Insurance Claim Dispute - FAQ's

Q. I have recently been laid-off from a job that I have had for the past five years. Will I be able to receive Unemployment Insurance benefits?

A. The Unemployment Insurance Program, commonly referred to as UI, provides weekly unemployment insurance payments for workers who lose their job through no fault of their own. Eligibility for benefits requires that you be able to work, be seeking work, and be willing to accept a suitable job.

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Q. If I obtain health insurance will my pre-existing conditions be excluded?

A. Under federal HIPAA law, the maximum preexisting condition exclusion period that an employer sponsored group health plan can apply to an individual is 12 months, beginning on the individual's enrollment date in the plan.

Q. My car has been totaled. The company has made payment, but the amount paid will not cover what I still owe the financial institution. What should I do?

A. Insurance companies are obligated to pay in accordance with their policy provisions, which is usually the actual cash value of the vehicle at the time of the loss. This amount does not always cover the loan balance because you may owe more than the vehicle is actually worth. The borrower of the loan is responsible for paying the difference to the financial institution.

Q. What can I do as a business owner or a self-employed individual to protect myself against loss of income if I become ill or disabled?

A. The Disability Insurance Elective Coverage program, administered by the Employment Development Department, offers business owners and self-employed individuals the opportunity to protect themselves against loss of income due to injury, pregnancy or illness, whether or not it is work related.

Q. What is homeowners insurance?

A. A contractual agreement between an insurance exchange for a premium, provides financial or renting a residence, and its contents.

Are you involved in an insurance claim dispute? If so, Contact Christopher Trainor & Associates insurance claim dispute lawyer