Experienced personal injury attorney Jay Leffler explains why life insurance companies won’t pay up unless their clients hire a good lawyer
Jay Leffler has more than 25 years of experience helping injured individuals and families of deceased life insurance policyholders obtain due compensation in a timely manner. Leffler, who works for notable Pennsylvania law firm Zarwin Baum, handles cases ranging from slip and fall accidents and insurance claim denials to declaratory judgments and indemnification actions. Jay Leffler recently obtained life insurance compensation from an insurance agency that denied beneficiaries compensation over an argument over the policyholder’s cause of death.
Sadly, the above-mentioned excuse isn’t the only one used to avoid a payout. Some life insurance companies are willing to look for any excuse to avoid having to shell out compensation. As Jay Leffler notes, there are many reasons why life insurance companies refuse to pay up, especially if the beneficiaries don’t have good legal representation to help them resolve the case.
The Death Occurred During the “Contestability Period”
The “contestability period” is a one to two-year period after a life insurance purchase. During this time, the company carefully examines a policy holder’s records to ensure the information on the life insurance form is 100% accurate. If the policyholder dies during this time, the company may try to deny claims, even if a mistake on the policy has nothing to do with the cause of death.
Failure to Keep up with Payments
It’s not uncommon for elderly life insurance policyholders to forget to make payments. Ideally, one should set up automated payments to avoid this problem. Sadly, it’s hard to recover a policy once the payments have lapsed for two or more months.
Cause of Death Isn’t Covered
Not all causes of death are covered by a life insurance policy. Typical exclusions include hazardous sports, homicide, suicide, and death due to a natural disaster or terrorist attack. If the cause of death is disputable, a life insurance company will typically ask for more information and even conduct its own investigation before approving compensation. A good attorney such as Jay Leffler can speed the process up and ensure the insurance agency’s conclusions are fully accurate.
Sadly, there are cases in which two or more potential beneficiaries are filing for the same benefits. In such instances, life insurance companies take interpleader action, turning the compensation over to the court to determine who should receive the funds. Jay Leffler begins his work on these cases by working with a client to determine if the matter can be resolved by mediation; if not, then legal action is taken to secure benefits.
In these and other cases, having a good life insurance lawyer is a must. Attorneys such as Jay Leffler ensure that a life insurance company takes administrative appeals seriously, increasing the odds of resolving the case without going to court. If the case is taken to court, Jay Leffler will gather needed evidence, recruit expert witnesses, and help beneficiaries plead their case in front of a judge or jury.
Jay Leffler from Zarwin Baum DeVito Kaplan Schaer Toddy P.C. Law Firm offers expert legal advice for people hurt by a slip and fall accident at a movie theater
Jay Leffler from Zarwin Baum has many years of experience dealing with slip and fall accidents. He successfully obtained compensation for a woman who was injured in a movie theater after discovering the theater had defective lighting and railings. Leffler also settled a personal injury claim for a woman tripped by a cane, and later successfully tried a jury case where an EMT was injured after slipping on water at a hospital cafeteria. Sadly, Jay Leffler‘s services are in high demand as many businesses either refuse to take any responsibility when such instances occur or try to pay far less compensation than they should.
Pennsylvania’s Statute of Limitations
Pennsylvania, like other states in the U.S., has a Statute of Limitations that puts a time limit on when a slip and fall lawsuit can be filed. Pennsylvania Cons. Stat. Title 42 section 5524 states plaintiffs have two years to bring “an action to recover damages for injuries to the person or for the death of an individual caused by the wrongful act or neglect or unlawful violence or negligence of another”. However, Jay Leffler, like many personal liability lawyers in the state, recommends that those who have been hurt in a slip and fall accident at a movie theater seek legal help as soon as possible after the incident.
Pennsylvania’s Comparative Negligence Laws
Comparative negligence laws limit how much compensation even a good attorney such as Jay Leffler can obtain on one’s behalf. Put simply, the law states that compensation is reduced based on how much responsibility a plaintiff bears for the accident. If a plaintiff is found to be at least 50% at fault for the accident, he or she cannot claim compensation. Naturally, movie theaters and other corporate defendants do everything in their power to prove that the plaintiff is largely at fault for the accident in order to cover up their own faults. Jay Leffler and his team as Zarwin Baum have to fight hard to ensure that corporations and their legal teams aren’t able to get away with ignoring public hazards on their properties.
Sadly, slip and fall accidents at movie theaters are a fairly common occurrence. Injuries sustained include sprains, broken or fractured bones, head and neck trauma, and/or torn ligaments. These injures can cost a person their long-term health and livelihood as hospital and therapy bills pile up without relief. Lawyers such as Jay Leffler from Zarwin Baum know this and do everything in their power to fight for the compensation that is an injured person’s due. Getting legal help as soon as possible after a slip and fall accident is a must as it enables Jay Leffler and his legal team to begin collecting evidence that can be used to prove one’s case and obtain funding for medical bills and other expenses.
A partner at leading law group Zarwin Baum, Jay Leffler and the firm’s principal team in Philadelphia, Pennsylvania, represent plaintiffs in all manner of frequently volatile and typically highly emotional personal injury cases. Celebrated, in particular, for their defense of often catastrophic personal injury claims, Zarwin Baum’s Jay Leffler provides a closer look at his and his team’s crucial legal work.
“At Zarwin Baum, our attorneys represent plaintiffs in all manner of personal injury cases,” explains Jay Leffler, speaking from the firm’s principal office in Philadelphia, Pennsylvania. “Quite often handling the most catastrophic claims, such as situations resulting in death or serious bodily harm, these cases are invariably volatile and filled, as you might expect, with emotion,” adds the celebrated attorney.
Jay Leffler and Zarwin Baum’s team of experienced personal injury attorneys and paralegals, he says, are highly skilled in meeting the sensitive needs of clients caught in these and similar circumstances. “We also make absolutely certain,” Leffler points out, “that whatever the nature of the claim, clients remain wholly informed of proceedings from start to finish.”
It’s immensely important, Zarwin Baum personal injury practice partner Jay Leffler says, particularly when handling catastrophic personal injury claims, that clients are involved in the progress of their case throughout.
Celebrated lawyer Jay Leffler and Zarwin Baum’s other attorneys are collectively well-versed in resolving a wide range of personal injury matters, including work-related, defective product, and vehicle accidents, slips and falls, nursing home abuse and neglect cases, and so-called toxic torts. “We also regularly handle a vast array of medical, dental, and legal malpractice claims,” adds Jay Leffler.
Culminating in a display of only the most skilled advocacy in the courtroom, Jay Leffler and Zarwin Baum are, he says, further committed to painstakingly thorough preparation and aggressive case handling to ensure the very best possible outcomes on behalf of clients. “We’ve also developed an extensive resource network designed to allow us to conduct in-depth investigations,” adds Jay Leffler, “and connect with expert witnesses to ensure the greatest advantage over our clients’ opponents.”
With a long history of multi-million dollar settlements and verdicts, Zarwin Baum litigators are highly skilled in courtroom tactics, often employing cutting edge technology in the process, and remaining confident throughout, safe in the knowledge that every case has been rigorously researched from the start, according to Jay Leffler.
Law group Zarwin Baum currently boasts four office locations in Philadelphia, Pennsylvania; Jersey City, New Jersey; Mount Laurel, New Jersey; and Wilmington, Delaware.
“Fully prepared at every turn, at Zarwin Baum, we’re both highly professional and incredibly persuasive in achieving results on behalf of our clients when it counts the most,” adds attorney Jay Leffler, wrapping up, “particularly in the wake of cases of catastrophic personal injury.”
Law school can be a very intimidating place for some people. It is here that you will find some of the toughest educational programs out there that rival the medical field. Lawyers-in-training will have to find a balance that will suit them well in order to make sure they don’t burn out or end up failing their classes.
Jay Leffler always recommends that you find ways to decompress during stressful times. It is of utmost importance that you do not overwhelm yourself and implode during critical times. Many lawyers are overachievers and want to take on the world by themselves. While an ambitious attitude is important, Jay Leffler knows better than anyone else that pacing yourself is very important. This is why he recommends that you make time for yourself daily and weekly to blow off some steam.
Many Millenials and Gen-Z students find themselves having a hard time focusing. This is due to the fact that there are so many different types of distractions on our person at all times. This can include cellphones, video games, and more. Your brain needs to be able to focus and build focus on those crucial lectures. Jay Leffler recommends that you develop your focus and find ways to increase it over time by not performing activities that drain your focus. Some of these activities include:
- Mindlessly scrolling on social media
- Not learning to say no whenever you are invited to go somewhere and important projects are due
- Ignoring your studies
Jay Leffler recommends that you make a plan of action whenever it comes to tackling your studies. This means that you need to be able to stick to a routine that will help you overcome the challenges that you will no doubt face in law school. Jay Leffler recalls the times that he saved so much extra effort by simply doing the work before it was due. Procrastination is another mortal enemy of productivity and can end up hurting you and your grades.
Experts like Jay Leffler know that sleep is another important component that all students must focus on if they wish to survive law school. Jay Leffler always gets eight hours of sleep each night to ensure that he is fresh the next day. Students will stay up working on projects until the early hours of the morning. Unfortunately, this can be more detrimental than harmful. This is why Jay Leffler recommends that you get all of your work finished ahead of time so that you don’t have to sacrifice sleep in order to accomplish it.
Finally, Jay Leffler wants all students to know that taking your time is the most important part of the learning process. Do not rush through school and think that getting your degree will solve all of your problems. Each stage of life has its own challenges and the grass is not greener on the other side. Law students should focus on staying in the moment if they wish to survive the rigorous trials of law school.
Ted Schaer and Jay Leffler, two lawyers from the dedicated and knowledgeable Zarwin Baum legal team with over sixty years experience between the two of them, share their thoughts on cybersecurity.
Zarwin Baum’s Cyber Liability Practice has a proactive approach and focuses on the growing risks and rapidly evolving liability exposures associated with the security and storage of information. Due to its knowledgeable lawyers and representatives on the topic of Cyber
Security and Data Privacy, Zarwin Baum has developed an excellent reputation among the region’s business, political, and legal communities. Cyber liability and Data protection are critically important in this modern era, as data breaches can affect anyone from the largest company to the individual. Cybersecurity is continually evolving to keep up with the adaptation of security risks and advanced persistent threats (APTs). Having strong cybersecurity policies, such as the right security technology or network protection, to the proper training for employees, can prevent essential or critical data from falling into malicious hands.
Jay Leffler graduated from Rutgers University Law School in 1988, completing his undergraduate work at Temple University. He then graduated cum laude with a degree in Political Science. Jay Leffler began his career as a law clerk for the honorable Paul Ribner in the Philadelphia Court of Common Pleas.
Theodore (Ted) M. Schaer graduated from American University in 1982 with a bachelor of science degree in Government and Public Administration. After working in Washington DC Capitol Hill, he returned to Philadelphia and attended Temple University School of Law, where he graduated in 1987. Ted Schaer serves as Chairman of the Firms Insurance Defense Department. Ted Schaer is hired by some of the nation’s largest insurers, third party administrators, motor carriers, and businesses to defend lawsuits. Theodore M. Schaer is board certified in privacy and US Data Protection, and Schaer serves as National and Regional Counsel to several national accounts.
Cybersecurity is the prevention of unauthorized access to your information. Cybersecurity policies can prevent essential or critical data from falling into malicious hands. Cybersecurity varies from the right security technology or network protection to the proper training for employees.
Ted Schaer from Zarwin Baum calls your personal information the “crown jewel.” The crown jewel that criminals wish to access with cyber attacks. From your bank account to your health insurance information, this information is highly valuable. Ted Schaer goes on to say that, on average, each record lost costs a consumer or business around two hundred dollars. So the price of a data breach or an invasion of your cybersecurity can be immense. While it can be easy to place the blame on malicious attacks, Theodore M Schaer goes on to say that “thirty-five percent of data breaches come from human negligence.” He says that one of the most significant precautions a company can take for their data security is to make sure employees are appropriately trained and always to be safe.
Jay Leffler from Zarwin Baum goes on to say that data privacy and cybersecurity are all part of professional liability. Jay Leffler mentions that a proper precaution for a business, large or small, is the appropriate insurance towards data breach protection. There are two significant forms of insurance regarding cybersecurity: technology errors and omissions and cyber liability insurance. Cyber liability insurance is for protection against data breaches at your own company. At the same time, technology errors and omissions insurance is to protect your company in the event of a client being harmed. Jay Leffler says that it is essential to know which type of insurance you must require and to compare the two types of coverage.