Know Your Rights.
In Every State.
Free state-by-state guides on workers compensation, insurance claim denials, medical billing and legal rights — written in plain English, no lawyer needed.
Find Guides for Your Situation
Pick your category below. Every guide covers all 50 states with verified data and real deadlines.
Denied claims, appeal deadlines, settlements and retaliation rights — all 50 states.
Hospital bill disputes, charity care programs, debt rights and billing error corrections.
When insurance companies break the law — what you can do and which states let you sue.
Denial appeals, prior authorization, surprise billing protections and ACA rights by state.
State minimums, no-fault laws, claim denials, SR-22 requirements and total loss rights.
Claim rights, bad faith laws, cancellation rules and wind and water damage appeals.
Denied life insurance claims, beneficiary disputes, ERISA appeals and unclaimed policies.
Short and long term disability denials, ERISA appeals and state programs by state.
LTC claim denials, state partnership programs, Medicaid planning and nursing home rights.
Dental claim denials, implant coverage, waiting periods, vision appeals and senior options.
Pet insurance claim denials, pre-existing conditions, breed exclusions and state oversight.
Workers comp for employers, commercial auto, liability and business interruption claims.
Recently Published
New guides published every week. Verified data. All 50 states. Plain English.
Built for Everyday Americans
Not lawyers. Not lobbyists. Just accurate, plain English information about rights you already have.
Every guide cites official state agencies, government databases and federal law — not summaries of summaries.
Your rights depend on where you live. Every guide breaks down the specific rules, deadlines and amounts for your state.
Laws change. We review and update every article annually. The last reviewed date is shown at the bottom of every guide.
Grade 8 reading level. Written for the person who just got a denial letter and needs real answers fast.


