In this video Marc Whitehead, a Board Certified Disability Attorney, explains what do do if your Life Insurance Claim has been denied.
The dispute of a Life Insurance claim can make an already devastating event that much worse. Life Insurance policies are purchased to protect and provide for our families by taking care of the ones they’ve left behind. A denied claim is the last thing beneficiaries expect when they are dealing with the death of an insurer.
Insurance Companies have a staff of actuaries and accountants whose job is to calculate risk when they issue a life insurance policy. However, when an insurance company denied an insurance claim they’re counting on the fact that you will not legally dispute the insurance denial. If the life insurance policy was purchased as a part of an employee group benefits plan your claim can be further complicated by a Federal Law known as ERISA- Employee Retirement Income Security Act.
ERISA provides insurance companies many ways to delay or deny valid life insurance claims. The hope of a profit has lead to tactics used by insurers to delay or deny life insurance coverage with accusations of fraud or misrepresentation on the part of the policy holder. Often they will look for policy exclusions that would theoretically allow them to deny the claim. It’s recommend that beneficiaries do not attempt to appeal these cases without the help of a qualified legal counsel. If an insurer has unjustly denied your claim on a valid policy. We can help you dispute the insurance denial.
Marc Whitehead & Associates is a National Disability Law Firm representing disabled individuals on all 50 states with over 20 years of experience fighting for our clients.