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Benefits and Flaws of the US Healthcare System

We’re all beholden to the U.S. healthcare system. We depend on it to keep us well, and we need it in times of illness or injury. Our lives depend on it. In some ways, the U.S. healthcare system is the best in the world. In other ways such as the cost of treatments and accessibility […]

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The Ins and Outs of Homeowners Insurance

Essentially, the insurance game is a gamble: The insurance company takes a certain risk profile, which determines how much you pay for premiums, and they gamble that you will seldom use your insurance, if at all. You gamble that if something happens, the insurance company will be there to take care of things for you. […]

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CBD Oil and Your Insurance Claim: What You Need to Know

For many years, there have been a lot of debates about the use of marijuana as a treatment option. Although research has shown that marijuana can be used to combat many ailments, there has been a lot of resistance. However, some states have approved and legalized the recreational and medical use of cannabis. Even so, […]

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Four Reasons Why Your Health Insurance May Deny Your Injury Claim

Many people rely upon their health insurance for a sense of security. They use it to ensure that they can afford medical treatment no matter what kind of injury they might sustain. Protection against unforeseen accidents is the reason why nearly 90 percent of Americans have health insurance. The problem is that your health insurance […]

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What the ACA Means for Planning Major Medical Issues

This guest post is from Martin Carpenter, a paralegal focusing in the medical field. Nearly 60 million Americans undergo outpatient surgery annually, according to a study by Dr. John Hollingsworth of the University of Michigan. Another 51 million receive inpatient surgery, according to the CDC. These numbers include the 600,000 Americans a year who undergo […]

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Why Insurers Cancel Policies, And What You Can Do When It Happens

Health insurance, and specifically the cancellation of existing health insurance policies has certainly been in the news recently. Here is an informative article from Kaiser Health News that will answer many of your questions. The opening paragraphs: News that health insurers are ending the policies of what could be millions of Americans has rattled consumers […]

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Tighter Medicare Payments Tend to Lower Fees for All, Except in Dallas?

Maybe some good news for medical patients everywhere except in Dallas? This strange story was reported in the Dallas Morning News recently. The gist of the article is that a reduction in Medicare reimbursements usually results in a reduction of medical costs for everyone, even those not on Medicare. But for some reason this does […]

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Health Insurance Premiums Climbing Across the Nation

I hate health insurance. Well, I don’t want to sound mean, so I’ll say I don’t like health insurance. I don’t like shopping for it. I don’t like paying for it. I don’t like using it. I don’t like arguing about what is and is not covered by it. I don’t like the effect it […]

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What YOU Can Do to Reduce Your Health Insurance Premiums

Health insurance is an important necessity, but it is also costly if you aren’t careful. Insurance premiums vary in price based on your health conditions and lifestyle factors. In some cases your preexisting conditions may also play a role in how much your bill is. If money is tight, you can follow a few steps […]

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Survey Finds Health Insurance Costing More and Covering Less

Major national news outlets including network news gave substantial coverage to a Kaiser Family Foundation report on health insurance coverage and costs. The reports emphasized the higher rates and reduced coverage with one outlet noting that family insurance now costs more on average than a small car. Many also noted the report’s conclusion that the […]

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Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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