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Your Information Source for Insurance Coverage Denials & Disputes

Navigating insurance claims is complicated, and dealing with denials is frustrating to say the least. Learn what you need to know here to be successful on your claim.

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What Can Beneficiaries Do if the Life Insurance Policy Lapses?

Posted by: Insurance | News Desk November 4, 2022
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Life insurance policies are only valuable so long as the insured continues to keep up with premium payments, which might be set up to be paid monthly, semi-annually or annually. If those payments stop, the policy is said to lapse. Once the policy lapses, it is no longer in force, and no benefits will be paid when the (formerly) insured passes on. A lapsed whole-life policy might have built up some cash value and be worth something as part of the deceased’s estate, but a lapsed term life policy is not worth anything at all. Read More

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Is Cosmetic Surgery Ever Medically Necessary?

Posted by: Insurance | News Desk October 24, 2022
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Surgeries and other treatments and procedures can cost thousands of dollars, so it’s no surprise that health insurance companies only want to cover procedures that are deemed medically necessary. So-called elective surgeries, procedures that people choose to enhance their looks or for other reasons unrelated to treating a medical condition, are not covered. Read More

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What’s the Difference Between Social Security Disability Insurance and Long-Term Disability Insurance?

Posted by: Insurance | News Desk October 14, 2022
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People who experience some sort of physical or mental disability that keeps them from working, such as due to an accident or illness, might be able to get financial help from various insurance-based resources. If the accident or illness occurred on the job, the person is likely covered by workers’ compensation, which is a form of insurance that pays medical expenses and partial wage replacement benefits for short-term, long-term or even permanent disability. If the disability was not acquired in the course of employment, other forms of insurance can pay benefits to people who can no longer work. Read More

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Cash Value and Dividends Can Help Keep Your Life Insurance Policy From Lapsing

Posted by: Insurance | News Desk September 12, 2022
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One advantage of whole life insurance policies over term life is that they build cash value. A term policy does no such thing. It is in effect so long as you continue to pay your premiums, and if you die while covered, the policy should pay out to your beneficiaries. But if you stop paying premiums and let your term life policy lapse, the policy is canceled and you have nothing to show for all those years of premiums you paid. Read More

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