4th Circuit Interpretations of Pre-Existing Condition Limitations in Long Term Disability Plans

By: Charles Fuller and Denise Martin

Most long term disability insurance policies contain a pre-existing condition limitation clause.  Insurers often rely upon these types of clauses to deny a participant’s claim for benefits.  This article will discuss various Fourth Circuit cases in which the Court determined the applicability of a policy’s pre-existing condition limitation. 

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Destroying Your Old Estate Planning Documents

Author: Sharon W. Salmon

There are various reasons why an individual may decide to obtain new estate planning documents to replace older ones.  For example, one may decide to update their estate plan after a new marriage, the birth of a child, or the death of a loved one, etc.