What to Do When Someone Dies Without a WillWhat to Do When Someone Dies Without a Will

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What to Do When Someone Dies Without a Will

Hello, my name is Kerry. Last year my mother died suddenly. When we went through her papers, we discovered she didn't have a will. My mother had been married to another man before she met my father and I had a couple of step brothers. Unfortunately, they turned up on our doorstep and started to demand that we hand over my mother's life savings to them and their family. I contacted a lawyer who specialises in probate law. She talked me through my case and explained how we would defend it in court. Thankfully, the matter was resolved to my satisfaction and I could start to grieve for my mother. I decided to start this blog to help others who have a contested will on their hands.

Insights for Dealing with a Wrongfully Terminated Income Protection Policy

24 May 2018
 Categories: Law, Blog

Injuries in a workplace are a reality that workers should be aware of. Some of the injuries might incapacitate you and prevent you from carrying out routine tasks and responsibilities. If you do not put in place appropriate compensation measures for such eventualities, you might lose your income. Taking up an income protection policy is one such measure because it ensures that you can focus your efforts on your recovery while still receiving a monthly income for sustaining your livelihood. However, for one reason or another, a compensation policy might be terminated by your provider, and this may leave you with no income. This post provides ideas for managing an income protection policy that was terminated wrongfully.

Provide Medical Evidence

If you have been injured and cannot to return to work on a full-time basis, your compensation policy will cover for total disability payment. However, such refund will only be issued upon issuance of a qualified doctor's report. Policy termination must also be based on medical evidence that you can return to work on a full-time basis and discharge your responsibilities. If your insurer terminates your compensation payments, you need to approach your compensation attorney and issue them with a current report from your doctor. If the report indicates that you can perform pre-injury duties comfortably, then your provider has the right to terminate the policy. On the other hand, if the report states that you cannot carry out your duties because of the injury, then you should continue receiving payment as stated in the policy.

Understand Policy Terms

It is not enough to focus only on the number of scheduled payments or the payment period. Income protection policy providers have different definitions of injury or disability. Similarly, your interpretation of the terms will be different from those of your policy provider. Therefore, it pays to understand your policy before you decide to start a litigation process with your provider. For instance, some providers will describe disability as the inability to return to full-time work. If you have a policy with such a provider, your payments will be terminated even if you return to work on a part-time basis. On the other hand, other providers will offer compensation even if you return to work on a part-time basis.

Provide your Attorney with the Termination Letter

As with any other form of contract, an income protection policy provider will issue a termination letter once the action is deemed reasonable. The letter will indicate the reasons for policy termination; therefore, it is a crucial piece of evidence if you decide to seek legal redress. If you lose the termination letter, it will be difficult for your compensation lawyer to argue the case in your favour.