Share List One of the scariest parts of filing a claim with your insurance adjuster is what happens when they don’t believe your side of the story. What if you were in a car accident for which you were not at fault — but the police have questions and your insurance adjuster has already decided that you lied? That’s where lawyers become important to the process. But it’s also not the scariest part of dealing with insurance agents. What happens when those insurance investigators know exactly who was at fault for the aforementioned accident — but blame you anyway? After all, they know the police ..read more

Share List There is no such thing as whistleblower insurance, although some businesses might prefer its existence. A whistleblower claim can mean one of two things. First, these can be the literal assertions made of criminal, unlawful, or immoral activities conducted at a business by an employee. Second, they can be a legal response to retaliatory moves made against a whistleblower (since retaliation is illegal). When we hear about whistleblower claims in civil court, it’s usually the second instance being considered. Employers respond to whistleblowing in a variety of ways. The best way is si ..read more

Share List There are two guiding theories about health and medicine. The first is the one we use in the United States: Convince most people to buy into private health insurance, which will pay the lion’s share of the costs in the event of a serious illness. The second is the one we don’t use (but many other developed countries do): Treat health like a human right, and use taxes to pay for medical treatment whenever someone becomes ill.  You probably already know that Democrats like Bernie Sanders favor the latter system. They prefer a “Medicare for all” system that they say would eventual ..read more

Share List Remember the first time you considered building your own business? It was probably an exciting moment. Did you imagine a hole-in-the-wall bar or diner? Or did you imagine an expansive retail empire? Whatever you imagined, the likelihood of achieving those goals depended entirely on your motivation, and, of course, that you made the right choices at the right time. Most people who start their own business are in it for the long haul — and they want that business to survive and thrive long after they die. Business succession planning is one of several ways to achieve that. The concept ..read more

Share List The insurance industry is considered absolutely necessary by most people (and especially by politicians). The fact is, most people realize that changing the very nature of how our country’s leaders approach human rights would reduce or eliminate the need for private insurance. That means insurance companies spend a lot of their time on defense, avoiding the image that their companies exist only to take advantage of people. Well, some of the weirder, more obscure insurance policies make it hard for them to do that. Take, for instance, alien abduction insurance. Are you worried about ..read more

Share List When we say “get the most out of your insurance” most people start thinking about how to save money on their health insurance policies. But that’s just one type of insurance. There are car insurance policies, homeowners insurance policies, renters insurance policies, etc. And it’s likely you’ll need more than one policy depending on your assets. So how do you reduce costs while getting the most out of your policies? It’s easier than you think! There’s one key trick to cutting costs and also getting the most from the policy in question: ask. Speak to your insurance provider (or a law ..read more

Share List Over $1 trillion was set aside by the U.S. government to help individuals, families and businesses who were struggling with the financial consequences of COVID-19. Somehow, at least $100 billion of that went missing along the way. This estimate was provided by the Secret Service, while the FTC contends that there have been over 400,000 scams related to the disease caused by the coronavirus pandemic. Now, people want answers about how this money could possibly have vanished into the ether. Secret Service pandemic fraud recovery coordinator Roy Dotson said that “the sheer size of the ..read more

Share List When was the last time you signed a contract? We do it often even without thinking. Consider, for example, each time you click “I agree” on a website’s terms of use. That’s a type of contract. Of course, it’s not the type of contract you will be sued for breaking. Chances are the website service will simply discontinue your ability to use it. Some contracts fall in the middle, such as one between a renter and landlord. Others are more serious, such as those signed in court or between businesses. What does a breach of contract really mean? Business contracts are written for one reaso ..read more

Share List Many workers have resisted vaccine mandates out of fear or stubbornness about the lack of freedom. These workers — and their opponents — wonder whether or not vaccination will change health insurance premiums. It probably won’t come as a surprise that many companies are punishing workers who decline free vaccines by forcing them to pay more for health insurance benefits. This push is meant to increase vaccination rates without attracting attention. For example, Delta Airlines said that unvaccinated employees will be charged an extra $200 a month for health insurance. This change sta ..read more

Share List Business insurance is normally purchased by a business owner in order to protect the business from specific losses. These might include natural disasters like earthquakes and floods. They might also include violence by an employee or customer. They might include protection for infestation. Any of these protections arise because the business loses profit when it is forced to close. Many business owners discovered that COVID-19 was not among those protections. Most plans did not cover losses that arose when the businesses were forced to close. Owners could still rely on government sub ..read more