Life insurance is often purchased to protect the surviving beneficiary or beneficiaries financially, especially if the insured was a breadwinner. Because of this, it is important that insurance companies timely pay life insurance benefits. The last thing a grieving...
While the medical community has communicated that many people who get COVID-19 either have no symptoms or a mild case, they have also advised that many experience severe symptoms, even if they do not require hospitalization. Additionally, an increasing number of...
For most of the past year, hospital based nurses, doctors, and medical staff as well as first responders have been repeatedly exposed to the traumatizing effects of COVID-19. Watching patients suffer from an illness about which we have little understanding and having...
On October 15th, the U.S. Court of Appeals for the 11th Circuit ruled in favor of our client, Darren Mickell, in the case, Mickell v. Bell/Pete Rozelle NFL Players Retirement Plan, holding that the NFL abused its discretion when it denied disability benefits to...
After paying the premiums for long-term care insurance coverage for years, it can be emotionally upsetting and financially devastating when the insurance company denies a claim for benefits. Unfortunately, this scenario is not uncommon. Long-Term Care insurers utilize...
We are all at risk of needing a long-term care support system should we become chronically sick, sustain a long-lasting or permanent injury, develop problems with cognition or face frailty related to the aging process. When one of these challenges prevents someone...
The U.S. Court of Appeals for the Sixth Circuit recently held in favor of a long-term disability (LTD) claimant whose insurance company denied his claim based largely on severe, chronic back pain. Disability insurance companies often improperly discount credible...
We are currently having a collective experience that provokes some degree of natural anxiety in almost everyone. However, when the level of anxiety becomes overwhelming, it can prevent a person from being able to work in their occupation. Individuals with a private,...
Disability insurance policies often ban coverage for disability that stems from pre-existing conditions. In other words, if someone had a medical problem within a specified time frame prior to their effective date of coverage and they became disabled within the first...
The challenges of COVID-19 are not limited to contracting the virus and becoming ill. Many people are experiencing extreme stress and even trauma as a result of the pandemic – including first responders, medical personnel, those at greater risk due to advanced age or...
