EMPLOYMENT LAW
Wrongful Termination - Sexual Harassment - Discrimination
HEALTH INSURANCE LAW
ERISA Employee Benefits - Health Insurance - HMO Issues - Disability
and Health Claim Denials
FINANCIAL ELDER ABUSE
Undue Influence - Inappropriate Investments - High Pressure Sales -
Annuity Sales - Misappropriate transfers
ESTATE PLANNING
Advance Health Care Directive (Living Will) - Powers of Attorney -Wills
- Trusts
Constance Zarkowski is a member of the
American Bar Association, the California Bar Association, the Ventura
County Bar Association, the Los Angeles Bar Association, The American
Inns of Court and the American Trial Lawyers Association.
She is a regular guest speaker on the subject of health insurance,
health reforms and employee benefits and teaches MCLE and CE course
on these subjects. She has received many awards for her consumer activities.
Constance Zarkowski is also available to other attorneys as an expert
consultant on the subject of health insurance issues and to assist
with problem resolution.
As an advocate for people needing to negotiate the health insurance
system, Constance Zarkowski uses her expertise, compassion, and determination
to resolve problems without the need for extensive and prolonged litigation.
Constance has owned a health insurance general agency for over 20 years.
During that time, and in the 25 years that she has been active in the
insurance business, she has worked closely with insurance companies
and health plans in order to provide the best possible coverage for
individuals and employees. She has actively worked with small and mid-sized
employers and their employees to develop customized benefits plans.
She has helped design and implement health plans for insurance companies.
During her years in the insurance business she has become knowledgeable
of the various administrative procedures used by health plans to pay
claims and manage care. As an insurance agent and managing general
agent she has effectively worked to solve problems for clients who
had difficulty accessing their insurance benefits or health care.
Today, new federal and state laws have been enacted that require health
plans to offer many new benefits; from expanded coverage for previously
limited conditions, such as pregnancy and mental illness, to instant
coverage for pre-existing conditions when certain requirements are
met. Many more new laws are being considered. In order to obtain maximum
benefits people may need expert help. Constance Zarkowski is the experienced
expert.
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