Insurance

Whether you’re buying or renewing insurance – be wary!

Don’t be intimidated by complicated language. Ask all questions you need to thoroughly understand your policy. If your policy is just incomprehensible, ask your agent to suggest a “plain language” policy.

Legally, any renewal is considered a new contract. Don’t assume you are getting same coverage! Read renewal policy carefully. Ask your agent to confirm in writing whether there are any changes in renewed policy, and, if so, then what are they so that you are not surprised after a loss.

If a claim is filed against you, immediately notify your insurance company and agent by certified letter, even if you don’t think you’re covered. This is your responsibility. Failure to notify your insurer of an insurance claim is a cause for non-payment of your claim.

If your insurance company or broker denies claim coverage, contact an attorney. Don’t try to negotiate on your own. It is our experience that insurance companies deny responsibility too frequently. An initial denial of your claim my simply be a negotiating tactic.

If you have a dispute with your insurance company, consult your policy to find out how much time you have to start a lawsuit and contact an attorney well before that time expires.

Remember, money you spend now for legal fees to prevent future problems is a drop in bucket compared to fees you will pay in future litigation. If you use your attorney wisely, it could be one of best investments you make.

SOCIAL SECURITY SURVIVORS BENEFITS

In Social Security Survivors’ Benefits, this is where accumulated credits are applied. For members who have accrued enough credits during their working years his or her family members are eligible for Social Security Survivors’ Benefits.

The eligible family members include widows and widowers ages 62 and older, disabled widows or widowers ages 50 and up, widows and widowers caring for a child under 16 years of age and who is receiving Social Security Benefits, unmarried children under age of 18 or under age 19 either a full time elementary student or secondary school, or age 18 or older but is severely disabled and lastly parents who are dependent entirely or not upon social security member will also receive social security benefits.

In addition, Social Security also provides survivor benefits for divorced widows and widowers after death of their ex-spouse who is a social security member. The benefit given to them will be based upon Social Security account of deceased member.

For suggestions and comments kindly visit Social Security Attorney