A loved one has past away and you make the call to the life insurance policy company, you expect that they will send you a check very quick, then you learn they are investigating your loved ones death to see if the policy is going to be denied, or if they are going to deny your double indemnity portion of the life insurance policy, (double indemnity usually means your loved one has perished by accidental means, and most policies then pay under that portion of the policy, as well as the standard payment for death). There has been much litigation over the years as to what or if the death in many policies was accidental, and or natural, and whether or not the death was suicide.

I am often asked, will it matter where I got my life insurance policy from? The answer is yes, most people purchase a policy through their employer, this is usually referred to as an ERISA policy, (employment retirement income security act). When you have an ERISA policy you then fall under Federal Law, this can have some very important consequences in regards to receiving double indemnity from the policy, there are areas in which state law differs from ERISA law, in regards to life insurance and making a claim for it. I have been involved in an issue where Federal Law differed from state law, and we were successful in recovering the full life insurance policy limit for my client.

There has also been some new language written into non-ERISA life insurance policies where you the individual bought it on your own, and not through work. Unfortunately most people do not understand the fine language of a life insurance policy until it is time to make a claim on it.  There are many reasons an insurance company can deny a life insurance policy and or deny double indemnity.

Should you find that in your time of the need a life insurance policy has been denied, please give us a call at the toll free number (877) 271-2633 or local at (615) 308-2633. We would be pleased to speak with you, and there is no obligation for phoning us. There is never a fee unless we are able to collect for you on the policy.

www.nashvillepersonalinjuryattorneyinfo.com

Daniel L. McMurtry, Esq.

You or a loved one has been burned severely in an explosion or fire, on top of the large medical bills and dealing with insurance you realize there is little to no money coming into the family for day to day living, and you realize you will never work again, Is there hope? Absolutely, I have represented burn clients in the past and continue to do so, I have found through  representation that burn clients have far more health problems than most people would assume, besides the difficult and painful surgeries and recovery from burns, there are generally far more health problems that must be presented in your case.

The first such additional condition that most people do not think about is breathing, many of my burn clients have had to go on supplied oxygen to help with their breathing. In an explosion, sometimes the flames are quiet literally burning the lungs through the windpipe, once the lungs are scared it can be difficult, if not impossible to breath without the use of  oxygen. Many clients involved with burns suffer permanent scarring of the lungs. As one might think, many employers simply will not allow you to work at their place of business, if you require the assistance of an oxygen tank.

The second problem is how the environment affects the burned areas of your body. Many people do not realize that many burned areas of the body once repaired, do not contain sweat glands, thus the client applying for disability cannot sweat, and must avoid heat and direct sunlight, this severely impairs the chances of being employed, and may eliminate any and all chances of employment. Likewise cold weather can affect a burn client’s skin as well, many if not all burn clients of mine must avoid cold weather as well as hot weather.

The third element that arises in burn cases is the scarring and mental aspects that many people suffer as a result. While the scares are visible, the mental aspects are not so visible, however this can be shown by a doctors observation of you or your loved one or family member. A medical professional can evaluate your mental condition as it relates to your disability.

If you need assistance with your personal injury case involving severe burns,  please feel free to give the law office a call at 1 (877) 271-2633 or call local at (615) 308-2633.

www.nashvillepersonalinjuryattorneyinfo.com

Daniel L. McMurtry, Esq.

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© 2009 Daniel L McMurtry Esq.