Helping Clients Obtain the Life Insurance Benefits They Deserve

Many people have life insurance policies, hoping they will be able to provide for and protect their loved ones when they pass away. Many families rely on life insurance benefits to cover costs and expenses following the death of a loved one. Unfortunately, many families have their situation become even more stressful when they learn their life insurance claim has been denied. If you received a denial of your claim, you should consult with a Moorestown Township life insurance denial lawyer as soon as possible. Some life insurance policies are purchased privately, while others are provided by employers and governed by the Employee Retirement Income Security Act of 1974 (“ERISA”). While ERISA plans might lead to more claim denials, any type of life insurance claim can be denied for a variety of reasons. The Garner Firm helps clients appeal wrongful claim denials and fight for the life insurance benefits they deserve. Contact our office directly for more information about how we might help in your situation.

Common Reasons for life Insurance Denials

Like any insurance company, life insurers aim to limit benefits and payouts to claimants as much as possible. They have many reasons why they might deny a claim that you believe to be valid, including the following:

  • The insured passed away within a short timeframe, leading to an investigation of the claim
  • No beneficiary was named, or there is a dispute over who the designated beneficiary should be
  • The beneficiary did not follow the right procedures to file the claim or failed to provide the proper information
  • The insured’s cause of death was excluded from coverage by the policy

For example, some life insurance policies will not cover death by suicide or a death to which the deceased somehow contributed. 

Appealing Your Denial

Fortunately, an initial denial is not the final word on whether you will receive benefits or not. There are different ways to appeal a denied claim, depending on the details of the specific policy. You should always have an experienced attorney review the denial to determine the best course of action in your case.  Some claims can be appealed to the company itself, and you only have a short period of time to file this type of administrative appeal. If your administrative appeal is unsuccessful, you might be able to file a lawsuit against the insurance company. If the policy is governed by ERISA, this lawsuit will likely be filed in federal court. You want to have the right ERISA life insurance litigation attorney handling your case. 

Contact a Moorestown Township Life Insurance Denial Lawyer as Soon as Possible

Ar The Garner Firm, we know that many life insurance denials are wrongful, and we fight to obtain the benefits our clients deserve under the law. When you are grieving a tragic loss, the last thing you need is to deal with life insurance complications. Instead, contact us to speak with a Moorestown Township life insurance denial lawyer today.

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