Sometimes, an insurance company denies a claim from the insurance holder on account of wrong assessment of his claim. This may lead the insured to suffer:

1. Financial damages in the sense that he may fail to get the right treatment because of the lack of funds.

2. Lapse of time in the sense that the insured may lose reasonable time for the proper treatment, and his/her medical condition may become severer.

The only way out is to do the standard reversed for ignoring medical evidence and improper denial


A person has been diagnosed with cancer, and the doctor decides to release them on “as tolerated” basis. This signifies that the said person may not be able to complete his working hours due to medical issues. Moving further, the insurance company denied his insurance claim due to either or both
of the following situations;

1. It overlooked the term “partial disability” and mentioned that the person was able to work 100%.

2. In a bid to back its statement, the company provides proof of him working on part-time basis elsewhere.

In such situations, the court may give priority to the medical history of the insured, before it considers any other pieces of evidence no matter how conclusive they are.


The Lawsuit: Ms. Marcin V Reliance Standard Life Insurance Company

The lawsuit we’re referring to was held in the district court of Columbia, United States. It was about the unreasonable consideration made by Reliance Standard Life Insurance Company of insured’s health.

According to the plaintiff, Ms. Jill Marcin, she was suffering from multiple health issues such as anemia, kidney cancer, and others. She was released by her doctors on “as tolerated” basis, which means, she couldn’t complete 40 working hours every week as normal employees do. This medical evidence amounts to “partial disability”.bfhd

Instead of considering her partial disability, the defendant – Reliance Standard Life Insurance Company – treated it as “total disability” which had an entirely different meaning (the person may not be able to work at all and is entitled to benefits).

Based on the wrong assumption, the company concluded that as Jill Marcin was working on a part-time basis, she could work 100%.
Therefore, her claim for long-term benefits was denied because she wasn’t disabled.

To support the decision, the defendant referred to two instances when the doctor had reviewed her medical condition as “feeling better”. Yes, there were a few instances when her doctor noted that she was “feeling better”, but her overall health was generally on the decline. Ms. Marcin’s absence from work increased with time, as her overall health was depleting.


What Court Considered

The district court ruled its decision in favor of the plaintiff and held the insurance company liable for payment of all the dues. Later, the U.S. Court of Appeals for the District of Columbia affirmed and given the same judgment.

RSL Insurance was unreasonable in determining that she was completely capable of doing 100% work. The medical history evidently showed that she hadn’t managed to complete a 40-hour week.dsvfdb

The decision made by RSL did not acknowledge the fact that her work showed she never worked full time. It was evident from the record that her work hours reduced sharply.

The RSL could not address the fact that Ms. Marcin’s health condition had gone from “mild” to “extreme”.

RSL relied on paid medical reviews. The unreliability of the reviews is based on the fact that the examination and the medical history were not linked.

One review was deemed unreliable because it wasn’t conclusive enough.…


Lawyers are a very crucial part of our lives. We depend on them when things get too sticky for us to handle. Most of our organizations and companies can’t do without their services. Prominent families also have their way with the best lawyers. Before making the most drastic decisions, we have to bring them in and listen to their point of view. It is wise for us to know where we stand in the eyes of the law. This way, we won’t get caught up on the wrong side of the law.

For instance, our topic of discussion happens to be personal injury. We need to know the right steps to take when we are on the receiving end of a personal injury. This is not the time to get even with our oppressors; it’s the time to seek legal backup. Our personal injury lawyers will guide us on the right steps to take in order for it to end well. We also have to be ready to listen as well as cooperate.

Finding the best personal injury lawyers

As soon as you realize that you need to get back on track, you’ll need the services of a good lawyer. You have to pull yourself together and begin making arrangements for the best lawyer there is. This will help you get proper representation in a court of law and help you get back on your feet again.

Here are the features of the best lawyers that should represent you in court;

1. They must have been practicing in this field for a significant period of time.

This is the only way for you to gain confidence in the level of experience they have acquired over time.


2. A good personal injury attorney must have legal certification.

This means that they must be cleared by the law to carry out their practices.

3. A perfect track record should be able to speak for them.

A look at the previous cases they have handled will give you all the answers you need. If they have been a smooth sail all the way, it means that your case will not be any different.

How to get in touch with the best attorney

Now that you already know what to look for in a good attorney, you need to know exactly where and how to get the best attorney. Here are a few ideas;

1. Search online and see what’s new.

The most serious and established lawyers will post their services online. This will give you the liberty to search and weigh options.


2. Ask around among your colleagues.

Each one of them could have a rough idea of how well you can get a lawyer. They’ll tap into all the necessary sources and give you a healthy report.

3. Read the local dailies.

The serious ones might have posted an advertisement to let you know who they are and what they’ll do for you.

Having a personal injury attorney in New Jersey

Wherever you reside, you stand a chance of benefits from a good lawyer. For instance, if you stay in New Jersey, it won’t be too hard to find a personal injury lawyer in new jersey. You are assured of prompt and quality services.…

When it comes to selecting an attorney at custody lawyer bowling green who will represent your family, you should do it after careful deliberation because it is a big commitment. Many factors will determine your selection of your attorney from their knowledge of the industry to the charges they charge and much more. Such factors will play a significant role in determining whether the attorney is suitable for your needs or not. This article articulates some general factors that should be looked at before hiring an attorney.

Tips For Hiring An Attorney

A Strong Track Record Of Integration

It is important to identify the legal experts that have experience in your field of interest. If you want a family lawyer, get an attorney that has specialized in that area because not all general attorneys can handle such cases. Also, the success of the matter will not be solely dependent on the knowledge of the law, but also the integration of the knowledge of the reviews, procedures and the people.


It may sound like a minor factor, but there is importance in settling in a lawyer that you like. Your lawyer should not only protect you, but they should help you to manage the anxiety that comes with the case you are dealing with. If you do not have a liking towards your lawyer, they will not perform that task effectively. It will also be difficult for you to trust someone that you do not like.

Alternative Billing Structures

When it comes to billing structures, you should be in agreement with your attorney so that you can work effectively and in harmony. Some attorneys offer alternative billing structures like flat rates or a percentage on what they charge per project. If you want to prevent surprise legal fees or hidden costs, you should opt for having a flat rate or a cost cap.


If it is your first time to look for an attorney, you can ask around from friends, family, and colleagues. Perhaps you do not know where to start from, but the people around you have dealt with some, and they can recommend the best ones for you. If you get them from credible sources online, you can call the writers of the reviews to ask them how they found the attorneys, their personalities, and other additional information that you may need to decide whether you will hire them or not. Ensure that you get an attorney who has had a personal experience with people you have asked.…

Most of the times, the choice of a lawyer is the make-break of a case. Lawyers have the technical knowledge of swaying your case this way and that way until justice is done to you. So, next time you have a case to answer in a court of law, think carefully of who will defend you.

Finding the best law firms for your case online

2There are several personal injury law firms that have been licensed to operate in the Fresno, California area. You just need to look for these firms online and choose fresno personal injury lawyer the one that you like. Whether you were involved in auto collisions, spinal injuries, brain injuries, or medical malpractice, you can have justice delivered to you by a lawyer of your choice. It is always important to consider your specific case carefully before you choose a lawyer to defend your interests in a court of law. For instance, a lawyer may be good in the litigation of a premises liability or wrongful death case and not other cases. He or she may also be good in both.

Connect with your chosen lawyers on social media

Social media networks have revolutionized the way people communicate to one another and to other businesses. Let us remember that the most important thing to look for when choosing a lawyer is efficient communication. If you visit a Facebook page or a Twitter handle belonging to a certain law firm, you will know how a certain law firm communicates with its clients. You will also get a lot of information that you couldn’t have got elsewhere. For example, there are some posts relating to tips and tricks for getting the compensation you deserve for personal injury or family and divorce cases. If you are looking for divorce and family lawyer in Fresno, California for instance, just look for an official page of a law firm and you will get all the advice that you need even before you decide on choosing a lawyer for your case.

What information can you get a social media pages a lawyer?

3 People are on social media networks to interact and mingle with other people from all parts of the world. Social media network pages belonging lawyers are thus platforms for interactions with other people on the social media. If you visit a Facebook page or a Twitter handle belonging to a personal injury lawyer, observe with special attention the interaction between the lawyer(s) in question with other people on the network. From these interactions, you will be able to know the lawyer(s) in black and white and determine whether they are suitable for your case. For instance, the way they respond to questions raised by various people will give you an idea of how they will respond to your questions. Their posts will also give you an idea of their expertise and knowledge. You will also read reviews and check the rating given to the law firm in question by previous clients. Just visit the Facebook page of Tomassian Pimentel & Shapazian, and you will know what I mean.…

Insurance is supposed to help us and protect us when we are in a problem. However, this is not always the case as problems are bound to arise during the period of processing the claim. It is quite unfortunate that nowadays, there are many cases in most of our courts regarding the insurance claims. What does this tell you? Well, it serves as a warning that never should you take matters related to insurance claim lightly. Whenever there is a problem with your claim, it is always good to ensure that you get the help of experts to successively get out of your problem. Here are important tips on how to deal with any problem as far life insurance policy is concerned.

Extensive research

To know your policy back and forth, you will need to gather as much information about it as possible. This, therefore, means that you will need to read all the guidelines and the fine print that you are given when signing the agreement. It is good that you know what you should and what to avoid if you do want to spoil your insurance claim. Being knowledgeable is important as it will help you during the communication process with your insurance company. After all, information is power.

Consult your lawyer

Another important thing that you should do to avoid the unnecessary problem you will need to find a good life Insurance Lawyer. Sometimes you might find that you are on the right, but the insurance company still refuses to honor the agreement. In such like situations, a life insurance lawyer will be the right choice. A professional lawyer will add a lot of weight and ensure that you can get the justice that you deserve.

Do not take anything for granted

Some people tend to assume that the insurance company is always on the right. That is a very ignorant perception. If you claim is delayed or even denied, and the reasons are not clear, you will need to find a good lawyer. There are many people whose claims have been denied, and after they had taken the matter to the court, they were able to win. So assuming that the insurance company is always on the right is something that you should desist from.

Keep track of everything

This is also very important. In fact, it is one of the reasons why problems arise. If the insurance company realizes that you have not been keeping track of all the necessary steps, the chances are that might want to exploit you in the way or the other. So make sure that you have all the papers involved in the entire process documented. In addition to that, you need to understand that keeping records is essential as far as insurance policies are concerned.



Are you questioning what to look for when selecting a lawyer? Well, if you are facing a lawsuit, it’s necessary to look for a professional, certified and skilled lawyer to represent you. An expert attorney will not only get you out of the situation but will also handle your case professionally. Being accused of something, whether you did it or not, can be a terrible situation. Only a lawyer can help you solve such an issue.

However, finding the right lawyer for your case can be a daunting task particularly if you don’t know where to commence or lack a professional hand to guide you through the process. Here are six of the characteristics that you should keep in mind when selecting a lawyer.

Properties of an excellent lawyer

Vast experience


Perhaps, this is the most significant thing you should be on the lookout for when choosing a lawyer. Whether you are looking for a criminal lawyer, divorce lawyer or injury lawyer, it’s worth noting that only a lawyer with experience can help you get out of almost any situation. He or she is capable of understanding what you are going through and will go the extra mile to ensure that you are out of trouble.


Another thing that you need to look for when selecting a lawyer is knowledge. If you require discovering more about the knowledge that a lawyer has, you can raise a few questions during the first meetings. A knowledgeable lawyer will give you all the answers that you need and is aware of all the rules and regulations and how they apply to your case.


Lawyers specialize in different fields. For example, if you are involved in a divorce case then you will have to look for a divorce lawyer. On the flipside, if you are included in criminal proceedings then you will need a criminal lawyer. Other agents specialize in other fields that include personal injury, the family just to mention a few. Only select an attorney that will be appropriate for your case to increase your chances of emerging victorious.

Proven track record

Before choosing an attorney it’s a grand idea to find out more about their record. It is the only way that you can evaluate the performance of the prosecutor. Make sure that the lawyer that you are going to choose has a proven track record of helping clients win their cases. If you can across an attorney with a poor record don’t be shy to move to the next otherwise, you risk losing your legal battle.


This is another quality that you should search for when choosing a lawyer. A law firm with a solid reputation is the right choice for your case because their reputation indicates that clients are satisfied with their services.

Courtroom appearance

For instance, if you are involved in a criminal case then you must attend court sessions frequently. It is vital for you to engage a lawyer who is willing to appear in court whenever necessary to address the judge and present your case. Moreover, the attorney needs to develop a significant presence in court to increase your chances of winning.


The job market has become very competitive especially with the rise of globalization that has turned the world into a global village. It has thus become important for individuals to develop capabilities that increase their competitive advantages in the professional environment. One of the most lucrative and highly competitive careers is law, and few people manage to establish thriving practices in this profession.

To become a good lawyer, it is important to undergo learning and training at an excellent institution that can make a law graduate more competitive in the job environment. These are some of the qualities of a good law school.

What makes a great law school?

Duly Accredited


Accreditation means that a law school is officially authorized to offer specific courses. An accredited law school has tutors with the right qualification and, therefore, can ensure that students receive the best type of learning and training. Some of the facilities available in an accredited law school include a well-equipped library, sufficient learning venues as well as moot courts where students can gain experience on how to argue cases in a court of law. An accredited law school also carries with it a good reputation in that employers prefer to hire graduates with diplomas from recognized institutions.

Good Internship Programs

A good law school should also have a well-defined internship program that makes it easier for students to join the professional environment and gain some valuable experience. It is often difficult for students to find reputable firms to intern in but with the assistance of the law school, they can be taken in by law firms and meet the internship requirements of their course.

An active Alumni Network

One of the essential qualities of a good law school is an active alumni network. An alumni network can be very instrumental in helping graduates find jobs. Alumni meetings are ideal for networking and establishing relationships with some of the former students of an institution. Finding the right job is easier when an individual has the necessary connections.

High Ranking

A highly-ranked law school increases the competitive advantage of a graduate in the job environment because employers usually associate graduates of such institutions with superior skills in the labor market. For instance, an Ivy League law school graduate has a higher chance of being selected for employment by an organization over a graduate from a non-ivy league law school.

The ranking of institutions usually takes into consideration the available facilities, the qualification of tutors and the learning and research capabilities of the school. A highly ranked law school is, therefore, ideal for obtaining a quality education and training in law. The high ranking also comes with prestige because individuals that attend such law schools command a certain degree of respect in the job environment.

Several institutions offer courses in law. It is, however, crucial to identify the best law school to attend to learn effectively and develop key competencies in the profession. These tips will help you choose the best law school and gain a competitive advantage in the job environment.…


Esquel Group Foundation De Vuelta a Pagina Principal
Countries INDEX
small logoWelcome to the Esquel Group Foundation Website.
We are currently building our website to give the world instant information about our group. This page will give you an idea of things to come and the contents of our internet site.

Nuevo / New

Local Government Development. A Strategy Profile

Decentralization of government operations is now a reality in most of the Latin American Region. In order to become an effective supporter of this movement, the Inter American Development Bank is reviewing its lending and other programs with local governments in member countries. A Strategy Profile on Local Government Development has been prepared by the Bank as the first step in this process.

Selecione aqui para ver el documento y el cuestionario en espaņol.

Select one of the link below to view the document in english:
Esquel Group Foundation
html.gif (280 bytes)
Local Link in EGF BIDtext.gif (1239 bytes)
html.gif (280 bytes)
Original Source in IADB
Original questionaire in MS-Word 97 Format for Faxing purposes. Online Questionarie
Please send us your comments about the work in progress, our e-mail address is fully functional

Washington, DC 20001-4425 USA Voice:(202) 347-1796
Fax: (202) 347-1797…