Mansell, Engel & Cole

Oklahoma City Insurance Law Blog

Managing your parent's long-term care claim

As your mom or dad ages, you may be noticing signs of a decline in health. You may have expected this if conditions such as Alzheimer's run in your family or if your loved one has already received a diagnosis of a degenerative or debilitating disease. If you and your parent investigated the benefits of long-term care insurance, you may feel relieved to have that policy in place as your loved one's needs change.

Most people in Oklahoma who have dealt with LTC coverage may attest to the complexity of the claims process and the excessive wait for obtaining the funds needed for adequate care. To avoid such complications, elder-care advisors recommend beginning the process as early as possible to ensure proper coverage for the services your loved one requires.

Speed over accuracy: probe focuses on VA claim denials

"[P]ick-n-click and get them moving."

Sadly, that description relates to what a health care claims processor with the U.S. Department of Veterans Affairs says has long been the process by which he and fellow employees have evaluated disabled veterans' medical claims following received care.

Does plaintiff need to prove insurer's ill will in bad-faith claim?

Our blog entry today focuses upon an important proof threshold relevant to a bad-faith claim brought by an injured plaintiff denied coverage under an insurance policy.

Before getting into the details below, our experienced policyholders' rights attorneys at the proven Oklahoma insurance law firm of Mansell, Engel & Cole necessarily drive home one essential point for our readers in Oklahoma City, across the state and in surrounding jurisdictions.

Insurers challenged for denial of cancer treatments

Proton radiation therapy for select cancer diagnoses has yielded strongly positive outcomes for cancer patients.

On the other hand, it has incurred comparatively higher costs for insurance companies in some instances, as well.

Denied coverage? Talk with an attorney

When you agree with an insurance company so that your car is covered, or so your life is backed up by insurance, or so that your home is protected in case of a terrible natural disaster or unexpected event, you will understandably expect your insurer to make good on their promise to cover you, your loved ones, and your possessions. However, this isn't always the way it goes. Sometimes your insurer will use obscure provisions in a policy to deny you what you deserve, or use outright bad faith tactics to deceive clients so that they can mitigate their liability.

Bad faith insurance is a scourge on the entire system, and no one should ever just sit idly by and allow it to continue. If you insurance claim is denied or if you think that your insurer failed to properly investigate your case, defend your interests, and settle the claim responsibly, then you should hold them accountable.

A frightening insurance-related tale for Oklahomans

Just how proactive is an Oklahoma resident supposed to be in seeking to forge a contractual relationship with an insurance company? Is there a limit to how cautious and diligent such an individual must be when doing research and vetting prospective agents?

Most people are quite responsible in their search to secure the insurance coverage they need. They read relevant material, they talk with more than one agent and they make reasonable efforts to understand policy language before they affix their signatures.

It happens: when insurers rescind policies for improper reasons

Imagine a situation where a claim made under a life or disability insurance policy is denied because a policyholder allegedly lied in the policy application regarding a health-related matter.

Unsurprisingly, that happens all the time in Oklahoma and across the country (in fact, with numbing regularity), with insurers disputing a claim for payment by responding that a response to a health inquiry was materially misleading in the application or, alternatively, not mentioned at all when it needed to bet set forth in detail.

Life insurance claim denials are rare but devastating

Death is something everyone must face but few like to think about. It is difficult to let your mind go to the possibilities that might end your life or the circumstances that might take you from your loved ones. However, if your spouse cared enough to consider these things and prepared for that moment by purchasing a life insurance policy to protect you, you may have felt comforted that, at the very least, your financial needs would be met during a difficult time.

Unfortunately, that difficult time came all too soon, and you were likely grateful to your spouse for providing you with such security. What a shock it must have been when the insurance company denied your claim and refused to pay the benefits of the policy.

Warning: having insurance no panacea for persons needing it most

"[A]rranging deck chairs on the Titanic."

That is how one poll expert and political consultant commenting on America's health care system in a recent article terms the country's reform efforts when they don't adequately address care accessibility for covered individuals and families.

Judge employs a single word re insurer's conduct: audacious

No ambiguity attaches to a judge's ruling in a recent legal dispute involving mega insurer State Farm.

In fact, venom fairly leaps from the pen of Pennsylvania judge Frederica Massiah-Jackson in her ruling denying that company's motion to stop pending litigation against it.

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