Your life insurance claim was denied. We fight to get it paid.
Kadetskaya Law Firm, LLC represents beneficiaries and policyowners whose life insurance claims have been wrongfully denied or delayed. We have recovered millions — including a $1.1 million interpleader settlement and a $1 million lapsed policy recovery.
Free consultation — no fees unless we win
Free consultation — no fees unless we win
What our clients say
TESTIMONIAL 1:
"Tatiana came to our rescue. She called me within minutes of leaving my message online. Within months, my mother was able to receive her life insurance payment."
— Client, life insurance denial case
TESTIMONIAL 2:
"I was told by other attorneys not to expect the insurance company to award the claim. Tatiana cited case law and expert witness assessment in the appeal — the insurance company immediately awarded the full policy amount."
— Client, ERISA denial case
TESTIMONIAL 3:
"I fought the insurance company for over a year then found Tatiana. Not only did the insurance company pay the accidental death claim, she also found other money rightfully mine. She gave me hope and changed my life."
— Client, accidental death claim
TESTIMONIAL 4:
"Tatiana was responsible for positively settling a case I had all but given up on. Results moved along rapidly compared to my previous lawyer. Results were better than I ever expected."
— Client, denied life insurance claim
Focused on Disputed Life Insurance Claims
Our practice concentrates on resolving:
• Denied Life Insurance Claims
Lapse
• Interpleader Lawsuits
• Beneficiary Disputes
• Divorce-Related Denials
• ERISA Life Insurance Denials
Accidental Death Claim Denials
We handle cases involving:
Individually purchased policies
Employer-provided group policies
Large six- and seven-figure death benefits
If your claim has been denied or delayed, do not assume the insurer is correct.
Call 888-510-2212
Free Case Review
Getting started is simple
STEP 1:
Call (888) 510-2212
Email: info@life-insurance-lawyer.com
We respond quickly — the same day.
STEP 2:
Free case evaluation
Tell us what happened. We review your denial letter, policy, and circumstances at no charge.
STEP 3:
We go to work
If we take your case, we handle everything — the insurer, the appeal, the litigation if needed.
STEP 4:
You get paid
We only collect a fee when we recover your benefits. No recovery, no fee.
If Your Life Insurance Claim Was Denied:
Do not accept the denial at face value.
Do not rely solely on the insurer’s summary of the policy.
Preserve all documents immediately.
Do not communicate in writing without understanding legal consequences.
Insurance companies evaluate whether beneficiaries will challenge their decision.
Speak with a lawyer
1-888-510-2212
Speak With a Life Insurance Attorney
If your life insurance claim has been denied, delayed, or placed into interpleader:
1-888-510-2212
There is no obligation to retain us after consultation.
But understanding your legal position early can protect significant benefits.
Handling Complex Insurance Disputes
We represent beneficiaries in disputes involving substantial life insurance benefits and complex legal issues.
Whether your case involves:
A denied claim
A beneficiary dispute
A divorce-related beneficiary issue
An ERISA group policy
An interpleader lawsuit
You deserve a clear explanation of your legal options.
1-888-510-2212
Frequently Asked Questions About Denied Life Insurance Claims
1. Can a life insurance company legally deny a claim after someone dies?
Yes — but only under specific circumstances. Common reasons include alleged misrepresentation during application, policy lapse arguments, beneficiary disputes, or coverage eligibility issues. Many denials are legally challengeable after review of the policy and claim file.
2. What is an interpleader lawsuit in a life insurance case?
An interpleader occurs when a life insurance company files a lawsuit asking a court to determine who should receive the death benefit — often due to competing beneficiary claims. These cases proceed in federal or state court and require immediate legal attention.
3. What if the life insurance policy was provided through an employer?
Employer-provided life insurance policies are often governed by
Employee Retirement Income Security Act of 1974 (ERISA).
ERISA claims have strict appeal deadlines, limited evidence rules, and are usually decided by federal judges rather than juries. Early strategy is critical.
4. How long do I have to appeal a denied life insurance claim?
For ERISA-governed employer policies, beneficiaries typically have 180 days to appeal. Private individual policies may have different contractual deadlines. Failure to appeal properly can significantly affect legal rights.
5. Do life insurance companies reverse denials?
Yes. Some denials are reversed during the appeal process, particularly when the administrative record is properly developed or when coverage provisions were misapplied.
Media/Publications:
Featured on FOX 26 Houston (Texas)
“Many Families Not Applying for FEMA Funeral Coverage”
Tatiana Kadetskaya explains how life insurance policies generally cover deaths due to COVID-19 and clarifies common misconceptions about policy coverage and grace periods in the context of pandemic-related claims.
Watch the full interview
Featured In:
Investopedia — Quoted on accelerated (living) benefit denials and what policyholders must prove for approval. Read more.
InsuranceNewsNet — Byline: “Not All Life Insurance Policies Cover COVID-19 Deaths” (Expert Insights). Read more.
One Stop Life Insurance
Foreign death life insurance claims — documentation challenges, insurer scrutiny, and claim investigation issues. Read more.Kroetz v. John Hancock Life Insurance Company — Plaintiff’s attorney on class action alleging life insurance policy notice violations. Learn more.