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Kate Sarah
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Denials for Experimental or Investigational Medical Services
A common reason health care claims are denied is that the service is experimental or investigational. Each health insurance policy defines "experimental" differently, but basically the health insurer is saying hat the treatment is not proven to treat the me...
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Class Action ERISA case against UnitedHealth Group
Medical insurance plans and policies only cover health care that is "medically necessary". Different plans define "medically necessary" in different ways, and health insurance companies often have to come up with some internal guidelines about what type of ...
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What is a Life Waiver of Premium benefit?
A "Life Waiver of Premium" benefit - also called an "LWOP" benefit- is a provision that is commonly included in life insurance policies which waives the premiums normally required to maintain life insurance coverage for insureds who are disabled. This benef...
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NY Times Article: Spouse's Consent is Required to Change Retirement Account Beneficiary
This article in the New York Times addresses the requirement that a spouse be informed of a change in beneficiary and consent to that change: " WHY does a married person who has certain kinds of   retirement   accounts have to get his or her spouse’s permis...
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Kate and Sarah honored as Volunteer Attorneys of the Year by Cancer Legal Line
Kate and I are proud to be honored by the Cancer Legal Line as Volunteer Attorneys of the Year. The Cancer Legal Line does a wonderful job providing legal advice to cancer patients, survivors, and their families. Check our Cancer Legal Line here .
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Kate presenting - "Effect of New Administration"
Kate is presenting today on a webcast for Minnesota CLE on the "Effect of the New Administration" specifically on the U.S. Supreme Court. Catch it here if you missed it!
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Assumptions, Calculations, and Formulas: Are My Benefit Payments Being Calculated Correctly?
            The letter finally arrived from the insurance company
letting you know you will begin receiving monthly disability benefit payments.  A week or so later, a check arrives in the
mail.  The check is in an amount less
than your normal paycheck.  Yo...
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Open House Success!
The Law Office of Katherine L. MacKinnon has been open for 20 years. We thought this deserved a celebration! Thank you to everyone who was able to attend - we had a lovely time showing off our new office space and celebrating 20 years of serving clients.
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Office is Moving!
Our office has moved to St. Paul in the Midway area. Our new address is: 2356 University Ave. West #230 St. Paul, MN 55114 We are keeping our same phone number (952-915-9215). Give us a call to schedule an appointment!
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Life insurance beneficiary forms - common mistakes
Filling out the beneficiary form for your life insurance can be more tricky than you think. There are several common mistakes, including: Naming a minor child without designating how the money should be distributed . Money cannot be given directly to a mino...
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