Accidental Death & Dismemberment Lawyer
You don’t have to accept the delay or denial of your accidental death and dismemberment insurance claim without understanding your rights. Our expert attorneys offer free consultations to review your case.
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Many employers offer benefits to their employees. Unfortunately, however, employees routinely have their life insurance and long-term disability claims delayed or denied under employer-sponsored insurance plans—often without good reason. If you are dealing with a delayed or denied life insurance or long-term disability insurance claim on a policy offered through your employer or an employee group, you may have grounds to challenge the denial. However, to increase your odds of a successful outcome, you should enlist the services of an experienced ERISA attorney. When you come to us for assistance, we will do everything possible to obtain a successful result on your behalf. So, if you are facing an insurance claim denial, please contact Life Legal today.
About AD&D Insurance
AD&D insurance is supposed to provide relief after a loved one sustains an accidental death or dismemberment injury. This policy is meant to be a safety net and is often a relatively inexpensive add-on to an existing life insurance policy. Whether purchased as an individual or something your employer offers, the policyholder is entering a contract with the insurance company. Unfortunately, we’ve seen too many cases where the insurance company denies or delays an AD&D insurance benefit payout without any justifiable grounds to do so.
Get Your Claim Moving Again With an AD&D Insurance Lawyer
The law offers remedies for policyholders when insurance companies act in bad faith. Denying or intentionally delaying a rightful claim is an example of bad faith behavior. Our team knows the tactics the insurance companies use in these types of claims and we help formulate the best strategy to seek maximum recoveries for our clients.
Why File an Accidental Death and Dismemberment Lawsuit?
AD&D lawsuits serve a crucial role. Our legal system allows policyholders to file a lawsuit against an AD&D insurance provider when they feel a rightful claim has been denied or is being excessively delayed. Accidental death and dismemberment policies usually have narrow definitions that the insurance company will use as grounds to deny a claim. Sometimes worse, they may drag their feet throughout the process with the hopes you’ll get frustrated and give up.
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The life insurance lawyers at Life Legal have built their careers around holding life insurance companies accountable. When an accident causes loss of life or the loss of a limb, the policy spells out all the details of coverage. Our team looks at the medical facts and what’s written in the policy to strategize a path forward. If you don’t feel like you’re being treated fairly in an AD&D claim dispute, you can talk to an AD&D attorney for free and know your options.
Accidental Death Lawyer FAQs
Unfortunately, there are a lot of people who just take the insurance company’s word for it and give up but we’ve seen too many times to count where a rightful claim was denied. They may try to stretch the definitions of the policy to say the event was excluded or offer no justifiable reasoning behind a denial whatsoever. Whatever the case, our team will utilize our extensive resources to build the strongest case possible. We’ll start the legal groundwork necessary to review the claim denial and can file suit if we believe the other side isn’t providing a fair settlement.
An insurance company is said to be acting in “bad faith” when they intentionally delay or deny a policyholder or their beneficiaries’ rightful claim to the benefits of a policy. We see instances all the time of the insurance company taking forever between each correspondence in effort to stretch out the payout over many months. While this helps pad the company’s bottom line, it can be devastating to a family counting on these benefits to get by after their loved one was hurt or killed in an accident. When an AD&D insurance carrier is acting in bad faith, our attorneys can utilize the remedies available under the law to help hold them accountable.
Accidental death attorneys are skilled in life insurance law. AD&D benefits are usually executed as a supplemental policy or “rider” to a life insurance policy and can offer great protection with the benefits of a payout. However, when these benefits are withheld, either by denial or delay, the beneficiaries can face an uncertain financial future. Your AD&D attorney can represent you and take over all communications with the insurance company to make them see the facts of the case. Most insurance companies will work with us to help reach a favorable settlement, but if they refuse to be fair, they know they’ll see us in court.
The length of time really depends on a number of factors. We work from the start to build a strong case so we can reach a resolution that much faster.
With Life Legal—nothing. We operate on what’s known as a contingency fee basis. This means that we’ll shoulder all of the upfront costs of getting your AD&D benefits case moving forward and you won’t owe us anything unless we recover on your behalf.
AD&D insurance should cover death or injuries caused by an accident per the terms of the policy. When a claim is denied, an AD&D insurance lawyer can take over dealing with the insurance company to help hold them accountable to the policy terms.