Life Insurance Disputes
Life insurance is designed so that if an individual pays premiums throughout a course of years, in the event he or she passes away unexpectedly, then his or her family and loved ones receive some financial security and support. Unfortunately, sometimes these benefits are wrongfully denied, and litigation may be necessary to resolve the dispute.
If your life insurance policy was provided by an employer, it may be subject to the Employee Retirement Income Security Act (ERISA). If so, there may be significant hurdles and pitfalls preventing you from successfully disputing a denial of benefits. We have the experience and knowledge to guide you through these obstacles. We represent clients with ERISA and private life insurance claims and disputes.
ERISA LIFE INSURANCE CLAIM DENIALS
Similar to disability policies, if life insurance is employer-provided, it may be governed by ERISA. If your claim is denied, you may have to file an appeal directly to the insurance company. Our experienced ERISA attorneys handle these appeals on a national level. If the appeal is denied, we are able to file a lawsuit on your behalf, normally in federal court.
We place a lot of attention and focus on the appeals process because it increases chances that the insurance company will reverse their denial and grant benefits. Also, if the case ultimately goes to court, the court will look heavily upon evidence submitted to the insurance company during the administrative appeals process. It is to your advantage to submit as much relevant information as possible for the record.
If a life insurance policy is private or non-ERISA, it is considered to be a contract just like a private disability policy and the insurer can be sued and held liable for improperly withholding death benefits. Consequential and punitive damages also apply.
If your life insurance benefits have been wrongly denied, call or fill out the contact form on this page to connect with one of our experienced life insurance attorneys.