Practice Areas
Life and Health Insurance
Life and health insurance policies are contracts regulated by the state and insure against sickness, bodily injury, or death. Life and health contracts including group plans and managed care plans and vary widely in the amount and type of benefits provided.
Life and health insurance group plans are frequently offered as an employee benefit. Individual insurance plans may also be purchased. Life insurance protects the family, dependants, or survivors of the insured and provides a measure of financial security after his or her death. Health insurance is insurance against loss by sickness or bodily injury. Health insurance helps cover health care expenses, including doctor visits, tests, admission into hospitals, surgeries and other medical treatments.
Such policies can be very complicated and difficult to decipher, so if there is a dispute as to coverage, contact an experienced insurance attorney to help you navigate through the policy terms and claims process.
Over the years our lawyers have been very involved in individual and class action cases against the heath insurance industry including HMO’s. Unfortunately, many of these companies feel that not paying a claim or charging an insured too much money for a policy is the right way to treat people. Zebersky & Payne, LLP disagrees and has been involved in many cases were we hold the companies feet to the fire and force those companies to pay claims and in some instances even to rebate premiums.
