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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.

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