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 […]
Since the publication in 1943 of James M. Cain’s noir classic, “Double Indemnity,” there has been a public fascination with accidental death insurance. Surprisingly, even when a sudden and unexpected death occurs other than as a result of a heart attack or other clear-cut medical condition, the issue of whether the death was accidental or […]
Mark D. DeBofsky is a name partner of DeBofsky Sherman Casciari Reynolds P.C. — on the web at debofsky.com. He handles civil and appellate litigation involving employee benefits, disability insurance and other insurance claims and coverage issues. He can be reached at [email protected] Causation is always a key issue in accidental death insurance claims as a recent […]
According to the Centers for Disease Control and Prevention, accidents are the fifth leading cause of death in the United States. Will your loved ones be financially protected should you succumb to an untimely death due to an accident? Accidental death and dismemberment insurance (AD&D) may be purchased in addition to traditional life insurance or offered by […]
What is a crime? Because accidental death policies exclude coverage if death occurs in the course of a commission of a crime, the question can be challenging as a recent decision by the 10th U.S. Circuit Court of Appeals illustrates. The ruling in Caldwell v Unum Life Insurance Company of America, 2019 WL 4463495 (10th […]