If you have a life insurance policy, you may think that your beneficiaries are guaranteed to receive the death benefit when you die. However, this is not always the case. There are some legal reasons why your life insurance company can deny your Oklahoma City,...
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Insurance
Can insurance companies deny long-term care insurance?
If you have a long-term care insurance policy and you need to use it, you may expect your insurance company to pay for your care without any hassle. However, some Oklahoma insurance companies may deny your claim or delay your payments for various reasons. This can be...
Can my health insurance deny needed medical care?
Insurance companies have a legal obligation to act in good faith when dealing with their policyholders. This means that they must treat their customers fairly and honestly, and not try to avoid paying valid claims or delay the process unnecessarily. However, sometimes...
Disability insurance claim denials in Oklahoma
You’ve worked hard so that you can be protected by a disability insurance policy. And in the unfortunate event that you do suffer from a disabling condition, you might breathe a sigh of relief knowing that you have protection. But as you navigate the claims process,...
What you need to know about your tornado insurance claim
Spring is here, and with it comes tornado season, which typically runs from April through June. This is especially problematic for Oklahoma residents who live in tornado alley, meaning that they’re at greater risk of being struck by one of these dangerous weather...
Does my policy cover my home if it is vandalized?
Vandalism is a malicious act that damages or destroys someone else’s property. It can be costly and stressful for homeowners, especially if they are not sure whether their insurance policy will cover the damage to their home. What is vandalism? Vandalism is defined as...
Why do insurance companies deny commercial insurance claims?
Owning commercial property in Oklahoma is similar to owning residential property, but there are important differences. Due to these differences, commercial insurance policies are different from residential insurance policies. However, the claims process for both is...
How do I prepare for a tornado?
It may surprise our readers, but the United States has more tornadoes every year than any other country in the world. At 1,200 a year, we are the tornado capital of the world, and the vast majority of those tornadoes occur in “tornado alley,” which includes midwestern...
What are the basics of long-term care insurance?
Two well-established truths provide the foundation for long-term care insurance (LTCI). First, health concerns naturally increase and develop with age. Second, insurance provides various financial protection for that which a policyholder values. Moreover,...
Bad faith practices in health insurance
When Oklahomans contract with a health insurance company, we expect them to be there for us when we need them. If we do not have our health, we do not have anything. But, what shocks many is that some health insurance companies act in bad faith or with unfair claims...