Blog: Firm News
- Is Private Disability Insurance Necessary?
Jun 15, 2020
According to the Social Security Administration 2018 fact sheet, one in four of today’s young adults will become disabled before reaching the age of 67. Yet, only 20 percent of respondents surveyed by LIMRA, an association of financial services and insurance companies, stated that they carry disability insurance. According to TMA Insurance Trust, 90 percent of disabilities are caused by illness and the average long-term disability claim duration is 34.6 months. Many Americans obtain short...Read More - Public versus Private Slip and Fall Liability
Jun 8, 2020
Slip and fall cases fall under premises liability, an area of personal injury law. The success of a slip and fall case hinges on the notion of negligence on the part of the property owner. If you were injured in a slip and fall accident, the major legal hurdle of your case will be to prove that the property owner was negligent in meeting their legal obligation to ensuring that the property is safe and properly...Read More - AlpernSchubert P.C. 2020 Super Lawyers
May 27, 2020
AlpernSchubert P.C. is excited to announce that attorney, Richard J. Schubert, has been selected to this year’s 2020 Super Lawyers list. Richard was previously selected to Super Lawyers in 2005 to 2006, as well as each consecutive year since 2008. In 2018, Richard was also selected to the Top 50: 2018 Pittsburgh Super Lawyers list. The Super Lawyers selection process consists of a multi-phase process, which includes peer recognition, professional achievements, and independent research. Over...Read More - How Long Do I Have to Report My Work Injury?
Mar 16, 2020
The Pennsylvania Workers’ Compensation Act provides benefits for workers who are injured on the job, but in order to qualify for them, there are deadlines that must be met. Failure to report your injury within the time limit can mean losing your right to benefits. Reporting an Injury If you were injured on the job, you must let your employer, supervisor, or manager know within 21 days of the date of the accident. It is...Read More - What Evidence Do I Need to Sue My Health Insurance Company?
Mar 9, 2020
Sometimes, health insurance companies deny valid claims. Policyholders may appeal such adverse benefit determinations, first to the insurance company’s internal appeal board and then to an independent party for external review. Those who believe they received an unjustified denial may be able to sue their health insurance company in a bad faith lawsuit to recover damages. Common Reasons for Denial Policyholders must first file an appeal with their health insurance company, which will then conduct its...Read More - Common Workers’ Compensation Denials
Mar 2, 2020
Employees who are injured at work while performing the prescribed job duties are entitled to Workers’ Compensation benefits. Worker protection laws specifically require businesses to establish a system for these insurance benefits to provide a safeguard for employees in case a work accident leaves them unable to work. These benefits allow injured employees to collect monies to pay for medical bills associated with the injury, including those for ongoing treatments and therapies. Workers’ Compensation may also cover...Read More - What Should I Consider When Offered a Lump Sum Insurance Buyout?
Feb 28, 2020
It may be tempting to accept a lump sum disabilitybuyout or settlement; however, it may not always be the right choice. An insurance company is motivated to offer a lump sum settlement to save costs. Essentially, when the insurance company offers a buy-out, it is requesting that the policy-holder release the insurance company from any obligations it has under the policy to the insured. The settlement is a one-time payment to buy out the insured’s...Read More - Unnoticed Effects of a Car Accident
Feb 27, 2020
Serious car accidents can have life-altering consequences. Those effects can be in the form of physical injuries or emotional impact. When a motor vehicle accident leaves a person with severe emotional trauma, it can be difficult to prove. This becomes a problem when seeking compensation from the liable parties involved in the accident. Severe cases of psychological trauma can produce extreme symptoms that interfere with a person’s attempt to return to a normal life. Such...Read More - Why was My Permanent Disability Cancelled?
Feb 18, 2020
Suffering a work injury that causes a permanent disability is a traumatic and life-changing experience, so finding out that your long term permanent disability benefits have been cancelled can come as a second shock. Unfortunately, there are many different reasons why insurance companies cut off these monthly payments. To maintain your benefits for as long as you need them, it is important to be aware of what can happen. Know Your Policy Limits Be sure to...Read More - What are the Types of Compensation Recovered in a Bad Faith Claim?
Feb 17, 2020
If a flood or fire damaged your home, first you must contend with the physical damage to your property. You must also salvage your belongings, prevent further damage, find another place to live, and pay for the repairs that could take weeks or months to complete. Anyone who has experienced this type of catastrophe knows how traumatic it can be. To resolve these unexpected and unwelcome events quickly and efficiently, many purchase home insurance and...Read More