Sudden, Sharp Increases in Premiums for Certain Types of Life Insurance Policies

For those who hold life insurance policies with variable premiums, beware of sudden, sharp increases in premium rates. If you have suffered financial hardship to keep up with the premiums or if you have defaulted on the policy because the cash value is depleted or because you cannot pay the premiums, you may have a claim. Contact The Higgins Firm for help.

Universal Life Insurance: Peace of Mind or Risky Investment Product?

The most important decision you can make in your case is hiring the right accident attorney. With so many out there to choose from, this is harder than it can seem. It is critical that you hire someone who is experienced at representing accident victims and negotiating directly with the insurance companies. This will put you at an advantage when it comes to settlement negotiations or if you need to go to court.

The biggest thing that you need to remember is that the insurance company has a team of skilled attorneys on their side. They know what to do in order to keep the settlement low and will do whatever they can to pay you as little as possible. You need an equally skilled accident attorney, on your side, to ensure that you are treated fairly and get as much money as possible. This is not the time to hire a novice lawyer or someone who rarely deals with insurance companies. With your future on the line, you want the very best attorney you can find.

There are several things you can do to ensure that you hire the best attorney for your particular situation. They include –

The Centers for Medicare and Medicaid Services has said it will block nursing homes from federal funding should they use pre-dispute binding arbitration agreements. What this means is nursing homes in Tennessee can no longer force their patients and families to sign away their rights to sue in court before being admitted into the facility. Nearly all nursing homes are federally funded in some way or another, so this agreement could likely have a massive impact on the industry as a whole.

Prior to this ruling being made, it has been commonplace for elderly individuals and families to have to agree to private arbitration over the United States legal system. This meant elderly people, who are being cared for in federally funded nursing homes, may have been prevented from seeking legal damages as a result of neglect, recklessness, endangerment or wrongful death.  Currently, these arbitration contracts have helped the nursing home industry reduce legal costs and total cumulative damages as well as prevent tarnished reputations and long lasting repercussions.

Unfortunately, elderly are often desperate for care and shelter and will be quick to sign something even if they don’t understand what is being noted in the contract. When certain people have attempted to seek legal assistance for a dispute, the arbitration has held up as a legally binding contract; thereby affecting some of the most vulnerable Americans. For all new contracts between nursing homes and residents, this arbitration clause cannot be included.

People entrust their elderly family members to a nursing home, placing a special trust in the staff to care for and nurture their family in the waning years of life. Unfortunately, we see time and time again that many nursing homes simply do not honor this trust, and take actions that cause harm to the patients, their finances, and their families. Whenever there is any accusation of misconduct by a nursing home, it is critical that you have an attorney who specializes in matters like this to deal with the investigation and the ensuing lawsuit, should it come to that.

Vanguard Health

Most recently, there was the case of the Brentwood, TN nursing home, run by Vanguard Health. The U.S. attorney’s office in Tennessee has filed a lawsuit against the former nursing home based on allegations of widespread fraud and abuse of patients in Medicaid and TennCare. According to documents filed by the U.S. attorney, the employees at this nursing home regularly submitted false claims for Medicare and TennCare, forged signatures of physicians and nurses, and provided grossly negligent care for the patients who were in this facility. The parent company, Vanguard Health, has filed for chapter 11 bankruptcy protection, but this will not protect them from the False Claims Act lawsuit filed against them by the Federal Government.

Many people have started smoking electronic cigarettes because they are supposedly better for you and the environment. Although there is still controversy surrounding the issue of whether or not they are safer for you.  Now, some people have experienced serious injuries when the device has exploded while they were using it.

According to lawsuits in several different states, there are claims that allege device makers sold defective products. One attorney,Marc Freund,  told The Wall Street Journal that “It’s an issue of the batteries being unregulated and manufactured haphazardly with poor warnings that never get down to the consumer.” Freund represents a teenager who suffered partial blindness from an exploding e-cig and a woman who suffered third-degree burns when a device exploded in her pocket.

Nashville Attorneys, The Higgins Firm, are closely looking into Abilify lawsuits and claims which have raised concern amongst professionals after a number of people were said to have developed a gambling disorder, diabetes or other potentially harmful uncontrollable urges while taking the drug. These urges, the Abilify lawyers go on to say, appeared to have ceased once the medication was discontinued.

The antipsychotic drug Abilify, also known as aripiprazole, is manufactured by Bristol-Myers Squibb Co. and Otsuka Pharmaceutical Co. Lawsuits against these companies state that they failed to provide sufficient warnings on the label of the drug and neglected to properly educate the prescribing doctors of Abilify’s’ side effects.

In this case, Andrew Yount grew breasts after taking Risperdal since he was five. He was awarded 70 million in damages for physical disfigurement and emotional distress by a jury in Philadelphia. The award is 28 times greater than the highest jury verdict previously decided against Janssen, a Johnson & Johnson subsidiary, in Philadelphia-based Risperdal litigation. That former highest verdict award was $2.5 million.

Austin Pledger, who was prescribed Risperdal in 2002 as a teenager for treatment of mood swings related to his autism, developed size 46 DD breasts, allegedly as a result of taking the drug.

Like Yount, Pledger asserted Janssen did not disclose or properly warn of such side effects before he was prescribed Risperdal. A Philadelphia jury awarded Pledger $2.5 million in February of last year. Only one case thus far, featuring Pennsylvania plaintiff William Cirba, has ended with a ruling in Janssen’s favor.

We have all heard about the Tough Mudder events.  They are fun, challenging and popular.  Unfortunately, they can also be risky.  In this case, 28-year-old Avishek Sengupta drowned at the Tough Mudder Mid-Atlantic event on March 20, 2013 in West Virginia and the wrongful death lawsuit claimed that Tough Mudder and Airsquid Ventures, whose subsidiary was responsible for aquatic safety at the event, among others,with gross negligence for their conduct at the “Walk the Plank” water obstacle. The complaint alleges that overcrowding made it impossible for rescue and safety personnel to monitor the pool and that Tough Mudder removed safety features to speed up crowd flow.

Before this event took place, Tough Mudder had received several complaints on social media about  long waiting times at many of its obstacles. In response to complaints of long wait times at Walk-the-Plank, Tough Mudder took steps to decrease wait times and increase the flow of participants through the Obstacle. This led Tough Mulder to decrease if not completely abandon their safety measures.

Avishek Sengupta and his “Walk the Plank” teammates experienced a traffic jam of other people while they wanted for their turn to plunge. They had to slowly make their way with hundreds of  other participants toward a near vertical wall of two-by-sixes that rose to a platform 15 feet above a man-made pool of muddy water that was roughly 40 feet wide and 15 feet deep. When they reached the top, they would have to leap in and swim to the other side, only  Sengupta didn’t resurface after he went into the water. He was underwater and sinking to the bottom, passing out at some point, for reasons that are still unknown. When he was  seen on the surface, at least eight and a half minutes after he’d jumped, he would be unconscious and in the arms of a rescue diver.

By now, many people have probably heard about how actor Anton Yelchin recently died when his vehicle rolled away and caused him to be pinned in between his car and a brick pillar. His vehicle which was a 2015 Jeep Grand Cherokee is just one of many vehicles that may be involved in a recall by Chrysler for a shifter defect that may have caused this unfortunate and devastating accident. If you or someone you love has been injured or died in an accident that may have been linked to this shifter defect, you need to speak to a vehicle defect and automobile accident lawyer with The Higgins Firm right away. We will listen to your case and make sure you get the compensation you need for what you have been through.

The Chrysler shifter defect is just one of many examples of the dangers presented by the hazardous combination of rapidly evolving automotive technology and a recall system that is inadequate to address safety defects and protect the public. The problem involves the transmission shifters which allow vehicles to roll away even after a driver believes he has put the vehicle in park. Chrysler has had problems with vehicle rollaways in other vehicles for years, usually as the result of the mechanical design of its transmissions. The specifics are unknown but this problem is likely related to a new shifter that shifts the transmission electronically.

This particular defect has been linked to certain Dodge Chargers, Sedans and Jeep Cherokees manufactured between 2012 and 2015 and has been under investigation by the NHTSA for two years. There have been over two hundred reported crashes according to the NHTSA database and at least forty people injured,  Despite these numbers and the length of time this problem has been under investigation, there was no recall announced until April. Even today, it appears that most people who own these cars have not even received recall notices, much less been given the opportunity to have the shifter fixed.

When we take our families to amusement parks and themed parks like Disney, we expect that the experience will not only be fun and enjoyable but also safe for the ones we love. However, the incident with the incident involving a toddler and an alligator ended in tragedy and may have been preventable.  So now what will Disney do?  What legal rights does this family have to get answers for their horrible loss?

According to reports, the toddler was wading in the shallows of the Seven Seas Lagoon at Disney’s Grand Floridian Resort and Spa around 9:00 p.m. on Tuesday when an alligator grabbed him and pulled him under the water. His father, Matt Graves, rushed into the water and sustained lacerations on his hand in an attempt to fight off the alligator. He then summoned a lifeguard from a nearby pool, who was also unable to rescue the boy. After a 16-hour search, the boy’s deceased body was discovered fully intact – just 15 yards from where he was taken.

Disney, like any hotel operator has a duty to keep their guest safe.  A duty to warn the guest of any known dangers.  We all feel that places like Disney are so secure it is very understandable how a family from outside the area would be oblivious to the dangers lurking in that lake. It appears there were signs that read “no swimming” posted in the area but no signage warning of alligators, a Disney spokesperson confirmed to PEOPLE. Orange County Sheriff, Jerry Demings say that, “The boy was splashing in about 6 inches to one foot of water at the time of the attack. I believe what this 2-year-old was doing was perhaps what any 2-year-old would be doing.”

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