Accidental Death

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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 […]

Is a death due to a pulmonary embolism suffered on account of airplane travel “accidental”?

That question was answered in the affirmative in Yasko v. Reliance Standard Life Ins.Co., 2014 U.S.Dist.LEXIS 88469 (N.D.Ill. June 30, 2014), a case involving accidental death insurance that was litigated by DeBofsky, Sherman & Casciari.  See, /DeBofsky-Associates-Receives-Favorable-Ruling-in-Accidental-Death-Insurance-Case.shtml.  Alan Yasko, a physician, died of a pulmonary embolism shortly after flying from Chicago to a medical conference […]

Can a law banning discretionary clauses apply to an event occurring prior to the legislative enactment?

In Cerone v. Reliance Standard Life Ins.Co., 2014 U.S.Dist.LEXIS 46529 (S.D.Cal. March 28, 2014), after the plaintiff’s accidental death claim based on the death of her husband was denied and her appeal exhausted, Debra Cerone filed suit against Reliance Standard Life Insurance Company. The issue decided in this opinion was whether the de novo or abuse of discretion standard of review applied.

Papotto v. Hartford Life & Acc.Ins.Co., 2013 U.S.App.LEXIS 19660

Papotto v. Hartford Life & Acc.Ins.Co., 2013 U.S.App.LEXIS 19660 (3d Cir. September 26, 2013) is a significant recently issued case involving ERISA civil procedure. The underlying issue in this case dealt with an accidental death and dismemberment insurance policy. The policy excluded losses “sustained while Intoxicated.” Because the decedent had consumed alcohol prior to his […]