Sandra K. Jones



Sandra Jones partners with insurance industry clients to address and resolve legal and regulatory challenges, as well as coverage and claims disputes that may be impeding their businesses.

Insurance Counsel

She advises insurance industry clients on pre-litigation and litigation matters stemming from accusations of bad faith policy lapses and disputes, claims issues, coverage matters and regulatory issues. She often handles complex interpleader matters and compliance-related issues, including policy administration, rescissions and other coverage disputes. Sandy also represents insurance companies in individual and class actions at the trial and appellate levels in state and federal courts nationwide.

Structured Settlements and Annuities

Sandy regularly assists owners and issuers of structured settlement annuities with all issues, from stem to stern, including:

  • Litigation avoidance/pre-litigation issues
  • Litigation
  • Product development and innovation
  • Attempted assignments of annuity payment rights
  • Third-party garnishments
  • Medicaid-related issues
  • Special needs trusts
  • Tax and estate issues
  • Workers’ compensation matters
  • Child support issues
  • Overpayment recovery
  • Growth of the structured settlement industry
  • General business and strategic advice

She routinely represents insurance and annuity companies as the owners or issuers of structured settlement annuities in cases where factoring companies purchase structured settlement annuity payment rights, and she resolves disputes and litigates matters around the country arising out of the transfer of structured settlement payment rights. She also advises owners and issuers on all complex aspects of the transfer of structured settlement annuities and has developed successful commutation programs and completed thousands of transfer-related matters throughout all 50 states. Sandy serves as co-chair of the National Structured Settlements Trade Association (NSSTA) Legal Committee and routinely speaks on structured settlement issues nationwide.

Long-Term Care Insurance

Sandy helps long-term care insurers and industry professionals resolve issues related to claims administration, premium rate increases, regulatory investigations and market conduct issues, fraud detection and antifraud program development, new product development and innovation, technological advances in care, aging in place, and the future and longevity of the long-term care insurance industry as a whole. Sandy is an experienced litigator who routinely represents long-term care insurers in litigation matters across the United States, with a specific focus on bad faith litigation defense. She remains at the forefront of litigation issues facing insurers through her work and participation in industry organizations, including the Intercompany Long-Term Care Insurance Association Inc. (ILTCI), where she is a frequent speaker and contributor.

Life and Disability Insurance

Sandy has extensive experience litigating life and disability insurance matters, having represented insurers in multiple trials throughout the United States. Sandy counsels life and disability insurance companies in all aspects of litigation avoidance, pre-litigation, and issues stemming from lapse, material misrepresentation, fraud, beneficiary disputes, compliance issues, bad-faith allegations and claims administration issues.

Previous Experience

Prior to joining the firm, Sandy represented clients in banking, transactional, animal and family-related matters. Immediately following law school, Sandy served as law clerk to the Honorable Robert P. Becker Jr., J.S.C. in the New Jersey Superior Court. Additionally, Sandy previously taught “Animals and the Law” at Rutgers University.

Personal Interests

Sandy is passionate about animal welfare and assists clients in a variety of animal-related litigation and issues, including dangerous dog accusations, property disputes and dog bite claims. She also prepares pet trust documents that allow clients to plan for the care of their companion animals after their deaths. Sandy enjoys spending time with her husband, their young daughter and their dogs.


Bar Admissions

New Jersey

Court Admissions

U.S. Court of Appeals for the Third Circuit
U.S. District Court for the Eastern District of Pennsylvania
U.S. District Court for the District of New Jersey


Superior Court of New Jersey, Gloucester County, Hon. Robert P. Becker Jr., 2010-2011


Rutgers School of Law - Camden
J.D. Rutgers Journal of Law and Public Policy (2010)

University of Pennsylvania
B.A. (2004)

Insights & Events

Other Perspectives

Firm Blog Contributions

  • LTCi Summit – a forum dedicated to a range of issues impacting the long-term care insurance community, including litigation, regulation and public policy

Leadership & Community

Pro Bono

Sandy serves as lead attorney for the Germantown Clinic of the Christian Legal Clinics of Philadelphia (CLCP), a 501(c)(3) nonprofit organization that helps the indigent and less fortunate citizens of Philadelphia with legal issues and needs. CLCP seeks to address injustice and poverty in partnership with attorneys in neighborhoods where their services are needed most.

Professional Associations

  • National Association of Women Lawyers (NAWL) Women in Insurance Affinity Group — Co-Chair
  • National Structured Settlement Trade Association Legal Committee — Co-Chair

Civic Activities

  • Philadelphia Animal Care and Control Team (ACCT) — Board member and long-time shelter volunteer
  • City Year — Long-time supporter and mentor to corps members

Firm Leadership

  • Drinker Biddle & Reath LLP — Co-leader, Long-Term Care Insurance Team; Co-leader, Structured Settlement and Annuity Team
The Faegre Drinker Biddle & Reath LLP website uses cookies to make your browsing experience as useful as possible. In order to have the full site experience, keep cookies enabled on your web browser. By browsing our site with cookies enabled, you are agreeing to their use. Review Faegre Drinker Biddle & Reath LLP's cookies information for more details.