Our client called us to discuss her denied life insurance benefit following the untimely death of her son. Her son worked for a company that provided group life insurance coverage with a conversion privilege. However, when the insured’s employment ended due to his illness, neither the employer nor the insurance company sent him a conversion notice. He was too ill at the time to investigate his options and died soon after. The insurance company denied our client the right to file a claim!

We filed a demand for payment with the insurance company, disputing the insurer’s decision not to allow our client to file a claim. The insurance company quickly agreed and promptly paid the claim with interest. Our client was very pleased with the fast outcome in her favor.

Our clients called us to discuss their denied accidental death claim following the untimely death of their father, who died in his home when he fell and hit his head on the hard floor in the bathroom. The insurance company denied the claim by alleging that the prescription medications exclusion applied, stating that the insured died from an overdose of his prescription medications and not as a result of the fatal fall.

We filed a timely appeal with the insurance company and disputed the assertion that the insured’s prescription medications or his misuse of the medications caused his death. The insurance company reversed its denial on appeal and promptly paid the claim with interest. Our clients were very pleased with the fast outcome in their favor.

Our client called us to discuss his denied ADD claim following the untimely death of his wife. His wife worked for a company that provided group life insurance coverage with accidental death benefits. Tragically, she died when her car suddenly rolled over and hit a concrete median. The insurance company denied the claim by alleging that the commission of a misdemeanor exclusion applied. The insurance company claimed that the insured failed to maneuver a curve in the highway and would have been issued a citation had she survived the accident.

When our attorney took over the case, she filed a timely appeal with the insurance company. The insurance company reversed its denial on appeal and promptly paid the claim with interest, including airbag and seat belt benefits.

Our client called us to discuss his denied accidental death claim following the untimely death of his mother. His mother worked for a company that provided group life insurance coverage with accidental death benefits. Tragically, she died when her car collided with a large truck while she was driving to work. The insurance company denied the claim by alleging that the drunk driving exclusion applied.

When our attorney took over the case, we uncovered other factors that caused the accident. We filed an appeal and the insurance company reversed its denial and promptly paid the claim with interest, including airbag and seat belt benefits. Our client was very pleased with the fast outcome in his favor.

Our client called us to discuss her delayed accidental death claim following the death of her husband, who died when he fell and hit his head on the hard floor in the bedroom.

The insurance company had been reviewing the claim for more than 8 months without providing any estimate about when the payment would be made. The insurance company suggested that the insured’s illness caused his fall and ultimate death, and it could possibly deny the claim based on the sickness exclusion. When our attorney took over the case, we were able to show that the insured’s sickness did not cause his death and that the sickness exclusion should not apply to deny the claim.

The insurance company promptly paid the claim with interest. Our client was very pleased with the outcome in her favor.

Our client called us when the insurance company unfairly delayed her claim for 6 months. Even though she was the beneficiary on her deceased partner’s group life insurance policy, his ex-wife challenged the beneficiary designation which caused a lengthy investigation and delay. The conflicting requirements of ERISA and state divorce law made the case legally complex. Our client’s financial reliance on the policy and the insured’s ex-wife’s claims for the same amount were challenging to navigate without a lawyer.

When our attorney filed her representation, she was able to quickly sort through the conflicting laws and recover the full amount for the client. Our client was very pleased that she recovered the full amount of the policy while not dealing directly with the emotionally challenging situation.

Our client called us to discuss her delayed accidental death claim following the untimely death of her husband. Tragically, he died when his motorcycle collided with a dump truck. The insurance company delayed the claim for more than eight months, alleging that the insured was driving under the influence of cannabis at the time of the accident. The insurance company further claims that the husband was illegally using cannabis and that his use of cannabis caused the accident and his ultimate death!

When our attorney took over the case, we discovered that the illegal substance exclusion should not have been applied to this case. We also uncovered that the insurance company did not do a proper investigation before it denied the claim. The insurance company paid the claim with interest. Our client was very pleased with the fast outcome in her favor.

Our client called us to discuss his denied life insurance claim following an untimely death of his brother. His brother worked for a company that provided group life insurance coverage with a conversion privilege. However, when the insured retired, neither the employer nor the insurance company sent him a conversion notice.

When our attorney took over the case, we discovered that at the time of the insured’s retirement the insurance company was in the process of implementing a new computer system that malfunctioned and failed to send conversion notices. Shockingly, the insurance company knew of this issue before our client filed his claim but decided to deny his claim anyway! The insurance company reversed its denial on appeal and promptly paid the claim with interest. Our client was very pleased with the fast outcome in his favor.

Our client called us after her husband died in a tragic accident and the insurance company denied her accidental death claim. The insured in this case was a new gun owner and was in the process of cleaning his gun when it accidentally discharged and fatally shot him. The medical examiner report and the death certificate stated that the cause of death was undetermined.

The insurance company conducted their own investigation and concluded that the insured died due to a suicide. Since his accidental death policy did not cover suicide, our client’s claim was denied. Our law firm was able to dispute the insurance company’s findings proving that there was no conclusive evidence of suicide. The insurer overturned the denial and paid out the full accidental death benefit to our client.

Our client called us to discuss his denied accidental death claim following the untimely death of his mother. His mother worked for a company that provided group life insurance coverage with accidental death benefits. Tragically, she died when her car collided with a large truck while she was driving to work. The insurance company denied the claim by alleging that the drunk driving exclusion applied.

When our attorney took over the case, we discovered that the blood sample used to test the insured’s BAC was taken more than 10 days after her death and could not be relied on. Moreover, our investigation uncovered other factors that caused the accident.

We filed a timely appeal with the insurance company. The insurance company reversed its denial on appeal and promptly paid the claim with interest, including airbag and seat belt benefits. Our client was very pleased with the fast outcome in his favor.

Our client called us after her accidental death claim was denied following her husband’s tragic death. He drowned in the lake when he swam too far trying to recover the ball that was thrown into the lake. The toxicology report revealed presence of Hydrocodone in the insured’s system. Hydrocodone was prescribed to him to treat back pain. The insurance company denied the accidental death claim claiming that Hydrocodone was a contributing factor to the insured’s death! The insurance company did not explain how the medicine or the back pain caused the drowning.

Our law firm investigated the circumstances surrounding the death and enlisted services of a toxicology expert to rebut the denial of this claim. The insurance company reversed its denial of benefits and paid our client the full amount of her accidental death claim.

Our client came to us for help with her delayed life insurance claim. The policy was less than two years old when her fiancé tragically died in an accident. As with any policy that is less than two years old, the insurance company started a contestability check. Contestability investigation is a standard procedure in cases where the insured dies within the first two years of the policy’s effective date. The insurer usually checks the decedent’s medical, employment and criminal records to make sure no misrepresentation was made on the application. Such claims may be delayed indefinitely if not handled properly.

Our life insurance attorney reviewed all the records and worked with the insurance company’s legal department to expedite the payment. Our life insurance law firm professionally and aggressively handled this delay which resulted in a prompt payment of the claim. The claim was paid within 30 days from the time the client retained us.

Our client contacted our law firm for help after her life insurance claim had been delayed for several months. The insured died in a foreign country, and the insurance company began a lengthy foreign death investigation. The investigators travelled to the country where the death occurred, interviewed local authorities, questioned witnesses and examined death records. Our client was bombarded with unreasonable demands for a lot of information, documents, records, etc.

When our life insurance attorneys took over the case, we questioned the information the insurer demanded and oversaw the review. The goal was to expedite the claim and to shield our client from the stressful communication with the investigators. We also made sure that only relevant information was requested. The claim was finally paid with interest and our client was happy to move on.

Our law firm recovered benefits for a client whose accidental death claim was denied due to an illicit drug exclusion in the insurance policy. The insured died in a single vehicle crash after he lost control of his motorcycle. His cause of death was stated as multiple blunt injuries and the manner of death was classified as an accident. The insured’s toxicology report showed that he tested positive for Delta 9-THC. The insurance company denied our client’s ADD claim noting that although the decedent sustained an accidental bodily injury that resulted in death, he was under the influence of a hallucinogen and the claim, therefore, did not meet the group policy’s benefit provisions.

Our law firm was successful in recovering the denied ADD benefits within two months of the date of the denial letter.

Our client called us after her accidental death claim was denied by a large insurance company. The client’s mother fell in the kitchen, landed on her right hip and had a right hip fracture as a result of the fall, which required surgical treatment. She died two days later in the hospital.

In its denial letter the insurer devoted only two sentences to its decision to deny benefits on medical grounds: “[The insured] was a high fall risk and the fall was due to gait impairment. … There is no evidence of an accident that caused or contributed to death independent of all other causes.”

Our law firm successfully recovered this accidental death claim without resorting to litigation. The client received her ADD claim check within 4 months of the denial letter.

The insured in this case died in a motorcycle accident. At the time of his death he was covered by a group life insurance policy. The policy provided basic life insurance, and double indemnity if the insured died solely through violent, external and accidental means.The insurer refused to pay the additional accidental death benefits on the ground that the insured’s death was excluded from coverage because he was driving while intoxicated at the time of his death.

Our client, the insured’s daughter, contacted us soon after she received the denial letter. The denial seemed unfair – her father’s motorcycle was rear ended by a large truck and there was absolutely no indication of the insured violating any traffic rules that would have in any way contributed to the collision.

Our life insurance attorney successfully appealed the denial of benefits and the claim was paid in full.

The insured in this case died as a result of polysubstance drug toxicity of Methadone-Xanax-Lamotrigine-Quentiapine-Cyclobezaprine-Promethazine. Her husband filed a claim for ADD benefits following her death. The insurance company denied his claim stating: “Based on the information we have received, it would appear exclusion [x] applies and there is no coverage under the Accidental Death Benefit Rider: Exclusion – This provision does not cover death which… results directly or indirectly from any of the following causes … taking of any poison, drug, or sedative, or asphyxiation from inhalation of gas, whether voluntary or involuntary.”

Our client came to us for legal assistance. His wife had been prescribed the drugs that caused her death by a physician as she had sought medical attention for pain relief. Our law firm successfully recovered this denied ADD claim on appeal.

Our client was the beneficiary on his ex-wife’s individual life insurance policy, but his claim was denied, because a competing claim for benefits had been filed by the ex-wife’s daughter. The daughter’s claim was based on the fact that after the divorce the insured created a trust and included her life insurance policy in the trust’s assets. The insured also created a will and designated the trust as the only recipient of her assets, including the life insurance policy on her life. However, the insured never contacted the insurance company requesting a beneficiary change.

Our firm took over the case and entered into negotiations with the daughter’s attorneys. We were proud to have been able to reach a result satisfactory to our client. He received the benefits due to him under the policy and avoided costly and lengthy litigation. Our life insurance attorneys worked diligently to protect our client’s rights to life insurance benefits.

Our law firm represented a client whose claim for life insurance benefits was denied without a proper explanation.

Our client’s ex-husband left her as a beneficiary on his life insurance policy after their divorce. A year after his death, however, the insurance sent her a denial letter. Our client came to us after she received the letter which simply stated: “We regret to inform you that you are not the beneficiary since you were no longer married to [the insured] at the time of his passing. Benefits will be paid according to the terms of the policy.”

Our client was confused since the denial letter did not refer to any law about revoking life insurance beneficiaries automatically upon divorce. We were successful in appealing the denial of her benefits and our client received her check within three months of the denial.

Our represented a beneficiary who sought payment of a life insurance policy after his sister died. The insured’s daughter contested the designation and claimed that the designation was based on fraudulent documents.

Before contacting us for help, the beneficiary had unsuccessfully tried to persuade the insurance company that the contesting party’s claims had no merit. The insurer delayed payment of the claim for several months.

Our life insurance attorney was able to get the delayed claim paid within a month. We also filed a legal demand for payment of interest on the delayed claim and pointed out to the insurer that it was in violation of the state law by not paying interest on the delayed claim. As a result, the interest was paid and our client was satisfied with the prompt resolution.

Our client’s employer offered group life insurance coverage to her and her family. She applied for coverage for her domestic partner. Her application was approved and premiums were deducted from her paycheck. When her domestic partner died, however, the insurance company denied her claim stating that she failed to provide a notarized affidavit or a signed statement reflecting that the couple have met the definition of a domestic partnership as outlined in the policy. While both the insurance company and the employer had an ample opportunity to request an affidavit during the 2.5 years that the coverage was paid for, they failed to do so. Instead, they accepted our client’s premiums for dependent coverage and made misrepresentations to her that coverage on her partner was in effect. Our law firm was successful in recovering the denied dependent claim from the employer.

Our client called us after an insurance company denied her ERISA life insurance claim. At the time of her husband’s death, he had company-provided optional group life insurance coverage. To obtain this coverage, he was required to provide his medical history and complete a Statement of Health. The insurer approved his SOH and issued coverage for $150,000. Several days after his approval for the $150,000, the insured applied for an additional $70,000 in optional life insurance coverage. He was approved for this increase and his premiums went up. The insurance company never requested a second SOH for the $70,000. Our client’s claim was denied because her husband never submitted a second SOH and, therefore, the coverage for additional $70,000 never took effect. Our firm filed an ERISA appeal immediately after the investigation was complete. The denial was overturned and our client received her life insurance proceeds.

Our client called us because the insurance company refused to pay her claim after her husband’s death. The insurer said that the policy was not in effect at the time of death because it had lapsed for non-payment of premiums. Our client was shocked that the policy had lapsed because the insurance company had not sent any lapse notices to their address. And since her husband was very ill at the time the policy lapsed, he was unable to read email, call the insurance company or deal with any financial matters.

Our firm was able to recover the full benefit with interest. The insurance company failed to comply with strict insurance laws when it lapsed the policy due to non-payment. During litigation, it was revealed that the insurer never sent any lapse notices and never informed the insured that he had a right to designate another person to receive lapse notices. The client was satisfied with a successful case resolution.