Every year, many Americans are put into financial hardship due to medical emergencies and accumulated medical debts. You hope for your health insurance coverage to help pay for part of your medical treatments and protect you from unforeseen, costly medical bills. However, your medical insurance won’t pay for everything, and you’re still required to pay for some of your medical expenses. If you fail to make payments as of when due, your medical debts may be sent to collections.
Insurance are for-profit enterprises. As such, their first goal is to protect the bottom line—their profitability. If they have shareholders or investors, their goal is to keep the value of the company as high as possible. On top of this, it is estimated that fraud costs insurers billions of dollars a year. Given these realities, it is no shock that insurers may revert to many tactics to deny or rescind a claim made against a policy, even to the level of surveilling a policyholder with a disability claim.
We buy life insurance as a cushion for our loved ones should we pass away before our time and even for the day when we have reached our anticipated ripe old age. We assume and expect that the insurance provider will honor their commitment and make the agreed-upon payout when the claim is made. However, what happens if the claim is denied? Do insurance companies really have legitimate reasons to deny a life insurance policy claim?
A home is usually the largest investment any individual or family will make in their lifetimes in the United States. Buying a home involves several processes. For example, you will need a downpayment and qualify for a mortgage.
If you’ve been denied benefits from your Long-Term Disability (LTD) insurer either when you file your claim or after you've been receiving benefits, the insurer will try to cite reasons saying you are not disabled or are not disabled enough.
Businesses face liabilities on several different fronts depending on the nature of their business. If you operate a retail establishment, customers can injure themselves while shopping in your store, for instance, by slipping and falling.
Very few businesses these days can get by without an online presence or without the use of computers or even cloud-based services or social media. Because of this, if you are operating a business in or around Chandler, Arizona, or are in the process of launching one, it is essential to explore your cybersecurity and data breach insurance options. To discuss your particular enterprise’s exact needs, contact us at Arnett & Arnett, PC.
The insurance industry heavily relies on contracts to set the ground rules for policy coverage and liability. Disputes related to a breach of contract can quickly become a serious concern. In such cases, reaching out to legal support may be the best way to clarify matters.
In Arizona, employers are required to establish and make regular contributions to a pension plan on behalf of their employees. Upon retirement, the funds available in the pension plan may be available to the employee. However, there are specific rules addressing how and when to file a claim and the requirements for processing pension benefits in the Grand Canyon State.
Negligence is a big factor in insurance claims and lawsuits. For instance, if you leave your home in the morning and then crash into another vehicle, you can be held responsible for any injuries and damages you caused due to your negligence.
