Proximate causation is a key issue in tort litigation, but it is also an important issue in accidental death insurance claims, as shown by a recent ruling from a federal court in Texas. […]
There is no provision in the Employee Retirement Income Security Act of 1974 mandating that claimants must exhaust internal appeals as a precondition to filing a lawsuit to challenge a claim denial. Nonetheless, most courts have required claimants to exhaust prelitigation appeals before their cases may be heard in court. […]
What is an accident? When it comes to accidental death insurance, that question is often difficult to answer. However, the U.S. Court of Appeals for the Ninth Circuit offered its thoughts on the question in Wolf v. Life Insurance Co. of North America […]
Covid-19 has not just raised a host of medical challenges for the medical profession. In addition to public health questions that have resulted from doctors being faced with a novel virus that has behaved differently from other diseases encountered by medical science, Covid has also raised several questions about various kinds of insurance […]
Accidental death insurance, also known as accidental death & dismemberment (AD&D) insurance, is a type of insurance that supplements basic life insurance coverage. AD&D insurance pays benefits in addition to life insurance if the insured dies as a result of an accident or suffers a catastrophic injury that results in limb amputation or loss of […]
What is an accidental death? Accidental death insurance is a form of life insurance that pays an indemnity in the event of an “accident” while life insurance is payable merely on account of the death of the insured. Oddly, most accidental death insurance policies do not include a definition of what is meant by an […]