Top Reasons Life Insurance Claims are Denied

Life insurance is one of the great inventions of the modern world. If done correctly, it gives you peace of mind for your whole life. Your family is protected no matter what happens to you, and all you have to do is keep making those monthly payments.

And yet, there is still a risk that your life insurance won’t pay out if the proper protocol isn’t followed. This is a heartbreaking realization for people. Just the thought of all that money wasted that was meant to protect your loved ones is enough to bring tears to the eyes, but knowing the risks now make it easier to anticipate the problems and avoid them.

So, here is a list, thanks to Smith Kendall, PLLC, of the top reasons life insurance claims are rejected.

  1. Failure to make a claim in a timely fashion

Today, while everyone is healthy, this may seem ridiculous, that someone would fail to file a life insurance claim in a timely fashion, especially when most states give at least two years to file, and yet, life gets incredibly complicated after a death, especially a sudden and unexpected one. With so much to deal with, and if money isn’t immediately needed (thus reminding people to file), it’s easy to let paperwork get pushed aside indefinitely. Remind your loved ones now that this should be a priority, no matter when you pass.

  1. Disputes over the proper beneficiary

This is the first of several potential issues that can be most easily dealt with by being thorough when applying for life insurance. If there have been multiple beneficiaries to your will or life insurance, there may be disputes over who is the final, legal beneficiary. Keep these things simple and straightforward, and avoid making a lot of changes to make sure there is no confusion over this issue.

  1. Misrepresentation by the insured to the insurance company on the application

Insurance companies, as a rule, expect scrupulous, exact and precise details on applications and all communications. Go over the application multiple times to make sure absolutely nothing is missing. If something is wrong or missing, that can nullify the whole claim.

  1. Undisclosed medical conditions

This is perhaps the most common missing or misrepresented information. Do you have allergies? Did your doctor warn you that you had a minor medical condition that you thought wasn’t worth putting down? Well, put it down anyway. Be exhaustive about your health. If you aren’t, and especially if those issues somehow factor in your death, your entire policy may be nullified.

  1. Dispute over cause of death

There’s nothing you can do about this one, but it still comes up sometimes. There are the famous suicide clauses in life insurance policies, but those usually end after you’ve held the policy for two years.

As you can see, there’s a number of issues that can come up when a life insurance claim is made. It may be best to advise your family to consult a lawyer when filing a claim. While the hassle and expense of a lawyer may seem like a burden at that difficult time, getting everything right can make all the difference.

Should I start riding a bike?

I’m interested in getting into motorcycles, but I don’t know how safe it is in my state. I’m living in South Carolina, and I’d like to get some information on exactly what the situation looks like to those who are already riding, and to those who would refuse to ever get on a bike.

The thing is, I don’t know where to go to find out for myself. All I can find so far is that there are some major issues out there in this state, and maybe I’d be better off not getting into it.

I read on this lawyer’s page that all sorts of things could go wrong, from drunk drivers (either in a car or on another bike) hitting me, to general driver error (which again leads to me being hit), to mechanical failure of my bike (which leads to me peeling out and getting injured), to highway problems, which I take to mean potholes or rocks in the road that could flip my bike.

I’m not an idiot, I know motorcycles are dangerous, it’s just now that I see concrete ways I could be injured it has got me wondering. I think I could get over my worries if I knew South Carolina was a little safer than elsewhere. Then, I could tell myself that all of those horror stories are just a little less likely to happy to me here than if I started biking in, say, Colorado or something.

I don’t know. It’s probably a bad idea, but I just love the idea of a bike. I love the image it presents. I love the idea of commuting to work on a bike and getting those early morning stares from my coworkers. I’m a quiet guy most of the time, and I need something that’ll let me make a little noise.

For all that, my cautious nature may win out in the end. Those possible accidents listed above may be too compelling, and I may end up doing something safer like getting a dog. Dog’s are nice. Dog’s don’t drive drunk, for instance, and run you over.

But I am pretty tired of living such a quiet life. A dog can bark, but a dog doesn’t have that loud, rebellious quality that a bike does. A dog may say I’m a nice guy, but it doesn’t say I’m a bit of a rebel.

Of course, I’m not a bit of a rebel; I’d just like to try to be. But first, I need to hear about the state of the roads and the drivers in this state of mine. So, anyone out there, what is it like riding the roads of South Carolina? Would it be a safe enough place to learn my way on a bike? Or would I be better off keeping my modestly priced car with high safety standards?

California Long-Term Disability

Getting seriously injured is a life-changing event. Not only does one have to go through the lengthy recovery process, one’s ability to work and provide for oneself can be severely impacted, in some cases for the rest of one’s life. For situations like these, long-term disability programs can be a godsend. They can replace a decent percentage of the income that you lose by being unable to work and can keep you afloat while you stay on the road to recovery.

Given how vital these programs can be, it’s equally vital to know your options in a state like California which does not offer long-term disability. In lieu of state-sanctioned disability, those in California looking for peace of mind can purchase long-term disability insurance, which they can get independently or through their employer, under group coverage. The criteria for eligibility for these two forms of coverage are slightly different.

Those looking to purchase long-term disability insurance have to go through a stringent health evaluation process. The insurer will consider your medical history and look out for what can be called potentially disabling conditions. If your medical records show that you underwent treatment for any of these potentially disabling conditions within a certain period of time, the insurers will refuse coverage. This makes it all the more important to consider long-term disability coverage before any health issues start to arise, especially if one’s employer does not offer a group coverage option. If one is able to sign up for long-term disability through their employer, however, the process is much more simple. These insurers just look for pre-existing conditions, which they define as

If one is able to sign up for long-term disability through their employer, however, the process is much more simple. These insurers just look for pre-existing conditions, which they define as a treatment for health issues within a certain frame of time, usually within the last three to six months. An applicant can still be approved for long-term disability even if they have a pre-existing condition, with a small caveat: there is a one to two year period from the start of the policy when it will not pay out if the pre-existing condition causes the insured person to miss work. If one is able to successfully sign up for long-term disability insurance, they are covered for a wide range of situations. Muscular and tendon disorders were the most represented conditions among long-term disability users, but the policy can cover anything from automobile accident recovery to chronic pain. A policy like this can be infinitely useful if one does experience a debilitating injury or medical condition, and in situations where the state doesn’t offer.

If one is able to successfully sign up for long-term disability insurance, they are covered for a wide range of situations. Muscular and tendon disorders were the most represented conditions among long-term disability users, but the policy can cover anything from automobile accident recovery to chronic pain. A policy like this can be infinitely useful if one does experience a debilitating injury or medical condition, and in situations where the state doesn’t offer it it’s important for responsible adults to explore and consider their alternatives. A long-term disability policy could mean the difference between getting back on your feet after a long recovery, or having your life irreversibly changed.

Nursing Home Abuse: What You Need to Know

Unfortunately, many elderly people who live in nursing homes are subjected to abuse in many forms: physical, emotional, financial, etc. Nursing home life is already stressful enough with many accompanying emotional and financial costs. In this article, we will explore some of these types of abuse and examples of each. Finally, we will explore a type of legal case that can be pursued in response to such actions of abuse, the personal injury case. We will conclude by discussing what you can do if you or a loved one have become victims of such abuses.
Physical abuse in nursing homes can come in many forms. Hitting, pushing, squeezing and all other unnecessary violence can result in bruising, broken bones and other physical injuries. Instances of physical abuse in nursing homes are always unjustified and warrant legal recourse. If you have any reason to believe that you or a loved one is being physically abused in a nursing home, you should contact a San Antonio nursing home abuse attorney to discuss your rights and options for legal recourse.

Emotional abuse is much harder to prove but might be more ubiquitous. This type of abuse can be in the form of yelling, insults, unnecessary remarks intended to degrade an individual, etc. This type of abuse usually accompanies physical abuse. Signs of emotional abuse include depression, odd behaviors, unusual quietness, etc. If you think that someone you know might be experiencing emotional abuse in a nursing home, you should perform more research and contact a lawyer to discuss your options.

In addition to physical and emotional abuse, there are also countless instances of financial abuse. Many elderly people are housed in nursing homes because of mental and physical deficiencies. Sometimes workers will take advantage of mental deficiencies by cashing resident’s checks, forging their signatures, stealing their items or otherwise. Nursing homes are already expensive, and the devastating costs of theft and fraud can leave an elderly person with little if nothing at all.

If any of these abuses occur, an individual might have a case for reparations from personal injury. A personal injury case can be made for negligence or intentional acts and typically has four criteria that must be met:
The alleged party had a responsibility to a certain behavior or action

  1. That party failed to maintain that behavior or action
  2. That failure caused you harm
  3. You suffered financial costs due to the failure

If your case meets these criteria, you might have a personal injury case. To be certain, conduct your own research and gather as much evidence as you can to present to an attorney. Nursing home abuse is unjust, and if you find yourself victimized by any of the aforementioned behaviors, you should seek reparations.

Earths Natural Clay

Clay is a more natural alternative to help regulate the body and its ailments. Clay’s powerful negative ionic charge draws out toxins in the body to promote overall wellness. It can be used to get rid of things such as

  • Impurities
  • Free radicals
  • Fungus
  • Bad bacteria
  • Ear infections
  • Sinus infections

Clay can also be ingested, so it can also expel any toxins from within the body’s system as well as from out. To ingest the clay, mix one part of safe-grade clay from a reputable source with eight parts water. For effective in maintaining the overall wellness, one should take this mixture twice a day, once in the morning and once in the evening. Doing so may cause constipation at first, but that is a normal symptom, it is a sign the clay is working and pulling out all the toxins at once. For constipation relief, try natural laxatives in addition to the clay if it causes any discomfort.

Clay is one of many natural remedies intended to better physical ailments through a softer approach than pharmaceuticals. Though it may be used in conjunction with other medicines, clay is better used at least three hours after ingesting other medicine so that it does not interfere with it functions.

It is important to attune to what a specific body needs, clay may work wonders, but it is not for everyone. After treating the skin with clay mask, redness is normal, as it means that the clay has increased circulation in the area, but if you feel that the amount or type of redness is worrisome, or are uncomfortable, then cut consumption in half.

Common Reasons Why Long-term Disability Claims are Denied

You have filed a claim to get long-term disability benefits and you are confident that it is going to be granted. But you soon find out that your claim has been denied. Why did this happen? Firstly, insurance companies are businesses, so they may be denying your claim in bad faith just to save money. Secondly, your claim may have a flaw in it that has forced the insurance companies to deny it.
According to the website of Fields Disability, denied claims can be appealed, so insurance companies can reconsider their decisions. That is a good thing, especially if the denied claims are legitimate. But why are claims denied anyway? Below are some of the most common reasons why.

You are not disabled

It is a disability insurance, so obviously, only those who are disabled can enjoy its benefits. But what counts as a disability? That will depend on your policy with the insurance company. You have the right to get a copy of this policy and review it, so you will know what traits account for a disability.

You are not getting regular treatment

This kind of insurance often requires you to have regular visits to a specific physician, to emphasize the legitimacy of your disability, severity of the medical condition, willingness of the patient to be cured, the duty of the physician to make that happen, and the personal and financial hassle of it all. There may be some wiggle room to what counts as regular, but usually, it means bi-weekly or monthly.

You don’t have enough proof of disability

You cannot just file a claim and declare that you are disabled. You have to prove that you are disabled and that it is preventing you from working long-term. The best proof is to have medical records. Two problems can arise from here. First, you may have enough medical records but have failed to properly present them to the insurance company. Second, you may not have enough medical records because your physician is not properly documenting your treatment.

You are still able

Medical records and physician opinions should be very specific on your condition and what your limitations are, because if the insurance company has found out that the claim is not accurate, the claim may be denied or your approved coverage may be cancelled. There may be instances where insurance companies hire investigators to make sure that you are truly disabled and not able to do what you claim you are not able to do.

Possible Causes of Traumatic Brain Injuries

The brain is one of the most important body parts, so damaging or injuring it can have devastating effects. Many brain injuries are sustained because of trauma or force that has come from impact, causing cognitive problems such as difficulty in reading, writing, and speaking, and sensory problems such as the partial or total loss of sense of smell, hearing, and sensitivity to light.

Traffic accidents
One of the most common causes of traumatic brain injuries are crashes and collisions on the road, whether they involve car and truck drivers, motorcyclists, bicyclists, or pedestrians. For drivers and passengers, they may sustain the injury after banging their head on the steering wheel, windshield, or any other hard objects in the vehicle. For motorcyclists, bicyclists, and pedestrians, the injury may be sustained after a collision sends them crashing into the pavement, pole, hydrant, or any other hard object or surface.

Sporting activities
Traumatic brain injuries can also be sustained in sports, especially those that involve a lot of force and collision. The most common sports that can cause traumatic brain injuries include basketball, football, and soccer.

Falling accidents
You can slip, trip, and fall in a certain angle where you can hit your head and sustain a traumatic brain injury. This is especially true on hard slips and trips, and falls from elevated surfaces. These accidents can happen because of a lot of hazards, such as spilled drinks, loose cables, unattended holes in construction sites, and defects on escalators, elevators, and stairs.

Assault cases
Getting attacked is also a primary cause of traumatic brain injuries. The most common assault cases involve gunshot wounds to the head. But it is not unheard of to sustain traumatic brain injuries from baseball bats and even fists.

One of the few good things about traumatic brain injuries is the fact that it can be taken to court. According to the website of the South Carolina personal injury lawyers of Truslow & Truslow, a party whose actions or negligence have led to injury or death may be held liable for a personal injury case.

Weak Roof Pillars: The Cause of Easy Roof Collapse that can Result to Serious Injuries or Death

Other than head-on collisions, roof crush or roof collapse during a rollover accident is another motor vehicle-related accident that can result to severe injuries or even wrongful death. Rollover crashes severely injure at least 24,000 individuals and kill up to 10,000 in the U.S. every year and, though any vehicle can roll over, taller and narrower ones, such as pickups, SUVs, vans and buses are those more prone to this type of accident due to their heavy tops.

Many vehicles have been designed with a reduced strength and size of roof and supporting structure. This is in order to lessen the weight and the cost of vehicles. Weak vehicle structure, however, also significantly diminishes the safety of the driver and other passengers. In fact, weak roof structure easily causes car roofs to crush down on the driver’s head and spine – the major cause of fatality during rollover accidents.

To make a cars’ roof structure stronger, the government established the following roof crush resistance standards:

  • Federal Motor Vehicle Safety Standard 216 (FMVSS 216)/49 CFR (Code of Federal Regulations) 571.216 – for multipurpose passenger vehicles (MPVs), passenger cars, buses and trucks with a gross vehicle weight rating (GVWR) or gross vehicle mass (GVM) of 2,722 kilograms (6,000 pounds) or less;
  • Federal Motor Vehicle Safety Standard 216a (FMVSS 216a)/49 CFR (Code of Federal Regulations) 571.216a (upgraded standard) – for multipurpose passenger vehicles (MPVs), passenger cars, buses and trucks with a gross vehicle weight rating (GVWR) or gross vehicle mass (GVM) of 4,536 kilograms (10,000 pounds) or less. This, however, does not apply to some types of vehicles, like school buses, some convertibles, and trucks built in two or more stages.

One reason why car roofs collapse is roof pillar failure. Car pillars are the vertical structures that support the roof of a car. A car usually has six roof pillars, which go in pairs: the A-pillars, B-pillars, and C-pillars. As these pillars’ main function is to support the vehicle and keep the roof from crushing down on vehicle occupants during a rollover accident, these then serve as the driver’s and passengers’ best protection.

Many road safety agencies hold manufacturers liable for pillar collapse during rollovers. As explained by a Milwaukee car accident lawyer a vehicle’s structural defects are difficult or impossible for consumers to identify before they become apparent in an accident. This means that a driver will have little or no opportunity to take precautionary measures to account for the flaw. Now, in the event of an accident, any car accident lawyer will agree that automakers should be held accountable for the harm that results from their failure to build a structurally sound vehicle.

What Does Motorcycle Insurance Cover?

Given the fragile nature of motorcycles, having insurance coverage can be critical. According to the website of Habush Habush & Rottier S.C.®, even a minor accident can result to terrible injuries which could mean huge medical expenses on your part. A recent report by the National Highway Traffic Safety Administration (NHTSA) revealed that there were 4,586 deaths due to motorcycle crashes in 2014.

Having motorcycle insurance can help defray the cost associated with accidents. But what does it cover? Depending on which state you come from, the coverage may vary. Some policies may provide bodily injury and property damage liability. Others will include uninsured/underinsured motorist coverage while others will have personal injury protection. Let us break down each type of insurance and find out what they cover.

Liability Insurance

Liability insurance provides coverage for bodily injury and property damage and is almost required in every state. This type of insurance shoulders the medical costs and repair expenses of another person. When deciding on liability coverage, it is always a good practice to get as much protection as you can afford.

Comprehensive and Collision Coverage

If liability coverage shoulders for the driver’s expenses after a crash, collision coverage shoulders the cost of repair of your bike if you were at fault. It also shoulders the cost of damage to riding apparel and helmets.

On the other hand, comprehensive coverage provides protection to your motorcycle from theft as well as from falling debris. It can help defray costs for damages or for replacement of your motorcycle. Comprehensive and collision coverage includes a deductible which you will have to pay from your own pocket.

Total Loss Coverage

After all the damages are added up, total loss coverage will shoulder the suggested amount of a manufacturer for a current model year motorcycle of similar make and model. If your policy does not have total loss coverage, your motorcycle is covered for its current day value.

Medical Payments Coverage

Riding a motorcycle entails a lot of potential risks on your part. For this reason, you need to have sufficient amount on your policy to cover for any medical expenses especially if you do not have any health insurance.

Uninsured/Underinsured Motorist Coverage

Due to its small size, motorcycles can also be difficult to spot on the road. So you can imagine what will happen when an uninsured or underinsured driver collides with you at an intersection. This is where uninsured/underinsured motorist coverage comes in. It will shoulder your expenses when a property is damaged or you get injured.

Hazards of driving an 18 wheeler while exhausted

Many families are devastated every year in the U.S. when they got involved in serious vehicular accidents involving 18 wheeler trucks. Moreover, families are in great danger when drivers of huge trucks decide to work beyond their work hours.

In 2013, the National Highway Traffic Safety Administration (NHTSA) revealed that a total of 3,964 people were killed in accidents involving huge trucks. In the estimated 342,000 large truck accidents recorded in that year, 95,000 people suffered injuries. Falling asleep behind the wheel is one of the unsafe driving behaviors practiced by truck drivers. Though the Federal Motor Carrier Safety Administration (FMCSA) strictly regulate the “hours of service” rendered by truck drivers, some trucking companies or truck drivers themselves chose to work overtime. One of the infamous truck accidents involving an overly fatigued driver took place in June 2014 in New Jersey. A vehicle containing comedians including Tracy Morgan was rear-ended by a Walmart truck. The collision resulted in one person dying, and others being left with injuries. Morgan, who was critically injured in the crash, had his professional career severely affected. The Walmart truck driver involved had been charged after federal investigators learned that he was awake for over 28 hours before the collision took place. National Transportation Safety Board (NTSB) Chairman Christopher Hart said Walmart did not have a well-defined “fatigue management program.” Treating injuries sustained in semi-truck accidents often is expensive and families who lost their loved ones in such incidents are left struggling with huge financial loss due to funeral expenses.

Aside from careful screening, truck companies should also provide proper training programs to their drivers for them to promote safety on the road. Fatigued truck drivers who are involved in accidents often are incapable of compensating their victims; however, a lawyer may possibly help truck accident victims get financial assistance if the driver involved was working for a company.

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