If you have a disability claim, you don’t want to walk around telling people that you’re retiring. That kind of phrase will come back to haunt you. The insurance company will dig it up and use it against you. You need to be careful with the way you interact with your physician. When you tell...
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You thought you had insurance coverage and filed a claim, and instead of them paying your claim, what you got back was a check. In your most desperate hours, when you needed them the most, the insurance company has just refunded your premiums. Stop before you cash it. The reason is simple. If you cash...
Preemption is a legal term that essentially says goodbye to state law when it comes to ERISA. Unless state law is specific to insurance products, ERISA applies to your case. Forget about bad faith laws in your state. Forget about jury trials. ERISA applies. The preemption of federal law over state law is ERISA. That...
A lot of people have heard the cost of a lawyer being described as a contingency fee. That’s when the lawyer only gets paid if they recover on your behalf. Some people actually prefer to hire a lawyer by the hour. If that’s your preference, that’s also available here at Sinclair Law Firm. We have...