The Health Insurance Portability and Accountability Act of 1996 (HIPAA), was enacted by the US Congress to help workers get insurance coverage and prevent discrimination. A key protection in HIPAA is the Privacy Rule which aims to keep your medical records as private as possible so that only you, your treating physicians, and the insurance companies that pay for your medical treatments know what is in the records. Read More
Long Term Healthcare Insurance – Solution or Dead End?
In my estate planning seminars I often tell potential clients that an important consideration for their long term healthcare is to purchase as much insurance as they can afford as early as they are able to do so. Recent events have caused me to question whether or not that remains true. More and more insurance companies are deciding not to offer long term healthcare insurance (LTHI) because it is not a profitable Read More
Motorcycles, Accidents, and New Maryland Law
Reading the other day about the youngest brother of Baltimore Raven's wide receiver Torrey Smith who was killed riding a motorcycle and it made me confront my own desires to get a bike. A little one, mind you, maybe no more than a fancy scooter. I think they look good and certainly would be economic to drive. But the potential for grave damage in an accident persuades me each time to forget about it. That and the Read More
Litigating a Personal Injury Case – New Client Call (First in a Series)
This is the first in a series of posts designed to discuss litigating a personal injury claim. It is intended primarily for other attorneys but will hopefully also prove valuable to those who might be contemplating a personal injury claim. After the accident, and hopefully after the person involved has begun treatment for their medical injuries, a call comes into the attorney's office asking whether or not the Read More
Are You Really in Good Hands with Your Insurance Company?
For sure, car insurance and car insurance companies are a necessary evil. You would be foolish, and in this state illegal, to operate a motor vehicle without insurance. In the event of an accident, and in particular a major accident, you need the insurance coverage to pay for your property damage to your car and to compensate you for your injuries and lost time from work. But make no mistake about it, insurance Read More