Life Insurance Denial & Dispute Legal Services.
Put our expert attorneys on your side.
When issues related to life insurance arise, you may not know where to start if you need to make a claim or appeal a denied claim. Even a task that at first you expect would be simple is often complicated by life insurance companies’ complex procedures and processes.
If you need help with a life insurance issue, Life Legal is here for you.
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Our Practice Areas
Life Insurance
Get the benefits you deserve.
Clients dealing with life insurance companies generally feel like they are in over their heads. To make matters worse, they’re often coping with a chronic or terminal diagnosis, facing significant hardship, or grieving a tragic loss, and they simply need some help. That’s where Life Legal steps in.
The services our life insurance attorneys provide focus on issues surrounding life insurance, accident death and dismemberment insurance, critical and chronic care insurance, and accelerated death benefits. Our life insurance dispute lawyers provide a variety of legal services on a contingency fee basis to help clients deal with life insurance companies.
We’re dedicated to providing quality legal help in a client-centered, responsive way.
Accidental Death or Dismemberment
Let us handle the claim and appeal process.
Accidental death and dismemberment policies have a unique set of exclusions when compared to traditional life insurance policies. Because these policies are more restrictive—covering only deaths or dismemberment injuries that result from an accident—insurance companies may take advantage of the limited scope of the policies to deny your claim. These circumstances make it essential to have the help of an experienced accidental death lawyer.
Whether an insurance company argues that the insured individual’s death or dismemberment was not due to an accident or that it falls under an exclusion, you will have to prove otherwise. At Life Legal, we will take on this burden of proof by conducting comprehensive legal and medical research, gathering and reviewing medical records, and more. We understand how vital accidental death and dismemberment policy benefits can be to you or your family, and we will do everything in our power to help you get the benefits that are rightfully yours.
Critical or Chronic Illness
It’s your right to fight back.
A serious or chronic illness can leave individuals and families with heavy financial burdens that the benefits of a critical illness insurance policy can help relieve. Unfortunately, some insurance companies will leverage the exclusions and restrictions that critical illness insurance policies contain to deny claims and withhold benefits.
At Life Legal, our critical or chronic illness life insurance lawyers know that fighting with an insurance company is made all the more difficult when you’re also fighting for your physical and financial health. When a life insurance company deems your diagnosis as “unlikely to impact the mortality rate of the insured” and denies your claim, you don’t have to go up against the company alone. We’ll put all of our experience, knowledge, and skills to work on your behalf while you focus on your recovery.
Assistance with ERISA Claims
If you are dealing with a delayed or denied life insurance or long-term disability insurance claim on a policy offered through an employer or employee group, it’s important to have an experienced ERISA attorney representing you.
ERISA—the Employment Retirement Income Security Act of 1974—dictates a specific procedure for appealing denials of insurance claims made on employer- or group-provided policies. Although ERISA was intended to help protect employees’ and beneficiaries’ legal rights, they often encounter challenges when they attempt to recover the benefits they legally deserve.
At Life Legal, we know how to navigate complex ERISA laws and give you your best chance of winning an appeal. If your benefit claim was denied, get in touch with our ERISA attorneys before you file an appeal.
Life Legal can help if you:
- Have a life insurance claim that has been denied
- Have a denied claim for life insurance or long-term disability insurance benefits on a policy provided through an employer or employee group (ERISA)
- Have a life insurance claim that has been delayed
- Want to dispute the beneficiary designation on a life insurance policy after the death of the insured
- Have been told by an insurance company that you are going to be involved in an interpleader action due to a beneficiary dispute after the death of the insured
- Feel that you have been wronged by a life insurance company and would like to take action with the help of a bad faith insurance lawyer
Our Services
Expediting Delayed Insurance Claims
After the death of an insured, a beneficiary may make a claim for life insurance benefits. Life insurance companies often delay the claim process by requesting documentation several times, failing to review the claim documents in a timely manner, or by lack of communication with the beneficiary. Life Legal will step in to expedite the process by conducting regular and thorough follow-ups with the insurance company, providing any requested documentation, re-routing information, and answering any questions the insurance company may have. This is a contingency fee service.
Appealing Denied Insurance Claims
After the death of an insured, a beneficiary may make a claim for life insurance benefits and will be denied by the insurance company for a multitude of different reasons. Oftentimes, a beneficiary may feel like they have no other options to pursue the life insurance benefits, or they may simply be exhausted by the prospect of continuing to fight with the insurance company. Here at Life Legal, our attorneys will fight your denied life insurance claim by gathering all relevant information, expert reports where necessary, conducting legal research, and writing a substantive appeal letter to the insurance company. When necessary, Life Legal will take the insurance company to court to get you the life insurance benefits lawfully owed to you. This is a contingency fee service.
Life Insurance Lawyer FAQs
A life insurance lawyer is your advocate during the life insurance claim benefits process. Many clients have already experienced the loss of a loved one and now are dreading a fight with an insurance company. Others have experienced the delays and excuses insurance companies use to deny or underpay a claim and they need our help to get the matter favorably resolved. No matter where you are in the process, it’s okay to get some advice. We’re always available to review your case and help chart a path forward.
Life Legal provides our services on a contingency fee basis. A contingency fee means that we won’t be paid unless we recover money for our clients. We shoulder any initial costs like medical records searches or hiring experts and will only earn our fee if we win. We want to make sure our clients don’t have to worry about the cost of life insurance disputes and rather can hire someone they trust to professionally manage their case from start to finish.
Absolutely. The truth is, most cases we handle can be resolved outside of the courts. The life insurance company knows we are fully prepared to take them all the way to court in order to get a fair compensation for our client so they will generally be open to trying to settle. We prepare each case as if it’s going all the way to trial from the get-go so that we have all of the information at hand to present the best case possible and steer towards an efficient resolution. Whenever a life insurance company refuses to offer everything our clients deserve, that’s when our life insurance dispute lawyers can file suit on our clients’ behalf.
The length of time a case takes to resolve varies greatly. Even though having a life insurance dispute attorney on your side can really speed up the process and light a fire under the insurance company, there are still many different variables at play. Our team has worked this unique practice area exclusively which means we’re pretty efficient at the process. We’ll work to build a strong case from the beginning in order to get your life insurance benefits claim dispute resolved as quickly as possible.
Definitely. It seems like many life insurance companies these days will throw out a blanket excuse for denying a claim in the hopes that the beneficiary will just give up and go away. They might also delay their correspondence with you or even stop talking to you altogether. Whenever you have a dispute with a life insurance company, it can really pay off to have an attorney on your side. Our team takes over the claim and negotiates on your behalf so you don’t have to worry about it. We know that after a loved one passes, the last thing you want to do is be haggling with the life insurance company over benefits that are rightly yours under the policy. If this is happening to you, contact our team for a quick, no-pressure conversation about your rights.
Yes and yes. Life insurance companies are unfortunately notorious for taking a really long time throughout the claims process. They may not return phone calls or emails promptly or even at times fail to respond altogether. Insurance companies are in business to make a profit and part of that is limiting and delaying what they pay out in claims. The truly sad part is that this practice really affects people’s lives in a negative way. Our firm holds life insurance companies responsible for seeing the validity of your claim and providing full and final compensation. If you feel like the life insurance company is dragging their feet on your claim, please contact us however is most convenient for you.