Ex-spouses often enter into informal post-divorce arrangements intended to alter obligations set out in their marital dissolution agreements (MDAs). Such arrangements, whether they include an actual agreement or merely a pattern of conduct, can impact Tennessee life insurance policy cases involving the policies of deceased ex-spouses. Sometimes, post-divorce agreements involve…
As a general rule in Tennessee life insurance policy cases, a beneficiary named in a life insurance policy does not have a vested interest in the policy’s proceeds when the person whose life is insured dies. If the owner of the policy retained the right to change the beneficiary,…
Many life insurance policies include a conversion clause. A conversion clause provides a policy owner with the contractual right to update or to convert a policy. The primary benefit of a conversion clause is that the person whose life is insured does not have to undergo medical underwriting for an…
The definition of “total disability” is among the most important definitions in a disability policy and, consequently, in disability lawsuits. It is also one of the most confusing. For example, can you recover disability benefits for total disability if you can still perform some aspects of your job? In a…
If you’re making a disability insurance claim, the type of plan you have may matter more than any other fact in your case. Consider, for example, two plaintiffs who have the same occupation and suffer from the exact same disability, only Plaintiff “A” has an employer-provided plan governed by the…