Life Insurance Litigation


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. However, when these life insurance benefits are wrongfully denied, litigation may be necessary to resolve the dispute.

​If your 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 for successfully disputing a denial of life insurance benefits. We have the experience and knowledge to guide you through these obstacles. Our life insurance attorneys represent clients with ERISA and private life insurance claims and disputes.

ERISA Life Insurance Claims

​​Similar to disability policies, if life insurance is employer-provided, it may be governed by ERISA. If your life insurance claim is denied, you may have to file an appeal directly to the insurance company. Our firm handles these appeals on a national basis. If the life insurance appeal is denied, we are able to file a lawsuit on your behalf, normally in federal court.

Our ERISA appeals attorneys place a lot of attention and focus on the appeals process. This is due to the fact that we understand how important it is to any given case. The appeals process increases chances that the insurance company will reverse their denial and grant benefits, and, if the case ultimately goes to court, the court will look heavily upon evidence submitted to the insurance company during the administrative appeals process. So it is to your advantage to submit as much relevant information as possible for the record.

Private or Non-ERISA Life Insurance Claims

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.

Contact Our Experienced Life Insurance Attorneys

For more information about our life insurance litigation services, call our life insurance attorneys at 401-331-6300 or complete the contact form on this website.