How to Make Insurance Companies Pay Your Claims


Book Description

Step-by-step guidance in making a claim and collecting from the insurance companies that refuse to pay legitimate claims.




Delay, Deny, Defend


Book Description

An expose of insurance injustice and a plan for consumers and lawmakers to fight it Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation. Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.







Medical and Dental Expenses


Book Description







Care Without Coverage


Book Description

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.




Counseling Unmarried Couples


Book Description

"Counseling Unmarried Couples will give you the tools you need to serve the legal needs of this growing segment of society. It's not just about knowing the legal rules and writing competent agreements; as a lawyer working for unmarried couples, you will need to know how to integrate and interpret the legal rules for your clients in a realistic, comprehensible, and meaningful manner. Only by doing so can you effectively guide your clients, straight and gay, in making wise decision about their homes, their children, and their assets. The fourteen chapters discuss everything that an unmarried couple is likely to encounter, including: living apart, living together, and the option of marriage; financial assets, debts, and insurance; tax consequences, liabilities, and benefits; real estate ownership and management; cohabitation and financial agreements; the rules and practices of parentage; illness and disability planning; estate planning concerns and practices; breaking up: substantive doctrines and procedural tasks. The second edition also features completely new and updated sections covering federal recognition of same-sex marriage, the DOMA ruling, and California's Proposition 8, as well as an entirely revised state law chart. Included is a CD-ROM containing all the documents you'll need to represent these couples, from co-ownership agreements to co-parenting adoptions to sample wills"--Unedited summary from book cover.




Insurance Claims in New Zealand


Book Description

"Insurance claims are the reason for the existence of the insurance industry. In this comprehensive work, authors Paul Michalik and Chris Boys put claims at the heart of their analysis of insurance law in New Zealand. Insurance Claims in New Zealand is a rigorous and complete presentation of the law relating to how insurance claims are made and assessed in New Zealand. The authors examine issues arising at every level in the process -- from determining the validity of the policy and resolving issues of coverage and exclusion, to assessing the quantum of the loss or damage to be paid. Since 2015, when the first edition was published, there have been a number of developments in Insurance law: the concept of post claim good faith has developed; a number of outstanding unresolved issues have received judicial attention, including the assignment of claims rights, and the fraudulent claims rule; the issue of insurers' liability for defective repairs has been resolved; the Earthquake Commission/Toka Tū Ake's empowering legislation has been substantially overhauled; the Canterbury Earthquake Insurance Tribunal was established; and the Government has begun the work of meaningful insurance law reform"--Publisher information.




Markup & Profit


Book Description

In order to succeed in a construction business you have to be able to mark up the price of your jobs to cover overhead expenses and make a decent profit. The problem is how much to mark it up. You don't want to lose jobs because you charge too much, and you don't want to work for free because you've charged too little. If you know how much to mark up you can apply it to your job costs and arrive at the right sales price for your work. This book gives you the background and the calculations necessary to easily figure the markup that is right for your business. Includes a CD-ROM with forms and checklists for your use.




Financial Peace


Book Description

Dave Ramsey explains those scriptural guidelines for handling money.