Is There Any Lawyers Will To Take A Law Suit Case Pro Bono, Against L-3 Communications, For Life Insurance?
Posted September 24, 2009 – 4:31 pm in: structured settlements FAQI join L-3 Communications in April 2006, obtain life insurance thru my company. Life insurance payments were deduted from my pay unitl Feb 2008. I return to L-3 in July 2008 and the payments started again, assumeing I had life insurance. They continued to deduct these payments until I notified them that my wife had passed. They quickly refunded me the money that they had deducted.
Tags: Against, Bono, Case, Communications, Lawyers, Life, Suit, Take, There, Will
2 Comments
OK, what’s happened here, is called, “employee benefits liability”. What that means is, due to an error on the part of your insurer, you were uninsured for a loss. The amount they are “on the hook” for, would be how much the insurance would have paid out, less YOUR premiums paid in.
The problem with pro bono work, is that there are about 100,000 people willing to hire a lawyer for free – but the lawyer doesn’t WANT to work for free, they have bills to pay, too! So when they DO take a pro bono case here or there, it’s going to be for a REAL injustice – on behalf of a child, or injured party they really feel bad for.
So now you’re looking at maybe a no win/no fee lawyer.
So, there are two main issues here, in trying to find a no win/no fee lawyer:
1. how much would the insurance have paid out? If she was only insured for $1,000, or even $5,000, then even if he DOES win, the lawyer isn’t going to get enough of a payout, to cover his time.
2. and if he does get the judgement, depending on the financial status of this employer, he STILL might not be able to actually collect any money from them.
If you want to throw $1,000 at a lawyer and ask them to work the case until the money runs out – which typically would be, four hours of work, maybe six, if you’ve got a cheap lawyer, that’s going to be your best bet.
It’s highly unlikely, though, that your spouse was insured for a significant amount, through your employer’s program. This type of case isn’t subject to puntative damages, or any outrageous award – it’s PURELY going to be limited to what the policy would have paid out.
So if they returned your money, what have you lost? Did your wife work there too? I dont see the connection between her passing and anything with your life insurance plan.
Im pretty sure that company life insurance plans typically dont cover your spouse. The deductions sound like they were taken for YOUR insurance policy in case YOU died (not your wife). That’s how it typically works and now it sounds as if they are not insuring you anymore and are giving you the money back that was paid for the life insurance policy.
Then again, im not privy to your arrangements.