Under what type of plan is your denied life insurance claim? Knowing the type of policy and the laws that govern it is key to overturning a denial.
If your life insurance claim is denied with no valid basis or justifiable cause, you have a legal right to dispute the denial. Contesting an insurance company’s decision must be handled properly, which is why it is critical to have an experienced life insurance lawyer fighting for you.
Denied Individual Life Insurance: State Bad Faith Insurance Law
You may have purchased a life insurance policy on your own from the insurance company. These claims are considered private or individual life insurance claims, and are regulated under state insurance laws regarding bad faith and contract law. These laws are designed to protect the insured and beneficiaries from unfair practices by insurers.
When insurance companies use deception, or refuse to pay a claim with malicious intent, or in any other way refuse their duty to honor their life insurance contract in good faith, they are acting in bad faith and are not dealing fairly with you.
Many such claim denials can be resolved without litigation. Our attorneys strive to reach resolution in this manner by effectively negotiating with the insurer. If an insurer will not agree to settle out of court, our attorneys are prepared to aggressively litigate for maximum recovery and damages. We can help you sue for death benefits owed, as well as damages for emotional distress, consequential damages, attorneys’ fees, punitive damages under state law and other possible damages.
If you believe unfair dealings are behind your denied life insurance claim, consult a life insurance lawyer. State law or the terms of your policy will restrict when you can file a lawsuit, and delays may negatively impact your case in other ways as well – so act quickly.
Denied Group / Employer-Sponsored Life Insurance: ERISA Law
If your life insurance policy is provided by an employer, a whole new set of rules apply. These rules are complex federal (not state) laws known by the acronym “ERISA” which stands for “Employee Retirement Income Security Act.”
In ERISA-based life insurance denials, you may appeal the denial through what is known as the administrative appeal process. If this process is not handled properly, further chances for a favorable outcome can be restricted or terminated.
Our law firm is highly qualified to appeal and litigate group life insurance benefits that fall under ERISA requirements. Getting fair and just results for the beneficiaries and families we represent is our mission. ERISA appeals and, when necessary, ERISA lawsuits are a crucial part of this goal and is an undertaking that we embrace with skill and diligence.
Legal Help for Private and ERISA Life Insurance Denials
In some cases, simply advising the insurer that an experienced life insurance attorney will take over your claim is enough to cause the provider to reconsider its decision and pay the benefits you should receive.
Other times, forceful legal action must be taken. Our life insurance denial lawyers have the resources and skills to successfully fight for your rights to life insurance benefits from the administrative appeals process all the way to a lawsuit in federal court.
In difficult times when those left behind struggle to accept the loss of a loved one, an insurer’s unfair conduct can devastate a family economically and otherwise. Our practice is dedicated to helping people get properly compensated by unprincipled insurance companies.
Denied life insurance? Let us review your case for free.
If you are the beneficiary of a life insurance policy and were wrongly denied benefits, do not give up without a fight.
Contact an experienced attorney at Marc Whitehead & Associates. For over 20 years, our firm has represented clients across the U.S. against the nation’s largest and most powerful insurance companies. We have litigated and appealed hundreds of bad faith insurance and ERISA life insurance denial matters.