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Many Americans endure the frustration of insurance claim denial, whether for health, life, car, or homeowners’ policies. It seems that insurance companies will fight tooth and nail not to pay out a cent on claims. This leads policyholders to wonder why they pay insurance premiums when they wind up having to bear costs themselves. Medical insurance claims denials have seen an alarming rise during Covid-19, leaving many people saddled with astronomical hospital bills for treatment. Why do American insurers deny so many claims? Claimants lack legal representation Few people go to insurance lawyers unless it is for a substantial claim or they have ...

Police brutality and misconduct can be a problem in the U.S. and black males are often the victims. The images of unarmed people of color being mistreated by police officers have become inescapable in the past year. Witnessing and experiencing police violence tends to burden victims and their communities with experiences of grief, loss, and other mental and physical health concerns. Police practices that violate civil liberties Recent research suggests that black men in the U.S. suffer from poor mental health due to their exposure to police killings. Young black people, especially those living in economically disadvantaged communities, are stopped, ...

When you start any business, you usually begin by doing all of the tasks involved because you either can’t afford to hire a lot of people or that’s just how things naturally evolve. However, it’s important to pay special attention to your role as an employer especially when it comes to employment law. Learn About the Differences Between Employees and Contractors A lot of startups prefer independent contractors because they’re more cost-effective than permanent employees. Hiring an independent contractor can significantly reduce your overheads and you don’t have to include them in your medical or worker’s compensation insurance. ...