Close Menu

Recent Blog Posts

Health Insurance cards total and dental care with stethscope. 3d illustration

How to Fight a Health Insurance Claim Denial

By Insurance News Desk |

We’ve previously discussed some of the many reasons insurance companies give for turning down claims. Insurance companies are often wrong when they make these determinations, but how do you go about convincing them of their mistake? You have a right under state and federal law to appeal a health insurance claim denial, but you must follow certain steps in a certain order under defined time frames. We talk about those steps below.

Facebook Twitter LinkedIn
Insurance bill second notice, seal stamped on document, payment

What Can Beneficiaries Do if the Life Insurance Policy Lapses?

By Insurance News Desk |

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 Once the policy lapses, it is no longer in force, and no benefits will be paid when the (formerly) insured passes on.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.

Facebook Twitter LinkedIn
Surgeon performing cosmetic surgery in hospital operating room. Surgeon in mask wearing loupes during medical procadure. Breast augmentation, enlargement, enhancement, Blue background, blue filter

Is Cosmetic Surgery Ever Medically Necessary?

By Insurance News Desk |

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.

Facebook Twitter LinkedIn
Closeup the silver ballpoint modern pen on insurance contract with planning in background.

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

By Insurance News Desk |

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.

Facebook Twitter LinkedIn
Senior people and financial advisor

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

By Insurance News Desk |

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.

Facebook Twitter LinkedIn
Health insurance concept. Big clipboard with document on it. Healthcare, finance and medical service. Isolated vector illustration in cartoon style

Why Some Health Insurance Claims Are Denied

By Insurance News Desk |

Without health insurance, a visit to the doctor can set you back several hundred dollars. If you need surgery, a name-brand medication, or if God forbid you get a life-threatening illness, medical care can run into the thousands and quickly become unaffordable. Health insurance can literally be a lifesaver, but what happens if the insurance company refuses to cover the services or treatment you need?

Facebook Twitter LinkedIn
Paper people under hands in gesture of protection. Concept of insurance, social protection and support.

Group Life Insurance Only Pays on Those Who Were “Actively Working” at Time of Death

By Insurance News Desk |

Employer life insurance, also known as group life insurance, is a common fringe benefit provided to employees at many companies. Employees qualify for coverage simply by virtue of their employment and don’t have to take a physical exam or go through any underwriting.

Facebook Twitter LinkedIn
Complaints files and documents in cabinet in office. 3D rendered illustration.

What Do Insurance Companies Do With Consumer Complaints? Hide Them From Investors, of Course!

By Insurance News Desk |

On July 20, the Securities and Exchange Commission (SEC) announced that it had filed charges against a health insurance company for hiding a long list of consumer complaints from the company’s investors.

Facebook Twitter LinkedIn
Senior man with papers or bills counting on calculator at home

Are Deferred Annuities for Real?

By Insurance News Desk |

According to the financial information website Investopedia, a deferred annuity is a contract with an insurance company that promises to pay the owner a regular income, or a lump sum, at some future date. An immediate annuity, in contrast, is an insurance contract that starts paying as soon as you purchase it. Deferred annuities are often aggressively marketed to consumers, especially elderly consumers, but some would say they have become the scourge of the unwary investor in recent years.

Facebook Twitter LinkedIn
Medical health insurance concept. Family with stethoscope and plastic card.

Eligibility to Buy a Marketplace Plan

By Insurance News Desk |

The Health Insurance Marketplace® is a service that helps people shop for and enroll in health insurance. The Marketplace is run by the federal government under the auspices of the Affordable Care Act, also known as Obamacare, which brought health insurance to millions of Americans who were previously uninsured.

Facebook Twitter LinkedIn

Has Your Insurance Claim Been Denied?

Contact Us Today To Learn About Your Legal Options