Denials for Experimental or Investigational Medical Services

A common reason health care claims are denied is that the service is experimental or investigational. Each health insurance policy defines “experimental” differently, but basically the health insurer is saying hat the treatment is not pro… Read More
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Class Action ERISA case against UnitedHealth Group

Medical insurance plans and policies only cover health care that is “medically necessary”. Different plans define “medically necessary” in different ways, and health insurance companies often have to come up with some internal… Read More
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Categories: Uncategorized

What is a Life Waiver of Premium benefit?

A “Life Waiver of Premium” benefit – also called an “LWOP” benefit- is a provision that is commonly included in life insurance policies which waives the premiums normally required to maintain life insurance coverage for… Read More
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NY Times Article: Spouse's Consent is Required to Change Retirement Account Beneficiary

This article in the New York Times addresses the requirement that a spouse be informed of a change in beneficiary and consent to that change: “WHY does a married person who has certain kinds of retirement accounts have to get his or her spouse… Read More
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Categories: Uncategorized

Kate and Sarah honored as Volunteer Attorneys of the Year by Cancer Legal Line

Kate and I are proud to be honored by the Cancer Legal Line as Volunteer Attorneys of the Year. The Cancer Legal Line does a wonderful job providing legal advice to cancer patients, survivors, and their families. Check our Cancer Legal Line here. Read More
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Kate presenting - "Effect of New Administration"

Kate is presenting today on a webcast for Minnesota CLE on the “Effect of the New Administration” specifically on the U.S. Supreme Court. Catch it here if you missed it! Read More
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6 Minnesota Probate Mistakes Personal Representatives Make

The Personal Representative of an estate, sometimes called an executor, is in charge of administrating the deceased’s estate. Probate, also known as Estate Administration, includes collecting and inventorying the assets, paying valid debts, filing… Read More
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Federal and Minnesota Estate and Gift Tax

Estate planning basically amounts to a way to give gifts at the time of your death. When you hear about the possibility of estate tax, you may wonder if it is possible to give the gifts while you are still alive and avoid estate taxes. This strategy… Read More
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Categories: Estate Planning

Federal Estate and Gift Taxes

Estate planning basically amounts to a way to give gifts at the time of your death. When you hear about the possibility of estate tax, you may wonder if it is possible to give the gifts while you are still alive and avoid estate taxes. This strategy… Read More
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Categories: Uncategorized

Assumptions, Calculations, and Formulas: Are My Benefit Payments Being Calculated Correctly?

The letter finally arrived from the insurance company letting you know you will begin receiving monthly disability benefit payments. A week or so later, a check arrives in the mail. The check is in an amount less than your normal paycheck. You knew d… Read More
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