The American Association for Justice (AJJ) identified the top ten worst insurance companies in America for consumers.The survey reviewed thousands of court documents and various records to compile a list of the worst insurance companies in the country. The following insurers were rated poorly for either service or bad faith …
The definition of total disability is not standard and will vary from company to company and product to product. Total disability can be defined in different ways. Generally, it can refer to total disability where one is unable to perform the substantial and material duties of your own occupation commonly referred to as “own occupation” coverage. Or, it can refer to coverage if one is unable to perform “any occupation” for which you are reasonably educated, trained or suited. This is called “any occupation” coverage.
Denied Disability Insurance Claims, Los Angeles ERISA Appeals Lawyer Disability insurance can help protect you, and your family against a sudden loss of income if you are unable to work. Unfortunately, simply having disability insurance is no guarantee that your insurance company
A recent ruling by the Ninth U.S. Circuit Court of Appeals will help Californians who need treatment for mental health issues to get the insurance coverage that they need. The decision will hopefully help eliminate health care claim disputes for individuals struggling with depression, anorexia or other mental health issues.
In late December, Blue Shield of California settled a bad faith insurance claim with the County and City of Los Angeles, agreeing to pay $2 million for withdrawing health insurance benefits after members became ill. The health insurer came under fire for engaging in what former Los Angeles City Attorney, Rocky Delgadillo, called “post-claims underwriting.”
This fall, California passed a law outlawing “discretionary clauses” in disability and life insurance policies. Discretionary clauses allow insurers to overrule doctors’ opinions and decide that an insured is not disabled and therefore not entitled to benefits.
November 11, 2011 – A class action lawsuit recently filed in California state court alleges that insurance giant Blue Cross engaged in illegal “bait and switch” tactics while increasing annual deductibles and premiums during the middle of a deductible year. The suit claims the company violated state laws, including the Knox-Keene Act which prohibits health care plans from using misleading advertisements and deceptive coverage descriptions.
In September 2011, the California Department of Public Health (CDPH) announced administrative penalties against 12 California hospitals for failure to meet licensing requirements that the CDPH determined caused or was likely to cause serious injury or death to patients.
When these failures occur, a patient who suffered serious harm as a result may be able to make a claim against the at-fault health-care provider in a medical malpractice lawsuit.
All life insurers licensed to do business in New York are now directed to report on how many death benefits they have not paid because they did not use the official government list of deaths to promptly identify when policyholders died, the New York Insurance Department announced today. To produce this report, the Department is requiring insurers to immediately begin using reliable available data to identify when policyholders have died and death benefits are due but unpaid. Meanwhile, the Department is working on a regulation to make this requirement permanent.