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Can I Sue the Government for Car Damages?

Sovereign immunity protects government entities from liability very well. Lawsuits against any kind of government entity, especially a lawsuit like this one, typically fail, and there are few to no ex...

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What does group life insurance cover?

Group life insurance covers the lives of multiple persons such as some or all employees of a business, members of a labor union, or members of an association. Depending on the group life insurance pol...

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What is a reservation of rights letter?

Most people purchase home, automobile, or some other type of liability insurance in the belief that if they are ever sued, the insurance company will represent them and pay on the claim, if needed. U...

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How Do Insurance Companies Handle Natural Disasters?

Whether or not natural disasters (or what are sometimes referred to as "acts of God") are covered by insurance and the extent of coverage offered depends on the insurance company, the policy purchased...

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The Unum Group: Disability Insurance Gone Bad

The Unum Group is one of America's largest insurers in the disability market. However, bigger is not necessarily better. Unum has a long history of denying and delaying valid disability claims and w...

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Long Term Disability & ERISA: What You Need To Know

What is long term disability and how does it interact with ERISA (the Employee Retirement Income Security Act)? To find out, we asked Ron Dean, a California attorney who has been engaged in employee ...

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ERISA: How It Affects Employees and Employers

ERISA, the Employee Retirement Income Security Act, affects employees and employers in many ways – some of them good, some of them bad. We asked Ron Dean, a California attorney who has been engaged...

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The ERISA Claims Process: What You Need To Know

Filing a claim under ERISA, the Employee Retirement Income Security Act, can be quite complex. We asked Ron Dean, a California attorney who has been engaged in employee benefits litigation primarily ...