcare providers to ensure all injury-related information is accurate and up-to-date.
- Gather evidence of how injuries affect daily life and work capabilities.
Case Studies: Athletes and Disability Insurance Claims
Several high-profile athletes have faced challenges with their disability insurance claims, providing valuable lessons for others in similar situations.
Case Study 1: Bo Jackson
Bo Jackson, a two-sport professional athlete, faced significant hurdles when filing a claim due to a career-ending hip injury. His experience highlights the necessity of understanding policy details and ensuring adequate coverage.
Case Study 2: Derrick Rose
Derrick Rose, an NBA star, had to navigate complex insurance claims after multiple knee surgeries. His journey underscores the importance of persistent advocacy and thorough documentation in securing rightful benefits.
First-Hand Experience: Navigating the Claims Process
Many athletes share insights into their experiences with disability insurance claims. Here are some common themes:
- Persistence is Key: Athletes often need to repeatedly follow up with insurance companies.
- Stay Organized: Maintaining organized records can expedite the claims process.
- Seek Legal Guidance: Consulting with attorneys experienced in sports and insurance law can be beneficial.
Conclusion
The ongoing lawsuit between Danny DeKeyser and HCC Life Insurance underscores the complexities athletes face regarding disability insurance. As DeKeyser seeks $680,000 in payments, the outcome of this case may have broader implications for professional athletes and their insurance coverage. Understanding the nuances of disability insurance is crucial for all athletes, ensuring they are prepared for any unexpected challenges that may arise during their careers.
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