Everyone doesn’t want to be involved in any kind of accident. However, sometimes there’s nothing you can do to prevent them from happening. In Massachusetts, thousands face the unexpected every year. In fact, for every 100,000 residents of the state, injuries result in an annual 10,915 emergency room visits, 915 hospital admissions, and 43 deaths.
On the job work accidents are never expected. When they do happen, they instantly change the life of the person who is injured. The injured individual may be facing a long recovery, expense of medical bills, loss of employment, or other life-changing disabilities. In the state of Massachusetts, workers may be entitled to compensation as a result of an on-the-job … Read More
Getting injured while working is not something that anyone can predict or prepare for well in advance. At most, what employers can do is make sure that the employees are covered by a Workers’ Compensation insurance.
Imagine a system of law in which insurance adjusters are called “plan administrators;” insurance policies are called “plans;” and an insurer’s claim file is called “an administrative record.” Imagine a hybrid system of trust and contract law in which an insurer responsible for paying valid claims is designated a “fiduciary” with respect to its own assets, payable to policyholders who … Read More
Health care law changed dramatically with the enactment of the Affordable Care Act. The new law creates shared responsibility among individuals, employers, insurers and the government in an effort to ensure that all Americans have health insurance. Under the ACA, companies with 50 or more employees are “applicable large employers” and must either provide health care coverage or pay penalties. … Read More
Preexisting condition exclusion provisions in group short and long term disability plans are quite different from preexisting conditions as we typically understand them. Those with potentially disabling conditions may still be able to secure their income through disability insurance, depending on the preexisting condition exclusion contained in the plan. Here is a typical preexisting condition exclusion as it appears in … Read More
Many of the leading disability insurance companies have engaged in systematic strategies to deny valid applications (“claims”) by policyholders for disability benefits.1 Aided by a federal law known as ERISA, (Employee Retirement Income Security Act of 1974), they have been given procedural advantages and have means at their disposal to intimidate and oppress even the most well-informed “claimants” seeking ERISA … Read More