Wolves have been put up for sale by owner Steve Morgan. The Sky Bet Championship club are now on the market after chairman Morgan confirmed he is looking for a buyer after eight years. Morgan bought Wolves from Sir Jack Hayward in 2007 for £10 with the promise to invest £30million into the Molineux club.A club statement read: “Wolverhampton Wanderers FC announces today that after eight eventful and enjoyable years at the club, and after much thought, owner and chairman Steve Morgan has decided to put his 100 per cent shareholding in the Club up for sale.“Steve will step down from the board with immediate effect and day-to-day activities will continue to be managed by the chief executive with the current board overseeing operations.“While the process of finding a new owner is being undertaken it is very much business as usual for the head coach, players, staff and all other stakeholders involved with Wolves.“Steve would like to relay to all concerned that his ongoing commitment and financial support to Wolves will continue until a new owner can be found.“He would like to thank everyone connected with the club for their support and backing over his tenure to date and, as always, wishes Wolves every success for the future.“Steve will not be making any public comments in relation to this announcement.”Wolves are 16th in the table, having missed out on the play-offs on goal difference last season, and go to Fulham on Tuesday. 1 Steve Morgan
1 Former Newcastle forward Obafemi Martins has completed a move from Seattle Sounders to Chinese Super League club Shanghai Shenhua.Martins, 31, has been with the Sounders since 2013 and scored 15 goals in 21 games for the MLS side last year.But now the Nigerian has become the latest player to take the plunge and move to the lucrative Super League in China after he signed a contract on Thursday for an undisclosed fee.“We wish Oba good fortune in China,” said Sounders president Garth Langerwey.“Ultimately this transaction gives us roster and salary cap flexibility heading into our 2016 MLS season.”Martins left St. James’ Park in 2009 after three successful years on the Toon, having scored 35 goals in 90 appearances. Obafemi Martins in action for Seattle Sounders
Take a look at today’s newspaper stories Here is a selection of stories from Sunday’s papers…Manchester United want to sign Cristiano Ronaldo this summer (Sunday Express) and Pierre-Emerick Aubameyang (Mail on Sunday)The Red Devils also linked with a £40m offer for Real Madrid midfielder Toni Kroos. (Daily Star on Sunday)Jose Mourinho expects Ryan Giggs to succeed Louis van Gaal as Manchester United manager. (Sunday Mirror)Chelsea want Tottenham manager Mauricio Pochettino to take over at Stamford Bridge. (Sunday Times)Chelsea also want to sign Everton striker Romelu Lukaku this summer, but would face paying double the £28m they received from the Toffees for their old player in 2014. (Sun on Sunday)Bayern Munich sent technical director Michael Reschke to watch Lukaku in Everton’s win against Aston Villa. (Sunday People)Steve McClaren will be sacked by Newcastle, with David Moyes expected to open talks about taking the job. (Sunday Telegraph)Arsene Wenger will be asked to step down at the end of the season if the Gunners fail to beat Hull in their FA Cup replay in midweek – Patrick Vieira is favourite to replace him. (Sunday Express)Manchester City and Chelsea both want Juventus midfielder Paul Pogba, and have offered both him a salary of £300,000 a week. (Daily Star on Sunday)Pep Guardiola wants to sign three world-class players this summer and has a budget of over £150m to be spend. (Sunday Mirror)Jurgen Klopp will be allowed to spend £100m to reshape Liverpool in his image. (Sun on Sunday)Saido Berahino will complete his move to Tottenham in the summer. (Observer)Antonio Conte will meet Roman Abramovich in Monaco next week as talks over the Italy coach taking the Stamford Bridge job accelerate. (Mail on Sunday) 1
Data from the U.S. Department of Housing and Urban Development suggests there about 750,000 homeless in the nation on any given night, with about 40 percent of those members of homeless families, said Philip Mangano, director of the U.S. Interagency Council on Homelessness. The overall number of homeless people is up from a few years ago, he said, but nobody can pinpoint an exact number of families because reporting requirements vary widely from state to state. “Our desire would be to have many more states step up and track the data,” Mangano said. “Research and data, that’s what should drive the resources that we make available. Instead it’s often anecdote, conjecture and hearsay that does that.” Kehoe attributes the increase in Massachusetts to a convergence of low wages, high housing costs, an increase in housing foreclosures and cuts in federal and state housing assistance programs. Two years ago, lawmakers also lowered the financial eligibility requirements to qualify for homeless benefits from the poverty level to those making 130 percent of what would be considered a poverty wage, she said. “I think what we are seeing here is a perfect storm,” she said. “Until we have some investment in affordable housing, and some flexibility in using our resources, we’re not going to see a leveling off of these numbers.” Commissioner Kehoe and Frost said families also are being squeezed by the recent national lending crisis, as high mortgages that have forced some landlords to sell or face foreclosure.160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREChargers go winless in AFC West with season-ending loss in Kansas CityAbout 1,800 homeless families were in Massachusetts shelters last week – up from 1,400 in June 2006 and just under 1,200 in June 2005, according to state figures. There are more families in shelters now than at any time since the inception of the state’s family shelter program in 1983, according to the Massachusetts Coalition for the Homeless. State officials blame a wide range of problems – from cuts in assistance to the recent housing crisis. “We’re very concerned that this is going to keep going,” said Julia Kehoe, commissioner of the state Department of Transitional Assistance. Massachusetts is one of the few states that keep government records of the number of homeless families in shelters because state law requires the Commonwealth to shelter any family that meets income and other guidelines. The state keeps a daily count to show how many beds it needs, said Robyn Frost, executive director of the Massachusetts Coalition for the Homeless. Nationally, the picture is much less clear. AMHERST, Mass. – There is just enough space for Lisa Rivera’s family to sleep at Jessie’s House homeless shelter. In one room, she fits the full-sized bed she shares with her 9-year-old daughter, the trundle for her 11-year-old son, a twin bed for her 14-year-old daughter and a playpen for her 1 -year old son. “It’s comfortable, but it’s hard sleeping all together,” the 32-year-old woman said. “Oh my God, sometimes it’s so hard.” Faced with domestic abuse, high housing costs and unemployment, Rivera’s family finds itself among the growing ranks of the homeless in Massachusetts – and possibly, the country.
AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREChargers go winless in AFC West with season-ending loss in Kansas City“We’re looking to try to reduce the size of the current local eight districts and bring these middle schools and high schools into one supervisory structure so that focused attention can be placed on these schools for improvement,” said Robert Schiller, a consultant hired by Brewer to help develop the plan. Brewer’s plan comes in addition to a previously announced program under which Mayor Antonio Villaraigosa will manage more than 30,000 students in two groups of schools designated as among the district’s lowest-performing. On top of that plan, Brewer’s proposal would pull at least 105,000 additional students out of the district’s 708,000 population into a separate governance structure. “It sure looks like the start of a breakup, which I think is something that is a long time in coming,” said Assemblyman Cameron Smyth, R-Santa Clarita. “What the superintendent and others will find is in a smaller setting, those schools’ performance and the kids’ performances will improve because there will be greater accountability.” Smyth submitted legislation last year proposing breaking the LAUSD into smaller, more manageable districts. Hearings on the bill will begin in January. But Brewer emphasized Tuesday that his plan is not necessarily to create a permanent structure. Instead, after schools improve they would return to governance under the general district. The 17 middle schools and 27 high schools in the special district would have their own superintendent and directors assigned to act as liaisons with the central staff, Shiller said. The new district would include a set of core curriculum at the schools and outline specific training for teachers. It also will address boosted school safety, smaller schools and community-parent partnerships. And, unlike the mayor’s plan – which relies heavily on fundraising to bring millions of dollars to supplement state funds at the schools – Brewer said funding used for this plan would come primarily from extra funds and grants the struggling schools already receive. Brewer also said he doesn’t expect his proposal to be the “cure-all” for all school problems, but simply to boost the schools’ performance on the Academic Performance Index. Under federal No Child Left Behind standards, the LAUSD is in its third year of Program Improvement status, requiring the district to develop a plan to help the lowest-performing schools. “If the district doesn’t take the opportunity to restructure itself, it’ll be done externally by means of No Child Left Behind,” Schiller said. “If you always do what you’ve always done, you always get what you’ve always gotten. … The superintendent is opting to move aggressively forward.” Brewer said a detailed plan is expected to be finished by Nov. 1 and presented to the board for approval by Nov. 13. Still, the plan drew concern from some that it is creating a fragmented district with even more bureaucracy and challenges. “I am worried the district is getting fragmented, and that does not necessarily mean it’s going to fix the problem,” 20-year school board member Julie Korenstein said. “There needs to be very specific information of how things are going to be done differently to these 44 schools as you pull them out of the district, put them under someone else, break the feeder patterns and what the projected impact is of doing this.” Board member Monica Garcia said she wants more details on Brewer’s plan but said it appears to represent “real instructional change at LAUSD.” “I don’t think this is a cure-all … but I definitely think we have to do things differently to get different results,” she said. Still, some experts noted that quickly rolling out aggressive and untested reform efforts in the LAUSD is risky and could lead to a political battle between Brewer and Villaraigosa. “That’s a danger for anybody, especially that person left holding the keys to the doors the longest – and that’s not likely to be the mayor,” said Jaime Regalado, director of the Edmund G. “Pat” Brown Institute of Public Affairs at California State University, Los Angeles. “Whether it’s the first real broadside that is going to break up the district, only time will tell,” Regalado said. “But it would be hard to believe that if all sides succeed that there wouldn’t be some disillusionment that would create a school district that would look different than it does today.” email@example.com (818) 713-3722160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! Aiming to overhaul Los Angeles Unified’s lowest-performing schools, Superintendent David Brewer III unveiled a plan Tuesday to essentially carve out a separate, targeted district for 44 of the neediest schools. Brewer’s senior staff and local superintendents still are developing details, but the new district would be made up of middle and high schools – including several in the San Fernando Valley – and would have its own rules of governance, separate curriculum and instructional planning. Brewer hopes to roll out the district next fall and said schools in the group would be candidates for drastic reforms such as all-boys academies and neighborhood literacy centers for parents. The plan is the latest designed to create separate, smaller groups of schools out of the massive bureaucracy of the LAUSD system.
Q: Can you explain double jeopardy and why, if someone is tried for murder (like Robert Blake), but acquitted of the crime, they still can be found liable in a civil case for millions of dollars? A: The Fifth Amendment to the U.S. Constitution reads in pertinent part: “Nor shall any person be subject for the same offense to be twice put in jeopardy of life or limb.” This clause seeks to prevent prosecutorial abuse by the government, which otherwise may try to repeatedly prosecute someone for the same alleged criminal offense. The rule on double jeopardy is consistent with a basic legal principle known as res judicata, which precludes relitigating the same claims among the same parties (or those in privity with them), when those claims already have been brought to final judgment. With regard to winning the criminal case but losing in civil court: There are different burdens of proof (beyond a reasonable doubt in the criminal court, but a preponderance of the evidence only in the civil setting). Moreover, the defendant in the civil matter can be called to testify by the other side, whereas in the criminal case the defendant is not required to testify at all. Double jeopardy has to do with being charged twice for the same criminal offense or offenses under the penal code, not civil wrongs such as negligence which likely fall under the civil code, or are of a common law nature. – A.D., Manhattan Beach Self-help, small claims A reminder for many of you who have submitted questions about small claims court: Online, at the self-help Web site of the Los Angeles Superior Court (www.courtinfo.ca.gov/selfhelp), you can find very useful information about small claims court. Also, you can talk with the small claims courts adviser during weekdays at 213-974-9759. Ron Sokol is a Manhattan Beach-based attorney with 29 years of experience who has arbitrated and mediated many cases. His column appears each Wednesday. E-mail questions and comments to him at RonSEsq@aol.com or mail to him at Ask The Lawyer, Daily Breeze, 5215 Torrance Blvd., Torrance, CA 90503-4077. This column is a summary of the law, and not a substitute for legal consultation on any particular case.160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! Q uestion: We loaned money to a “friend in need,” secured by a second trust deed on her home. When she could not pay the balance due, we gave her a 90-day extension. She assured us the senior loan was current. Unfortunately, she was not truthful. We may wind up losing our money because the senior trust deed is foreclosing, and there is not sufficient equity to cover us. Can we still pursue the borrower even if we are wiped out by the first? – B.W., Rancho Palos Verdes Answer: Yes, there is a remedy in California known as “judicial foreclosure.” AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREGame Center: Chargers at Kansas City Chiefs, Sunday, 10 a.m.Unlike the more typical foreclosure, which commences with the recording of a Notice of Default and does not involve court action, a judicial foreclosure is a lawsuit. You must serve the papers, ultimately prove that the borrower is in default, and if you wind up losing all of part of your loan, you can seek to “preserve the deficiency.” This means you can pursue collection of what you lose from the borrower. However, California is an “anti-deficiency” state. Thus, in a non-judicial foreclosure on a residential loan, if you get wiped out, or only recover a part of your loan, you are not entitled to seek any deficiency from the borrower at all. The judicial foreclosure remedy is the exception to the anti-deficiency rule in California. There are real differences between a non-judicial and a judicial foreclosure, over and above that one is non-judicial and the other plays out in court. For example, the time frame for the borrower to cure the default can be much longer in a judicial foreclosure. Therefore, I suggest you consult with a qualified lawyer to discuss the judicial foreclosure process so that you evaluate your options a little more prudently.
CORRUPTION: The Pennsylvania Democrat is being prosecuted on theft and fraud charges. By Ben Evans THE ASSOCIATED PRESS WASHINGTON – A U.S. attorney general from President George H.W. Bush’s administration told a House panel Tuesday he thinks the Justice Department had political aims in prosecuting a high-profile Democratic coroner from Pennsylvania. AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREGame Center: Chargers at Kansas City Chiefs, Sunday, 10 a.m.Dick Thornburgh, a Republican whose law firm is representing coroner Cyril Wecht in the pending trial and who acknowledged speaking as an advocate for Wecht, said the outspoken Democrat was “an ideal target for a Republican U.S. attorney trying to curry favor with a (Justice) Department which demonstrated that if you play by its rules, you will advance.” Politics should never play into a decision to prosecute, Thornburgh said at a House Judiciary Committee hearing examining “selective prosecution” by the Justice Department, but “sadly, that appears to have been so in the case against Dr. Wecht.” Republicans shot back that Thornburgh was simply trying to help his client in a public forum where he knows the Justice Department cannot discuss the case, which is still awaiting trial. “Your testimony, to be blunt, is the most pathetic example of ? hearsay and innuendo that I’ve heard in my seven years on this committee,” said Rep. Ric Keller, R-Fla. “It’s so far-fetched that I’m almost embarrassed being an attorney listening to it.” The Wecht prosecution on charges of theft, mail fraud and wire fraud was one of three corruption cases that Democrats spotlighted Tuesday as part of a broad investigation into White House interference with Justice Department activities. After months of questioning whether the Bush administration fired U.S. attorneys who were not “loyal Bushies,” Democrats said the cases provide strong evidence that some government lawyers may have done the White House’s bidding. The other cases discussed were the successful prosecution of former Democratic Alabama Gov. Don Siegelman on bribery and other charges and the overturned conviction of Wisconsin state procurement official Georgia Thompson in a contracting case. Testifying about the Alabama case, former Siegelman lawyer Doug Jones disputed the Justice Department’s claim that career prosecutors initiated and handled the prosecution. Jones, a former U.S. attorney under President Clinton, said he was given strong hints by local prosecutors in 2004 that the case might be fading after several years of investigation. But in late 2004, Jones said, local prosecutor Steve Feaga told him that officials in Washington had ordered a “top to bottom” review. Shortly after that, he said, Washington seemed to take over. 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!
AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREStriving toward a more perfect me: Doug McIntyre California’s skyrocketing gas prices lead the nation. Prices per gallon here averaged $3.40, followed by Hawaii with $3.32, Washington with $3.26, New York with $3.25 and North Dakota with $3.23, AAA reported. The national average is $3.11, the association said. Prices rose Wednesday after OPEC Secretary General Abdalla Salem el-Badri said there is no need for the Organization of Petroleum Exporting Countries to add more oil to the market, according to Dow Jones Newswires. SAN FRANCISCO – San Franciscans are used to living in one of the nation’s most expensive cities, but even they winced Wednesday as gas prices inched up just as the holiday season approached. Their neighbors to the south, in Los Angeles, weren’t much better off. The two cities recorded the highest gas prices for metropolitan areas nationwide, with San Francisco averaging $3.47 per gallon for regular unleaded gasoline, up 14 cents from a week ago, and Los Angeles recording an average of $3.32 a gallon, according to the Washington-based Energy Information Administration. “There’s nothing to do about it,” said Eve Elbeze, as she filled up her Volvo sedan at a Chevron station in San Francisco, where regular unleaded was $3.60 a gallon. “I’ve got two kids – I certainly can’t bike everywhere with two kids on the handle bars.” 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!
Donegal ETB is delighted that the following experts have agreed to participate in the Employers Panel and we are really looking forward to hearing their wisdom, knowledge and experience at Further Education and Training Fair 2015.Dearbhla Kelly, Guidance Counsellor with Donegal ETB will be chairing the discussion which will start at 10:30am on Thursday the 26th of March in the Mount Errigal Hotel, Letterkenny.Padraig Monaghan has held the position of Managing Director, UnitedHealth Group Global Services Ltd, Ireland since August 2006 and Senior Vice President, Government Claims Operations since October 2012. Padraig has overall responsibility for claim operations for the Medicare & Retirement, Specialty Benefits and Care Improvement Plus lines of business within the U.S market.UnitedHealth Group (UHG) is the most diversified health care company in the United States and a leader worldwide in helping people live healthier lives and helping to make the health system work better for everyone.They are committed to introducing innovative approaches, products and services that can improve personal health and promote healthier populations in local communities. UnitedHealthcare, is UHG’s Health Benefits platform which serves key markets and geographic regions with a broad range of health benefit products and services for both consumers and benefit sponsors.Currently, over 650 people are employed at the Letterkenny, Co. Donegal site, serving multiple UHG business clients, making it the most diverse and largest site in the EMEA region. In 2006, UnitedHealth Group acquired PacifiCare and the Letterkenny site. Since that time, the business has grown from strength to strength, acquiring new lines of business.Padraig’s teams are located in Ireland, America and India.Prior to joining the company in 2003 he held various Senior Operations role during his 12 years at Intel Corp mainly specializing in Wafer Fabrication Facility start-ups.Padraig holds a degree in Materials and Engineering Technology from the University of Limerick and he is also a qualified teacher of Engineering.Padraig is a member of the Irish Business and Employers’ Confederation Regional Executive and is a Board Member of the Ireland Chamber of Commerce, North West Division. Catherine Monahan has been the Human Resources Manager at Lough Eske Castle, managed by Horst Schulze and the Capella Hotel Group, from its opening in December 2007.The historic Lough Eske Castle is a luxury five star castle resort located on a secluded lakeside estate just outside Donegal Town.Lough Eske Castle has received numerous awards since opening in 2007 and is the only Irish hotel to claim a World Luxury Hotel Award, having been awarded the World’s Best Luxury Country Hotel title for the past five consecutive years.With a background of over 20 years in HR Management, Catherine’s role is to oversee the management of 160 employees within Lough Eske Castle and she is also a member of the Senior Executive Team. Catherine’s industry career includes 5 years as HR Manager with Abhann Productions, producers of Riverdance, and their sister television production company, Tyrone Productions, run by John McColgan and Moya Doherty.She has also worked in HR with Coates Viyella Branded Menswear in Northern Ireland and Our Ladys Hospice in Harolds Cross Dublin.Catherine returned to Donegal in 2006 and worked with the Donegal Town Community Chamber for a year before joining Lough Eske Castle.Catherine has a BA in Business Studies from the University of Ulster and a BA in Human Resources Management from the National College of Ireland. She is a Chartered Member of the Institute of Personnel and Development.Declan McBrearty is General Manager of the KER Group with responsibilities for Accounts, Purchasing, Retail & Services within the Group.KER Group specialises are specialists in a wide range of engineering services to the offshore industry particularly the Marine and Oil & Gas sectors.They offer services to a variety of industries nationwide including those in the marine, hospitality and retail, oil and gas and environmental and commercial sectors.KER Group core services include electrical installations and repairs, refrigeration and air conditioning, Total fish handling solutions, Water Treatment, Fabrication/Welding and Boast/Engines/Chandlery.KER Group employs 35 full time staff which include a team of 20 qualified field engineers and prides itself on building long term relationships with its customers.Declan joined the company when he finished secondary school in 1999, gained his apprenticeship in the Electrical trade and held the post of Electrical Engineer.In 2008 he was promoted to Operations Manager with responsibility for Customer Relations and the planning of work schedules for the field Engineers.In 2011 after a restructure within the organisation he was promoted to General Manager. There are 40 people employed in KER Group and while a number are based locally, others are Field Engineers that operate locally, nationally and internationally as required.KER Group are approved employers of apprentices in a number of trades including Electrical, Refrigeration, Metal Fabrication, and Mechanical Automation & Maintenance Fitting and continue to support the National Apprenticeship System in partnership with SOLAS and Donegal ETB.Declan Thomas is an Industrial Relations and Human Resources Executive with Ibec and is based at Ibec’s North West office in Donegal Town.Ibec is Ireland’s leading provider of employment law and industrial relations expertise, with services encompassing representation, negotiation, HR management, training and advice.Ibec provides a national voice for business in a wide range of direct services to its 7,500 member companies nationwide.Declan has vast experience in Industrial Relations, Human Recourses and Employment Law and is responsible for delivering professional advice and advocacy services to employers in the North West Region.Declan is also a qualified Solicitor with wide-ranging experience having worked at Reid and Sweeney Solicitors Ballyshannon. Declan previously was Human Resource Manager at ProTek Medical Limited, Sligo.MEET THE EXPERTS ON THE EMPLOYERS PANEL AT DONEGAL ETB TRAINING FAIR was last modified: March 23rd, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:BusinessETBnews
GLENDALE – A protest is planned for today at the offices of CIGNA, as a teenage girl’s parents call on the insurance company to pay for a liver transplant for their daughter. Nataline Sarkisyan, 17, of Northridge is in the intensive care unit at UCLA Medical Center in Westwood, and her mother says she has been in a vegetative state for three weeks. Nataline will die without the transplant, said her mother, Hilda Sarkisyan. Nataline was diagnosed with leukemia at age 14, and after two years of treatment the cancer went into remission, Hilda said. But this summer it came back. “Cases such as this are not decided based on cost, but rather on the medical appropriateness of treatment,” the statement said. “There is an appeals process in place whereby physicians who are not with CIGNA review a case and provide another viewpoint on the appropriateness of treatment.” The Sarkisyans have filed an appeal with the California Department of Insurance, but the agency on Monday sent a letter saying it needs more information. Hilda said she is happy with the care her daughter has received at UCLA Medical Center since being admitted Nov. 12, suffering from jaundice because of her liver failure. But Hilda said her daughter has gotten worse and now has an inflammation in her lungs. “Now we went backward, and we have to wait for her lungs to clear, and I hope they clear, and I’m praying every minute and every day for her lungs to clear,” Hilda said. Shum Preston, spokesman for the California Nurses Association, said several dozen people are expected to protest today at the CIGNA offices – including nurses, Nataline’s family and members of the Armenian-American community. firstname.lastname@example.org 818-546-3304160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREWhicker: Clemson demonstrates that it’s tough to knock out the champWhen doctors said Nataline could use a bone-marrow transplant, the Sarkisyans discovered that her only sibling, Bedig, 21, was a match, and he donated his bone marrow the day before Thanksgiving. But Nataline developed a complication from the bone-marrow transplant and, because her liver was failing, doctors recommended a transplant, according to an appeal letter sent to CIGNA earlier this month. But doctors said in the letter that CIGNA denied the transplant, saying Nataline’s plan does not cover “experimental, investigational and unproven services.” The Philadelphia-based CIGNA said Wednesday that federal privacy law prevents it from confirming whether Nataline has insurance with the company. But, in an e-mail statement, the company said the Sarkisyans have options: