If you’re facing a life insurance claim denial, chances are you’re going through a very rough time in life. Someone you loved named you as the beneficiary of their life insurance policy and now they’ve passed away. On top of the grief you’re experiencing, you’ve received a letter in the mail from that person’s life insurance company telling you that your claim for benefits has been denied. Some days, it probably feels like too much to bear.
What many people don’t know, however, is that there are lawyers (like us) who specialize solely in the wrongful denial of life insurance claims. Our firm, for example, will provide you with a no-cost consultation. If we agree that the life insurance company wrongfully denied your claim, we will represent you in proceedings against the insurer at no upfront cost to you. In fact, you won’t pay us a dime unless and until you recover money from the life insurance company.
So, what can a specialized lawyer bring to the table that other lawyers cannot?
Can a life insurance company deny a claim?
If you had a heart condition, you’d probably want to go see a cardiologist instead of a general practitioner, right? It’s almost a no-brainer. The cardiologist has specialized knowledge and experience that makes her particularly well-suited to deal with your medical situation.
The same can be said for lawyers. By choosing to specialize in life insurance claim denials, we have gained knowledge and experience that other lawyers simply don’t have. We’re extraordinarily familiar with policy language, exclusions, and carefully-worded claim denial letters that are meant to confuse beneficiaries and, frankly, to scare them away from pursuing valid claims.
We’re also well-versed in the processes and procedures required to contest a life insurance claim denial. For example, some insurers require beneficiaries to go through an appeals process with an internal panel before filing a claim in court. We’ve been in front of those panels so many times that we’re familiar with the players, the arguments that appeal to them, and the chances that your particular claim denial will be overturned by them.
Should your situation require that we file a lawsuit against the life insurance company in a court of law, you’ll also have a leg up with an attorney who specializes in claim denials. The truth is, life insurance is a multi-billion dollar industry. The company that has denied your claim has piles of money to throw at large, sophisticated law firms who specialize in defending their interests in court. We’ve gone up against the biggest and the brightest and, through the years, we’ve beat them all at their own game. We’re not intimidated by their money, their games, or their delay tactics. All we care about is getting you the best result possible.
We deal with legal concepts specific to this industry all the time
There is also a built-in efficiency that comes with hiring lawyers who specialize in life insurance claim denials. Because we practice in this area of the law exclusively, we’ve become very familiar with the legal concepts that govern your claim denial.
While you can certainly hire a general business lawyer to handle your case, that person will need to spend a great deal of time and money researching the law that applies to your claim. A specialized lawyer, on the other hand, will be intimately familiar with the legal concepts that impact your case and will likely need only to ensure that he has read the most current cases that have been decided on that issue.
Moreover, specialized firms like ours subscribe to all sorts of insurance law journals and magazines that keep us up to date on the latest developments in the field. In most instances, a generalized lawyer won’t have effortless access to those key materials. And sometimes, it is that up-to-the-minute knowledge that makes or breaks a case.
Finally, we have developed strong relationships with relevant expert witnesses from all over the country. If your case requires expert testimony, chances are we won’t have to spend the time and money going on an exhaustive search for the right person. More than likely, they already exist in our proprietary database of experts.
We have a track record of success with all sorts of claim denials
As a final point, we’re confident that we’ve already litigated the particular justification the life insurance company has given for your claim denial. Whether they’re invoking the drug exclusion, alcohol exclusion, or inherently dangerous activity exclusion, we’ve successfully overcome those issues many times before. Moreover, we’ve successfully contested more “material misrepresentation” cases than we can count.
Importantly, we’ve also faced the sometimes delicate situations that arise in the context of life insurance claim denials. We know that cases involving suicide, alleged drug overdoses, or autoerotic asphyxiation can be as embarrassing for beneficiaries as they are devastating. We handle such cases with the grace and deference that surviving loved ones deserve. We also don’t allow the insurance companies to drag your loved one’s memory through the mud as part of the process. These are the nuances that really matter when you’re going through such a difficult situation.
If you or someone you love has had a life insurance claim denied, it would be a wise move to call an attorney specializing in this area of the law. Over time, we’ve seen life insurance companies take advantage of innocent beneficiaries who are often too scared or too bereft to fight a claim denial on their own behalf. Unfortunately, that typically means that they leave thousands and thousands of dollars on the table.
We don’t stand for that result. We also won’t waste your time, however. During our initial consultation, we’ll review your situation thoroughly and will only take your case if we believe we can take on the life insurance company and win. As noted, that consultation comes at no charge to you whatsoever. Call us today. We’re here to help.