Denied Life Insurance Claim? Here’s What to do Next
Facing a denied life insurance claim can be a challenging and disheartening experience – especially while going through the loss of a loved one. However, it is important to remember that the claim doesn’t end there. There are important steps you can take to understand the denial, explore potential avenues for appeal, and file suit if necessary.
- Request a written denial letter from the insurance company.
Insurance companies are required to provide a clear explanation for the denial, detailing the specific reasons and policy language for their decision. Understanding the grounds on which you claim for death benefits was denied will help assess your options and formulate a plan of action.
2. Gather Evidence & Take Notes During Any Conversations with the Insurance Company.
If the denial seems unjust or unclear, consider gathering additional evidence to support your claim. This could include the death certificate, policy, medical records, payment records, notes, and/or any other documents that may be related to the claim.
- Contact a Life Insurance Lawyer and/or Law Firm to Review the Denial and Explore Potential Basis to Appeal the Denial and/or File Suit.
Call 484.604.9488 for a free consultation today.
Consulting with an attorney who specializes in insurance claims can provide invaluable assistance. Attorneys experienced in insurance law can help you navigate the complex legal landscape, interpret policy language, and determine the best course of action for your specific situation and claim.
When choosing an attorney, look for someone with expertise in life insurance and/or accidental death & dismemberment (AD&D) insurance claims with a proven track record of success. Schedule a consultation to discuss the details of your case and explore potential legal strategies. An attorney can help you under your rights, negotiate with the insurance company on your behalf, or even pursue legal action if necessary.
- Act Promptly.
It is crucial to act promptly. There are often time limits for filing appeals or legal actions after a denial. Delaying may jeopardize your ability to challenge the denial and protect your rights effectively.
Remember, you are not alone in this process and a denied life insurance claim doesn’t have to be the end of the road. By understanding the reasons for denial, gathering evidence, and seeking legal assistance, you can navigate the complexities of this process and have someone fight for your rights and work towards a fair resolution. Taking proactive steps is essential in pursuing the financial security your loved ones intended when obtaining the life insurance coverage.
At Life Legal Services, all we do is fight for beneficiaries of life insurance, AD&D insurance and critical illness insurance policies against insurance companies that place profits over claim payments. Using our firm to fight for the benefits you are owed will cost you nothing up front, nothing throughout our representation, and nothing at the end unless we are successful. When we take on your case, we are committing our skills and experience along with all our resources to fight on your behalf. Contact Life Legal Services today to set up your free, no-obligation consultation and start fighting back for the benefits you are owed.
