Myalgic encephalomyelitis (ME) – also called chronic fatigue syndrome (CFS) – is a serious and often permanent health condition characterized mostly by constant exhaustion and chronic pain. Although this condition is diagnosed hundreds of thousands of times per year in the United States, it is still not well understood. It is hardy even talked about […]
How to Manage Your Homeowners Insurance in a Wildfire AreaThe first two months of 2022 were the driest in California’s history. Another very active fire season is expected, and the fire “season” is lengthening each year. The areas that burn are increasing, and parts of the state that do not typically see fires are becoming […]
Farmers Insurance Called to Task on Homeowner Underinsurance ClaimsMost homeowner insurance companies in California have been avoiding responsibility for often massive underinsurance in their customer’s policies, in the wake of wildfires, by saying that it is up to the insured to select policy limits. Underinsurance has been an issue long enough that now some customers […]
What is the Difference Between ERISA and Insurance Bad Faith Litigation?Many people find themselves needing to bring suit against an insurance company. But not all lawsuits against insurers are governed by the same laws. If you obtained benefits through your employer and experience a wrongful denial of those benefits, you can bring suit to obtain the […]
What Courts Say About Underinsurance of Homeowner’s Coverage in CaliforniaInsurance companies take the position that they have no responsibility for the amount of coverage their insureds have in the event of a disaster. That way, they can offer very low premiums to compete in the insurance market. And, if there is a wildfire or other […]
The COVID Pandemic has forced all of us to embrace the concept of uncertainty. Like a child’s snow globe, we have been stirred and shaken, our mental health care system sent a flurry. We are far from settled.We are not ok!!! We are not doing enough!!!The unwelcome guest, Year Two of the COVID pandemic, is […]
The COVID-19 pandemic led to an increase in the prevalence and severity of eating disorders (ED) worldwide. Although eating disorders were already on the rise, The National Eating Disorders Association (NEDA) reported a 70-80% increase in calls and messages to their helpline during some months of the pandemic.1,3 In one large Canadian study, the number […]
Wildfires have decimated swaths of California, leaving entire cities destroyed in their wake. Many of the homeowners affected by these fires have found too late that they were dramatically underinsured and cannot rebuild or buy a similar home. In essence, their insurance is useless to them.The Department of Insurance is aware of the problem and […]
This week is Mental Illness Awareness Week and today is the National Day of Prayer for Mental Illness Recovery and Understanding. About prayer and spirituality, The National Alliance on Mental Illness (NAMI) notes, “Through spiritual guidance, many individuals and communities find healing and recovery.” As someone who lived in an utter darkness of mental “unwellness”for […]
According to Johns Hopkins University (2021), “An estimated 26% of Americans ages 18 and older — about 1 in 4 adults — suffers from a diagnosable mental disorder in a given year.” Among the many mental health disorders, eating disorders happen to be one of the deadliest. Eating disorders frequently co-occur with anxiety, depression, post […]
