Know Your Rights – Long Term Care Insurance

Many people have long term care insurance, especially when they get older, because the cost of prolonged individual care due to an injury or illness can be significant.  For that reason, Long Term Care insurance is often part of people's estate plan. Long Term Care insurance can be subject to problems because the premiums get …

Continue reading Know Your Rights – Long Term Care Insurance

Can the Insurance Company Retroactively Deny Your Claim On A New Basis After You File A Lawsuit?

Let's say you make an insurance claim, and the insurance company denies the claim for reason A.  You think they're wrong, so you take them to court and argue reason A is invalid and the company should have paid your claim.  In response, the insurance company admits reason A didn't apply but now argues your …

Continue reading Can the Insurance Company Retroactively Deny Your Claim On A New Basis After You File A Lawsuit?

Do I Have To Cooperate With My Insurer After A Loss?

Imagine your house catches fire and you make a claim for coverage under your homeowner's insurance policy.  After a few weeks, the insurer denies the claim.  They don't dispute the fire happened.  But they say they don't have to cover the damage because you didn't cooperate with their investigation.  They claim you should have sent …

Continue reading Do I Have To Cooperate With My Insurer After A Loss?

Know Your Rights Under Washington’s Patient Bill of Rights

Health insurance policyholders are guaranteed specific rights under Washington State's Patient Bill of Rights.  The law's purpose is to guarantee health insurance policyholders have access to quality health care.  If you find yourself in a dispute with your health insurance carrier, knowing these rights may help. Policyholders Have The Right To Know About Their Coverage.  …

Continue reading Know Your Rights Under Washington’s Patient Bill of Rights