Accidental Death

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Ensure future financial security with life and accidental death insurance policies

Life insurance policies can provide future financial stability in the event of accidental death or dismemberment. A conversation about life or accidental death and dismemberment insurance may seem grim, but having the right insurance policies to provide financial security in the event of unforeseen and premature death is an essential part of any financial plan. […]

Is death resulting from autoerotic asphyxiation a self-inflicted injury?

Is death resulting from autoerotic asphyxiation gone wrong an accident or is coverage under an accidental death insurance policy precluded by the policy’s “self-inflicted injury” exclusion. A recent appellate court ruling overturned a lower court’s determination that the language of the exclusion is ambiguous and therefore had to be resolved in favor of the insured […]

Amputation cause is case law worth reading

Accidental death and dismemberment insurance frequently present fascinating issues, as illustrated by a recent ruling from the 9th U.S. Circuit Court of Appeals. In Dowdy v. Metropolitan Life Insurance Co., 2018 WL 2223722 (9th Cir. May 16, 2018). Tommy Dowdy required a below-the-knee amputation following injuries suffered in a car collision. Although such an amputation […]

Medical complications and accidental death insurance

DeBofsky Sherman Casciari Reynolds P.C. recently won an important accidental death insurance case in the U.S. Court of Appeals – Prather v. Sun Life and Health Insurance Company, 2016 WL 7232144 (7th Cir. December 13, 2016) – /Cases/Prather-v-Sun-Life.pdf.   The case was brought on behalf of Lee Ann Prather, the widow of Jeremy Prather, who died […]

What does accidental death and dismemberment (AD&D) insurance cover?

Most working people buy life insurance for their family’s financial protection in the event of untimely death.  And many employee benefit plans that offer life insurance also provide  death and dismemberment (AD&D) insurance, which provides added protection in the event death or loss of limb occurs in an “accident,” which the seminal appellate ruling in […]