Preventative Lawyering

Written by E. Elizabeth Sweetser

Continued from page 1


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

Don’t be intimidated by complicated language. Ask allrepparttar 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 gettingrepparttar 150309 same coverage! Readrepparttar 150310 renewal policy carefully. Ask your agent to confirm in writing whether there are any changes inrepparttar 150311 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,repparttar 150312 money you spend now for legal fees to prevent future problems is a drop inrepparttar 150313 bucket compared torepparttar 150314 fees you will pay in future litigation. If you use your attorney wisely, it could be one ofrepparttar 150315 best investments you make.

Betsy Sweetser is a partner in complex non-personal injury civil litigation and appellate work with the law firm Pellettieri, Rabstein and Altman at 100 Nassau Park Blvd., Princeton, NJ. Phone: 609-520-0900;


Written by Jinky C. Mesias

Continued from page 1


Inrepparttar 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 underrepparttar 150158 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 uponrepparttar 150159 social security member will also receive social security benefits.

In addition,repparttar 150160 Social Security also provides survivor benefits for divorced widows and widowers afterrepparttar 150161 death of their ex-spouse who is a social security member. The benefit given to them will be based uponrepparttar 150162 Social Security account ofrepparttar 150163 deceased member.

For suggestions and comments kindly visit Social Security Attorney

Jinky C. Mesias is a graduate of Bachelor of Arts and Sciences in Business Administration Major in Business Management. She is at present an Associate Manager of a Life Insurance Corporation and a freelance writer.

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