If you have a group health, disability or life insurance plan, your claim (and related litigation) is generally governed by the federal Employee Retirement Income Security Act (ERISA). In my opinion, ERISA is pro-carrier in most countries. In my opinion, you should try to avoid ERISA like the plague. Today I want to talk about the refusal to buy life insurance, one of the worst of its kind. Specifically, I would like to talk about a rejection of life insurance because of the cessation of premium payments. Many times this leads to the unfortunate death of an insured, the policyholder may find that he is unable to work to some extent, either physically or mentally. In this state and in this difficult situation, it is highly unlikely that the payment of a life insurance premium will impose a heavy burden on the policyholder. Over the past month, I have learned that several life insurance companies are openly telling divorced beneficiaries that divorce automatically deprives them of beneficiary status under the deceased ex-spouse`s life insurance policy. This theory of automatic divestment seemed extreme, so I did some research. If your insurance claim is denied, Merlin Law Group`s denials lawyers can help. Getting your disability, life, sickness or long-term care insurance to pay your claim can be a daunting task. We understand that the task can be even more daunting if you are struggling physically, emotionally or mentally.
With decades of experience representing policyholders in contractual and non-contractual (bad faith) disputes, we look forward to helping you successfully navigate these challenging times, in part by receiving adequate compensation from your insurance company. If you are not satisfied with your insurance company`s decision regarding your claim, Merlin Law Group can help. Insurers are obliged to reply in writing to policyholders in good time. These timelines vary from state to state, but you can find information about them in your policy by talking to your insurance agent or confirming with your local insurance regulatory office. If you receive a coverage decision, your insurer should list the reasons for the rejection and the portion of your policy they cite. So I wrote about the importance of getting prior approval/pre-certification of a medical procedure from your health insurance company, which you will then ask your carrier. But what about your health insurance company after receiving medical benefits and applying for coverage? Is it a good idea to keep track of your health insurance company after medical treatment and application? Absolutely, in my opinion. This article is largely focused on consumer awareness. The realization is that those who need mental health services and/or those with mental disabilities are still not (inexplicably, in my opinion) treated in the same way as those who need physical health services and/or those who are physically disabled.
You should keep this sad reality in mind when purchasing health or disability insurance. At Merlin Law Group, we understand the pain and frustration that arises when you have suffered damage to your property. If your insurance company is supposed to be there to help you, it ends up causing a second disaster by abandoning its responsibility to its insured followers. Since 1985, Merlin Law Group has been dedicated to doing justice to policyholders in the management of their property insurance claims. Our insurance claims law firm successfully negotiated and recovered over $100 million in damages for an insured in a single case. With a dedicated testing team, the financial resources to combat insurers` delaying tactics, and an extensive network of loss mitigation experts, Merlin Law Group was able to differentiate itself from its competitors. I want you to know how pleased I am with Merlin Law Group, which settled our case against the citizens after rejecting our application. Your insurance company will ask you questions about the claim. This may also be the time to submit photos, repair estimates, and proof of loss. If you decide to engage us as legal counsel, we will inform your insurer of our representation and await their response and any specific inquiries. If you receive a coverage decision, your insurer should list the reasons for the rejection and the portion of your policy they cite.
It is also possible that your insurer will offer a lower amount than you expected or consider fair. If you feel your claim has been unfairly delayed, denied, or underpaid, it may be time to turn to an experienced lawyer. Merlin Law Group represents not only long-term care policyholders, but also any long-term care facility, nursing home or assisted living facility that has a policyholder benefit allowance. If your patient has mental or physical problems, it may be easier for our lawyers to work with the institution than with the policyholder. 222 Lakeview Avenue Suite 1250 West Palm Beach, FL 33401 Recently, a $12,700,000 claim filed by the Rolling Stones/Mick Jagger was denied. High-speed winds can cause serious damage to your property. To learn more about wind damage, click here. In the case of disability insurance, for example, it is still all too common for disability insurance to limit mentally disabled persons to a shorter benefit period (e.g.
24 months). Compare that to physically disabled people who are entitled to benefits until age 65 or for their entire lives under most disability insurance. We are truly grateful for your help in resolving this unfortunate situation. Thank you doesn`t seem to be enough. We were lucky to find you and we will never forget. I`m not aware of the political language behind the Rolling Stones lawsuit, so I can`t comment on the (in)appropriateness of the airline`s grievance decision.