Cherry Hill Township Life Insurance Appeals Attorney

ERISA • Employment Law

Cherry Hill Township Life Insurance Appeals Attorney

Life insurance policies are generally meant to protect and provide for loved ones in the event of a death. If a policyholder pays their premiums as required during their life, surviving family members or other beneficiaries should expect to receive the agreed-upon payment should the policyholder pass away. Unfortunately, many people have learned the hard way that life insurance companies do not always provide benefits as they should. 

If you are the designated beneficiary of a life insurance policy, receiving a denial letter of your claim can be devastating. You are already facing a difficult time, and now you are denied the payment you expected. It can be difficult to know what to do next, but know that a Cherry Hill Township life insurance appeals attorney is here to assist you. Contact The Garner Firm, Ltd., for more information about your appeal today. 

Why was Your Life Insurance Claim Denied?

Life insurance claims are similar to any other type of insurance company – they will often deny claims whenever they can to maximize profits. There are several different reasons why life insurance claims are denied, such as the following:

Misrepresentations on applications – Some people might provide inaccurate information when they apply for life insurance coverage. This can often include information about illnesses, existing health conditions, lifestyle choices, and more. If the life insurance company believes there was a material misrepresentation on the application, it can render the policy invalid, and the company can refuse to provide coverage. 

The policyholder allowed the policy to lapse – In order to keep a life insurance policy active, the policyholder must ensure they make payments as required by the policy. If they fail to make payments, the policy can lapse, and coverage will not be provided. In some situations, policyholders can reinstate lapsed policies, and the company might wrongfully treat the policy as lapsed when it is time to pay benefits. 

The cause of death was excluded by the life insurance policy – Life insurance policies do not automatically cover every death, as each policy will specifically exclude certain causes of death from coverage. These causes often include:

  • Suicide
  • Participation in risky or hazardous activities
  • Criminal activity
  • Driving under the influence of alcohol or drugs
  • Pre-existing health conditions
  • Pregnancy or childbirth
  • Natural disasters

Appealing Your Denial

Though a denial letter can be disheartening in an already emotional time, know that many life insurance companies wrongfully deny claims. It is always worth it to discuss the possibility of an appeal with an experienced attorney who handles life insurance claims. The appeal process will differ depending on your specific situation, but it can involve appealing directly with the insurer, filing a lawsuit, and more.

Seek Help from a Cherry Hill Township Life Insurance Appeals Attorney Right Away

If your claim for life insurance benefits is denied, you should not hesitate to consult with a Cherry Hill Township life insurance appeals attorney at The Garner Firm. Contact us directly so we can evaluate your options for seeking the benefits you deserve.

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Mr. Garner is an ERISA employee benefits and employment attorney with over a decade of experience. The laws governing employee benefits, the employment relationship, and the workplace are complex.

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(215) 645-5955

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