Life Expectancy Expert Witnesses: 5

Arthur B. Kagan, FSA, EA, is one of the most qualified Actuaries and Pension Plan consultants in the country. In his over 40 year career, he has helped thousands of plan sponsors with the management of their company’s retirement plans, as well as hundreds of thousands of plan participants with their pension benefits.

Since 2020, Mr. Kagan has completed 50 expert witness cases, including personal injury, medical malpractice, wrongful death, economic damages, family law, life estates, ERISA, public pension plan participant values, deferred compensation agreements, insurance, annuities, and general litigation on economic values.

Mr. Kagan served as the President and sole owner of a third party administration (TPA) and actuarial consulting firm for 26 years serving 650 plans;  Previously, he was president and partner of a TPA and actuarial firm serving 1400 plans. He is fully credentialed in actuarial valuations, plan funding, and present value calculations:

Mr. Kagan serves large, mid-size, and small plans covering all industries and all employer types.  He specialize in all aspects of:

Mr. Kagan has presented many seminars on recent developments in pension plan industry and creative plan design to the Desert Estate Planning Council, California CPA Society, AXA Advisors, and various financial advisory and CPA firms.

Vera Dolan is an epidemiologist with over 30 years of experience in the life and health insurance industries. She is one of the leading mortality experts in the life insurance industry. She writes underwriting manuals and policy and procedure manuals for life and health insurance companies.

Vera has testified in both state and federal court, and has been retained in over 200 cases since 2006 for plaintiffs and defense on an equal basis. She is very credible testifying in deposition and on the stand.

* Life expectancies that are personalized and accurate to the standards of the life insurance and life settlement industries. Addresses the cases when life expectancies that are simply taken from a life table or estimated by a doctor, actuary or biostatistician are too long, too short, insufficient or not credible. Addresses the cases when a complete insight into the individual's medical conditions and/or personal history of high-risk behaviors is needed to assist the judge or jury in their decision. This information often decides the case, see article for details.

* Expert in bad faith/wrongful denial of life/health insurance claims.

* Expert in life/health insurance underwriting material misrepresentation.

* Expert in medical risk assessment and underwriting issues.

* Expert in life insurance underwriting policies and procedures.

* Expert in epidemiology. Previous cases include infectious diseases, occupational and environmental exposures, pesticides and tobacco.

* Approved life expectancy expert with the U.S. Department of Justice.

* Active consultant to the life insurance industry conducting cohort mortality studies, and writing underwriting and policy and procedure manuals.

* Over 100 articles published on mortality research and underwriting.

* Friendly, clear, concise, objective and quantitative.

* There is no charge for the initial phone consultation.

* There is no charge for travel time.

EXPERTISE IN: 1. The pathobiology, clinico-pathologic correlation, and histopathologic diagnosis of: diseases of the esophagus, stomach, small intestine, colon, rectum, anus, liver, and pancreas. 2. Human neoplasms (cancer) and preneoplastic conditions. 3. Establishing standard of care, causation and cause of death. 

BACKGROUND: 

1. Anatomic Pathology Residency: Washington Univ-Barnes Hospital 1991-94.
2. Oncologic Pathology Fellowship: M.D. Anderson Cancer Center 1994-95.
3. Gastrointestinal and Liver Pathology Fellowship: Harvard-Brigham & Women's Hospital 1995-96.
4. Instructor at Harvard Medical School: 1996-1998.
5. Assistant Professor and Director of Gastrointestinal Pathology Division at UT-Health Science Center-Hermann Hospital, Houston Medical Center: 08/1998 - 12/2000.
6. Staff GI Pathologist and Quality Assurance Director at Caris/Miraca Life Sciences, Dallas TX: 01/2001 - 04/2012.  Dr. Torres was instrumental in creating a unique model of Gastrointestinal Pathology subspecialty-focused laboratory, during his tenure at Caris/Miraca Life Sciences.
7. Staff Pathologist, Anatomic Pathology Division of the North Shore-LIJ Health System, Long Island NY: 05/2012 - 05/2015.
8. Staff Pathologist, Anatomic Pathology Division of Alliance Health Sciences, Dallas TX: 06/2015 - 05/2020.
9. Sole Proprietor of Expert Pathology Consultation Services Laboratory since 01/2020, which provides diagnostic pathology services to hundreds of clinicians of different subspecialties.         

Garson M. Caruso, MD, MPH, PA, is a board certified Occupational Physician in private consulting practice with extensive clinical and administrative experience in emergency and occupational medicine, including:

• Case Review, Analysis, and Management
• Impairment Determination and Disability Rating
• Medical Direction
• Industrial Illness and Injury Care
• Medical Review Officer functions

Dr. Caruso has performed occupational health services and consulting for organizations including Lockheed Martin, Bechtel Aberdeen, PepsiCo, Dean Foods, The New York Transit Authority, and multiple Johns Hopkins Medical Institutions. He has very broad and in-depth case management and file review experience involving complex disability and workers’ compensation claims. 

Dr. Caruso is a Fellow of the American College of Occupational and Environmental Medicine (ACOEM) and International Academy of Independent Medical Evaluators (IAIME); a Certified Independent Medical Examiner (CIME; 2009-2014); and a Certified Medical Review Officer. He has also held numerous leadership roles in ACOEM, and both published and presented at national, state, and local conferences in his areas of expertise. Dr. Caruso's primary professional interests are worker disability prevention and management, with a particular focus on the psychosocial aspects of occupational medicine and workers compensation, and prevention or minimization of unnecessary work disability. 

Litigation Support - Dr. Caruso's expertise is available to counsel representing both plaintiff and defendant. His services include Independent Medical Evaluations, written reports, depositions, and trial testimony as needed. Dr. Caruso is licensed to practice in Pennsylvania, Florida, Maryland, New York, Virginia, Louisiana, and North Carolina. 

Areas of Expertise:

View Dr. Caruso's Consulting Profile.

Dr. Kelly S. Harvey, MS, PT, DPT, TPS, CLCP, CFCE, is a Medical Legal consultant with 27 years of clinical leadership experience and acute, rehabilitation, and concierge practice expertise. Dr. Harvey has been recognized for demonstrating a natural aptitude for Forensic Analysis and Catastrophic Case Management as well as for creating Medical Cost Projections and Life Care Plans.

Dr. Harvey founded Harvey Medical Legal Consulting in 2012 to offer her orthopedic trauma, spinal cord injury, and traumatic brain injury expertise. She maintains a private practice, as well as certifications as a Life Care Planner, Industrial Ergonomist, Functional Capacity Evaluator, Return to Work, Work Readiness, and Work Hardening Evaluator.  Dr. Harvey holds Therapeutic Pain Science Specialty certification that allows her to autonomously evaluate and treat Pain Management patients.

Litigation Support - Dr. Harvey serves the legal industry as a Forensic Analyst, Damages Expert, and Medical Consultant. She is an Industry Best Practice Advisor and Expert Witness in the fields of Physical Therapy, Rehabilitation, and Pain Management. Dr. Harvey offers services to attorneys representing plaintiff and defendant. She provides medical chart review, thorough reporting, depositions, arbitration, and trial testimony as needed. Dr. Harvey has been deposed and/or testified in a court of law over 48 times.

Areas of Expertise:

Education / Training:

• Doctorate of Physical Therapy, International Spine and Pain Institute;
• Therapeutic Pain Specialist, International Spine and Pain Institute;
• Master of Physical Therapy, Columbia University College of Physicians and Surgeons; 
• BA in Psychology and Biology, University of California at Santa Barbara