Get Help From a Top Life Insurance Attorney Near Me
The loss of a family member can be emotionally traumatic. If your family relied on the person to bring in income, losing a family member also creates major financial challenges. Life insurance is designed to provide some much-needed support during this difficult time. Unfortunately, when it comes time to collect, many life insurance plan beneficiaries have trouble getting access to the full and fair benefits that they are owed.
At The Garner Firm, you’ll receive assistance from a life insurance lawyer near me with extensive experience handling the full range of life insurance claims. Whether you are bringing a claim against an ERISA-covered life insurance policy or a private, non-ERISA plan, we are prepared to help. To set up a free, fully confidential initial consultation, please do not hesitate to contact our legal team today.
When you file a life insurance claim, you must be sure that you carefully follow all of the claims procedures that are required by your specific plan. If you obtained life insurance through an employer, then your plan is likely covered under the Employee Retirement Income Security Act of 1974 (ERISA). This federal law has specialized rules with which you must comply. If you are covered by an individual plan, other regulations may apply. In either case, you must provide a copy of the policyholder’s death certificate when filing a claim and you must meet all filing deadlines.
If your life insurance claim was denied, it is imperative that you take immediate action to protect your legal rights and financial interests. Under ERISA, claimants should receive a written denial letter that explains the insurance company’s reasons for rejecting the life insurance claim.
While these denial letters are supposed to be clear and provide a comprehensive assessment, they often contain confusing, industry-specific language. Your life insurance claims attorney near me will be able to review your denial letter and explain to you exactly what it means.
From there, your life insurance claims lawyer will be able to help you gather all of the supplemental evidence and records you need to bring the strongest possible appeal. It is crucial that you include all additional supporting evidence with your administrative appeal. The failure to do so could lead to your benefits being delayed, underpaid, or denied.
At The Garner Firm, our life insurance lawyer represents clients in ERISA life insurance claims and non-ERISA life insurance claims. If you need help obtaining life insurance benefits, we are here to help. To arrange a free, no obligation review of your life insurance claim, please call us today at (215) 645-5955.
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