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Injuries at Marinas and DocksMarinas and docks bring together moving boats, passengers, workers, equipment, fuel, electricity, and constantly changing water conditions. Even an ordinary walk from the shore to a vessel can become dangerous when a walkway is damaged, wet, poorly lit, or improperly… Read more
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Drowning Risks on the WaterDrowning is one of the most serious risks associated with boating and other maritime activities. A person can enter the water unexpectedly after a collision, sudden turn, large wake, equipment failure, or fall from the vessel.Other incidents may occur during swimming,… Read more
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Injuries on Charter Boat TripsCharter boats carry passengers on fishing trips, sightseeing tours, diving excursions, parties, and other recreational outings. Most trips end safely, but a mistake by the captain or crew can quickly place passengers in danger.A collision, slippery deck, poorly secured… Read more
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Employer-provided life insurance can look simple while someone is working: choose the coverage, name a beneficiary, and watch the premium come out of a paycheck.After the employee dies, however, the claim can expose a complicated system involving the employer, a plan administrator, an insurance… Read more
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You worked for it. You saved it. Maybe you skipped a vacation because the office was short-staffed, held onto days for an emergency, or simply never got around to using everything you had accumulated.Then your job ends, and suddenly those unused hours disappear.Whether your employer can do that… Read more
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Prioritize Everyone’s SafetyThe moments immediately following a boating accident can be confusing and frightening. Vessels may still be moving, passengers may be in the water, and damaged equipment can create additional dangers.Start by checking yourself and others for injuries. When possible, shut… Read more
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When a family loses someone to suicide, a life insurance denial can deepen an already devastating situation.Insurers may point to a suicide clause and tell the beneficiary that no death benefit is payable. In some cases, the policy exclusion does apply. In other cases, the insurer may have the… Read more
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Evidence of Insurability Can Be a Requirement for Additional CoverageMany employers offer group life insurance as part of an employee benefits package.Some basic coverage may be available automatically. But when an employee wants additional or supplemental life insurance, the plan may require… Read more
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A Policy Exclusion Can Change Whether Benefits Are PaidLife insurance is designed to provide financial protection after a policyholder dies. However, policies can contain exclusions that limit when the insurance company must pay benefits.When an insurer believes an exclusion applies, it may deny… Read more
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An Early Life Insurance Claim May Receive Extra ScrutinyWhen a life insurance claim is filed shortly after a policy takes effect, the insurance company may take a closer look at how the policy was obtained.This is because most life insurance policies contain a contestability period, typically… Read more
