Gordon Rees Draws 6-Lawyer Group From Oakland Firm
The group will work in several West Coast offices from San Francisco to Portland and Reno.
Mental Health Response Teams Yield Better Outcomes Than Police In NYC, Data Shows
A New York City pilot program dispatches mental health and medical care instead of police to some 911 calls. Early data shows more people accepted help and fewer people were admitted to the hospital.
Capitol Police Officer Testifies To The Racism He Faced During The Jan. 6 Riot
Capitol Police Pfc. Harry Dunn noted in testimony before Congress about the U.S. Capitol insurrection that he was called the N-word after he said he voted for President Biden.
Deal Watch: For Aon, Willis Towers Watson and 6 Law Firms, a $30B Merger That Wasn't
The insurance mega-merger is off a month after the U.S. Department of Justice filed suit to block it. Gordon Rees Draws 6-Lawyer Group From Oakland Firm Aviku Law Resources Via https://www.aviku.com/uncategorized/gordon-rees-draws-6-lawyer-group-from-oakland-firm/
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News and Events: Annual Summer Movies on the Lawn Series Announced
The Library of Congress will host its fourth annual “LOC Summer Movies on the Lawn” outdoor film festival this summer, starting on July 8. The series of five movies, which showcases iconic films from the Library’s National Film Registry, will be presented on Thursday evenings at sundown between July 8 and Aug. 5 on the north lawn of the Library’s Thomas Jefferson Building, across the street from the U.S. Capitol.
Vaccine required: Can businesses legally do this? Legal expert weighs in
Brady said since she specializes in wrongful medical disclosures, she has been getting many calls for legal advice throughout the pandemic.
COVID-19 outbreak halts largely unvaccinated Indiana Law Enforcement Academy class
Ten students have tested positive and nine had inconclusive tests as of Wednesday morning, according to the Law Enforcement Training Board. The …
Eastpointe Provides CIT Training To Wayne County Law Enforcement
On July 22nd, Eastpointe, and its community partners completed Crisis Intervention Team (CIT) training for 19 law enforcement officers from the …
USAGov’s Quick Guide to Voting in 2020
Election Day 2020 is just about six weeks away. With voter registration deadlines approaching soon, it’s time to make sure you’re ready. News and Events: Annual Summer Movies on the Lawn Series Announced Via http://www.dot-net-search.com/uncategorized/news-and-events-annual-summer-movies-on-the-lawn-series-announced/ Life Insurance Dispute Multiple BeneficiariesMultiple Beneficiaries Fighting Over A Life Insurance Policy? Disputing a life insurance payout when there was clearly a named beneficiary is difficult. However, that doesn't mean family members or others won't try to claim money that isn't rightfully theirs.
More Than One Beneficiary If there was more than one beneficiary named in a life insurance policy, the payout should be split according to the insured's decision. For example, sometimes each beneficiary is given half of the payout. In other circumstances, one beneficiary receives a certain percentage of the payout, and the other receives a different percentage. This could be ten percent and ninety percent, or literally any other combination that the insured designated.
Common Reasons Disputes Occur One of the most common reasons for disputes over life insurance beneficiaries occurs due to a lack of specificity. If the insured designated their beneficiaries as "their spouse and their children," this could end up being a problem. Are they each supposed to get an equal share? What if there are stepchildren? Are they entitled to a portion? This kind of general designation can lead to trouble, so it's a good idea to always be as clear as possible when designating a beneficiary.
Contesting A Life Insurance Beneficiary Successfully contesting a life insurance beneficiary is difficult. In order to make the attempt, a lawsuit must be filed, or the person disputing the beneficiary must file other legal documents with the probate court that is tasked with handling the decedent's estate. If the life insurance is contested, the insurance company will not pay out this money until there is a resolution. The named beneficiary and the person challenging the beneficiary will both be required to present evidence in court.
The Life Insurance Policy Overrides The Decedent's Will In almost all cases, the life insurance policy and the named beneficiary will override anything written in the decedent's will. Even if the decedent wrote in their will that they wanted both of their children to split everything equally, this wouldn't happen unless they named both of their children as the beneficiaries of their life insurance policy. In theory, the other sibling could sue the sibling who was the named beneficiary based on what was written in the will, but they are unlikely to be successful.
Generally, to successfully contest the beneficiary of a life insurance policy, at least one of the following criteria would need to be proven:
1. The deceased did not have the mental capacity to know what they were signing when they named a beneficiary 2. The beneficiary had a confidential relationship with the deceased. For example, a child was living with their parent, the insured. The parent was dependent on the child for food and shelter and was therefore very easily influenced by this person. If not for these influences and the confidential relationship, the insured would not have named this person their beneficiary. 3. The beneficiary limited the insured from having outside contact with other people, which influenced their decision regarding the beneficiary. Green Mountain Law Firm SEO 104 W Main St Suite 2 Bloomsburg, PA 17815 (570) 273-0898 Experts in generating exclusive leads that turn into quality cases for attorneys since 2010. https://www.greenmountainlawfirmseo.com/ Smoking and Life Insurance Claim DenialsLife Insurance Claim Denied – Smoking Since life insurance policies are typically far more expensive for smokers, people are often tempted to lie on their application about their smoking habits. This is never a good idea. Life insurance claims get denied often because an insured dies, and it is discovered that they lied on their application about their tobacco use. This occurs even if the cause of death had absolutely nothing to do with smoking. It’s important to note that in most cases, vaping – or using e-cigarettes – will classify you as a smoker for life insurance policies. This can vary from company to company, so it’s always a good idea to do your own research to find out.
Who Is Considered A Smoker? This varies from company to company. Many companies will consider you a non-smoker if you haven’t smoked within the last twelve months. However, some companies require that you are tobacco-free for the last five years in order to get non-smoking rates for a life insurance policy.
If You Lie About Tobacco Use, Claims Will Be Denied The most common reason an insurance company would deny the payout of life insurance related to tobacco use is if the insured lied about their tobacco use on the initial application.
Contestability Period If the insured dies within two years of purchasing life insurance, this is usually within the contestability period. During this period, the insurance companies will usually do whatever it takes to avoid paying out the benefit. If they can determine that the insured lied about anything on the application, especially their smoking habits, they will deny the claim.
Additionally, if the insured started smoking after purchasing a life insurance policy and passed away within the first two years, the insurance company will likely deny the claim if they find out. Technically, the insured should have notified the company that they started using tobacco.
What To Do If Insured Starts Smoking After Purchasing Policy As noted above, a life insurance claim could be denied if the insured starts smoking after they purchased life insurance. Keep in mind that being a smoker does not mean you can’t purchase life insurance. It generally just means it is going to be much more expensive. However, if the insured purchases a non-smoking life insurance policy and then passes away and the company finds out that the insured has been smoking, this will be a reason for them to deny the claim. This can happen even if the insured didn’t start smoking until after they purchased the policy. It can be difficult for the life insurance company to determine when the insured started smoking, so they’ll often deny the claim. If the beneficiary believes this is incorrect, they will have to appeal.
For this reason, if an insured is a non-smoker when they purchase the policy and then start smoking later, it’s a good idea to inform the insurance company of this change. While the monthly payments might increase, it gives the beneficiaries a much better chance of actually collecting the payment when the insured passes away. Green Mountain Law Firm SEO 104 W Main St Suite 2 Bloomsburg, PA 17815 (570) 273-0898 Serving all types of attorneys including but not limited to personal injury, life insurance, DUI, bankruptcy, family/divorce, immigration, maritime, nursing home, probate, real estate, business/tax, etc firms. Experts in generating exclusive leads that turn into quality cases for attorneys since 2010. Learn About Alcohol and Life Insurance DenialsWhy Would A Company Deny A Claim Based On Alcohol? Simply put, life insurance companies only make money if they don’t have to pay out claims. If they had to pay out a claim for every single person who actually purchased a life insurance policy, they would never be profitable. For this reason, companies are always searching for reasons to deny claims. Alcohol is an especially common reason that a company would deny a claim. Alcohol use and abuse can cause serious health problems, such as liver disease, cancer, strokes, and more. Additionally, alcohol intoxication can lead a person to engage in riskier activities, making an untimely death more likely. Without alcohol intoxication exclusions and other exceptions, companies would be required to pay out claims even when the death was directly related to alcohol use and could have been avoided.
The following is a list of common circumstances involving alcohol where life insurance policies deny claims:
Alcohol Intoxication Exclusion In a majority of states, life insurance companies are permitted to add exclusions related to alcohol use to policies. If the insured was intoxicated or drinking alcohol at the time of their death, even if the death was not directly related to their alcohol use, insurance companies who have an alcohol intoxication exclusion will likely deny the claim.
Misrepresentation on Initial Application Anytime you fill out a life insurance application, you will likely be asked questions about your alcohol use, including how often you drink, how much you drink, and any past or current treatment for alcoholism. If you lie on your application and say that you never drink or have never dealt with alcoholism, and you then pass away and alcohol is involved, the company will investigate. If they find out that you lied or omitted the truth, any claims will be denied.
Alcohol Caused The Death In a situation where an insured dies as a result of alcohol use, the company will deny the claim. Whether this is an accident that occurred because the insured was intoxicated, such as falling off of a roof, or the death was a direct result of alcohol poisoning, this will lead to a denial.
The Death Occurred During The Contestability Period Life insurance policies generally have a two-year period where the policy is contestable. This means if the insured passes away within those first two years, the company can contest the payout. When a death occurs during this period, the company will go through all information on the application, medical questionnaire, and any other documents provided as a way to find a reason to deny the claim. If the insured dies and it has absolutely nothing to do with alcohol, but the company finds that the insured lied about drinking alcohol on their application, they will use this in an attempt to deny the claim.
Death Occurred While Insured Was Doing Something Illegal Involving Alcohol If the insured was drinking and driving and got in a car accident that caused their death, the life insurance company will most certainly deny the claim if the insured’s blood alcohol content is above the legal limit. Even if it was close to the legal limit but not above, most companies would deny the claim anyway, and the beneficiary would have to file an appeal if they believe the claim was wrongfully denied. Green Mountain Law Firm SEO 104 W Main St Suite 2 Bloomsburg, PA 17815 (570) 273-0898 Serving all types of attorneys including but not limited to personal injury, life insurance, DUI, bankruptcy, family/divorce, immigration, maritime, nursing home, probate, real estate, business/tax, etc firms. Experts in generating exclusive leads that turn into quality cases for attorneys since 2010.
Recovery after Hurricane Florence
Hurricane Florence has brought heavy wind and rain to large parts of the East Coast. Stay informed on the latest warnings, advisories, and the path of Florence with bulletins from the National Weather Service.
Angelina Jolie victorious in legal custody battle with Brad Pitt
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This Valentine’s Day Help Someone Experiencing Abuse
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Employment Law Briefing – Ogletree Deakins
Employment Law Briefing. Date: October 21, 2021. Event Time: 8:30am – 11:15am. Event Timezone: Eastern Time Zone. Address: The Townsend … Recovery after Hurricane Florence Via http://www.dot-net-search.com/uncategorized/recovery-after-hurricane-florence/ Bill Barr and Jared Kushner both referred to the Trump campaign's legal efforts to overturn the8/24/2021
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Full federal appeals court to consider Missouri abortion law
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Finding reliable and official government information can be a challenge, especially if you don’t know where to start.
Why Indie Brands Are At War With Shein And Other Fast Fashion Companies
The fast-fashion giant is facing growing criticism from customers and independent designers, who say the brand has made it big by copying designs from small businesses. Bill Barr and Jared Kushner both referred to the Trump campaign's legal efforts to overturn the … Aviku Law Resources Via https://www.aviku.com/uncategorized/bill-barr-and-jared-kushner-both-referred-to-the-trump-campaigns-legal-efforts-to-overturn-the/
Peoria Public Schools Wraparound Center hosting free legal workshop on Saturday
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NFL Team's GC Move Highlights Trend of Legal Department Leaders Stepping Up
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Law Firm to host Back to School Supply Giveaway
On Friday, the Gaven Norris Law Firm, in partnership with the Bethlehem Baptist Church, will host its second annual back to school supply giveaway. Peoria Public Schools Wraparound Center hosting free legal workshop on Saturday Via http://www.dot-net-search.com/uncategorized/peoria-public-schools-wraparound-center-hosting-free-legal-workshop-on-saturday/
Union Springs revises marijuana law; hopes to avoid legal battle with Cayuga Nation
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Russian Legal Group With Navalny Link Disbands
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August 15 is the date the Open Carry With Training Law goes into effect in South Carolina. Hayes says not many business owners he has spoken to … Union Springs revises marijuana law; hopes to avoid legal battle with Cayuga Nation Via http://www.dot-net-search.com/uncategorized/union-springs-revises-marijuana-law-hopes-to-avoid-legal-battle-with-cayuga-nation/
Gibson Dunn's Flexible Work Policy Hands Autonomy to Attorneys
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Lawsuit Alleges Netflix Fired Lawyer Who Raised Alarm on Tax Front
In a very detailed 47-page complaint, Mehta's lawyers at McLaughlin & Stern also write, “Within the first month of her onboarding, Mehta was also …
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