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“Brent was knowledgeable, thoughtful and had a strategic approach. I will never be able to properly thank Brent enough for helping me reach a positive outcome. Brent was efficient with his time and strategy, unbelievably empathetic and re-assuring. Thank you to Brent....I am forever grateful.”
Welcome to Dorian Law’s blog page. This is where we write about useful tips, emerging trends, and provide thoughtful insights regarding LTD, Life, and AD&D Insurance benefits. Search for something you are interested in or check out a topic from the list below. Whatever brought you here, I hope we can make a difference.
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- Case Review Corner
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What Is an Accidental Death? A Dive into AD&D Insurance and Legal Standards
When tragedy strikes unexpectedly, does your insurance really have you covered? Dive into the complex world of accidental death claims with Dorian Law—uncover how insurance companies define “accidental death,” when they pay out, and how to fight back if they don’t.
Case Review Corner: Accidental Death vs. Medical Treatment - A Tenth Circuit Ruling on Policy Exclusions
How do courts interpret "medical treatment" exclusions in Accidental Death and Dismemberment insurance policies? We break down a significant Tenth Circuit ruling in Jensen v. LINA.
Case Review Corner: Understanding the Fine Print – When Voluntary Drug Use Impacts Accidental Death Benefits
Did you know that accidental death benefit policies often have specific exclusions? What does "ingestion" really mean in an accidental death benefit policy? Our latest "Case Review Corner" examines a case where a policy exclusion for voluntary drug use led to the denial of a $500,000 benefit. Learn more about the importance of understanding your policy's fine print.
What Exactly is “Accidental Death” in Insurance?
If you're facing a denied Accidental Death and Dismemberment (AD&D) insurance claim in California, Phoenix (Arizona), Seattle (Washington), Idaho, or Las Vegas (Nevada), Dorian Law P.C. can help. "Accidental death" generally means a fatality resulting directly from a sudden, unexpected, and unintentional event like a car accident, fall, or drowning, but policies exclude things like illness, suicide, and often drug overdoses. Whether your policy is governed by ERISA (federal law for employer-sponsored plans, with a mandatory appeals process and focus on "reasonable expectations," employing either a two part test or a substantial certainty test) or state law (which varies, with California focusing on unforeseen events and other states relying on policy language), insurance companies may dispute claims. Dorian Law P.C. understands these complexities, including the specific laws in your region, and will fight to secure the AD&D benefits you deserve. Contact us today for a consultation if your claim has been denied.