Insurance companies count on you giving up. That is a big way they make money – by not paying claims. And, it’s no accident – it’s all part of their plan – to act as they care, and that they understand, and that “they’re on your side”. But then, they nicely start to ask for documentation, and before you know it, you’re buried in paperwork.
Sadly, they count on you being too stressed by the loss of your loved one, and too intimidated by the big company letter saying that they don’t owe you, and that they’re sorry for your loss.
Too many people give up at that point.
We urge you to contact us. We can help. There is no charge to contact us. There is nothing due unless we can recover for you. We want to help, we have all the tools to get justice for you.
Have you suffered the unexpected loss of a loved one, only to have a claim for life insurance benefits delayed, or denied?
Do you get the feeling that the life insurance company is doing everything it can to avoid paying the claim? Has the life insurance company sent you a letter stating that they are rescinding the policy, making a rescission, or just sending back the premiums paid? Especially if your loved one had the policy for less than two years before passing away, the life insurance company can become very aggressive at seeking to avoid the policy payment. Rescission is a favored strategy of the life insurance company if the policy was issued less than two years before the death.
If Your Life Insurance Claim Has Been Denied, We Can Help.
We Can Help! In times like this, it is beneficial to work with a top-rated life insurance attorney. If you are not sure if you can appeal your claim or if you can speed up your delayed life insurance claim, we offer a free case evaluation to see how we can help you. At our firm we handle the following denied life insurance claims:
Denial for failure to pay premiums, late payment, insufficient payment, cancellation, lapse
- Denial for failure to reinstate
- Denial for an investigation that never ends
- Denial for failure to provide complete information on application
- Denial for failure to provide accurate information on application
- Denial for misrepresentation on the life insurance application
- Denial based on exclusion in the policy
- Denial based on death not caused by an accident
- Denial based on suicide of the insured
- Denial based on self-inflicted injury
- Denial based on alcohol use
- Denial based on drug use
- Denial based on prescription drug use
- Denial based on unlicensed driver of car or boat, or boating negligence
- Denial based on unfenced swimming pool
- Denial based on the presumption of death due to disappearance
- Denial based on death in a foreign country
- Denial based on administrator at employer’s mistake
- Denial based on termination of employment
In life insurance claims and cases, the specific facts about your situation are the most important. We work really hard for you, from the very start, to listen to you, to understand the situation, and to find every fact that helps your claim and life insurance lawsuit. We are the experts at getting evidence in the right way, too, so it can be admitted into evidence in a life insurance trial. We have more than thirty years’ experience; we can usually have a good idea of where a situation will go, if we can get the full information from the start. We won’t keep you in court if we know the life insurance company will find a problem in the coverage–we know the right timing of doing our best for you.
Denied claims are a BIG challenge, but we are up to it. In a denied life insurance claim, the life insurance company has already run its investigation, talked to you, and obtained documents. They have done all this to try to not pay the claim. Once the life insurance company officially denies the claim, it means that a team of people at the company has approved that denial. The team always includes a lawyer for the life insurance company.
We can help with a denied life insurance claim, but getting us fighting for you before the denial is better. We need to be sure that the investigation is full and complete, and that the life insurance company gives as much concern to paying the policy as to not paying it. A life insurance company is acting illegally when it investigates a claim solely to avoid payment, or where it ignores all the facts supporting payment.
Many of our clients are exhausted by the delay in the life insurance investigation, and call us to get their policies paid. If you have a sense that the life insurance company is not trying to pay, but is just looking for a reason to not pay, or if you have already received a denial letter, your best next step is to contact us for a full evaluation.
Many of our clients call us for help after they have fully cooperated and the insurance claim remained unreasonably delayed. When you feel that the claim is just in an endless investigation, you need to call an experienced life insurance attorney. As your life insurance lawyer, we will investigate the delay for you and give you top-notch legal advice.
We have lots of experience correcting ongoing life insurance investigations that involve:
Endless investigations. Do you feel that the life insurance company is just asking one question after another, and that the investigation never seems to end? These endless investigations show that the life insurance company has already quietly decided to not pay, and is looking for an excuse, or to wear you down. The life insurance company has the duty to properly investigate the claim and keep you informed of the status of your life insurance claim investigation. That means information about what is being investigated, and what you can do to help. If you ask a claims adjuster for a status update only to hear, “The investigation is ongoing” without any details, the claim is being wrongfully delayed. If there are no specific reasons for an unusually lengthy review, you owe it to yourself to consult with a life insurance attorney, now.
Coverage questions: Sometimes the life insurance company is looking for just a specific fact, to use to exclude coverage. These are trickier claims, because they involve the application of facts to the full terms of the life insurance policy. With our 30 years of life insurance litigation experience, this is something that we can do very well for you. Mistaken coverage issues usually result in denials of coverage. That means claims denial. The many California laws and reported cases are very complex and offer many grounds for us to argue for coverage, on your claim. This is not territory to go into without the most experienced life insurance lawyers.
Examination Under Oath (EUO). The EUO is a formal proceeding taken under oath in front of a court reporter, similar to a deposition, but with possibly fewer legal rights. An EUO can be a very intimidating situation–don’t believe a life insurance company that says you don’t “need
a lawyer for it. An EUO is conducted when the insurer requires additional detailed information from the policyholder in order to make a coverage or claims decision. You may not even understand the reasons for the detailed questions–that is another way the life insurance company has the upper hand. For the wrong life insurance company, an EUO’s can also be used in wrongful claim delay, as an excuse to delay and eventually deny a claim. If you have been asked to attend an EUO, you need to get a life insurance attorney on your side, starting with a for a free consultation.
Referral to the Special Investigations Unit (SIU). SIU referrals are an investigation on an intense level, by people who are often ex-police, looking for insurance fraud. If your claim is in SIU, you better lawyer-up. SIU investigations can be very intimidating, which is a way of getting people to give up. But the same rules of investigation apply–a life insurance company has to look for evidence to pay the policy, too, not just deny.
Especially if you have a national or ethnic heritage that is “suspect” by many life insurance companies, which may automatically put you under special investigation, it is unlikely that you will get your policy paid without legal services.
Has Your Life Insurance Claim Been Delayed?
Responsible people are sold life insurance for peace of mind, knowing if tragedy strikes, the family will be protected. But when an insurance company denies or delays a legitimate claim, the beneficiaries may be left both grieving and in financial grief. We know that this is not a time to add to your worries. We work on a contingency fee, so you don’t have to pay us to get started. We advance costs, whether for investigators, documents, or medical reviews, so you will never feel financially pressed because of us. Delayed life insurance claims cause worry and false expectations, that maybe if you do one additional thing, the life insurance company will just do the right thing and pay. We find that once a life insurance starts looking for a reason to not pay, it doesn’t stop until either you give up, or we are your attorneys, and we make sure the life insurance follows the laws and regulations. Life insurance companies love to pretend that you don’t need a lawyer, even though every move they make is carefully prepared by their lawyers. When your life insurance claim is delayed, that is the introduction to having your claim denied. You need to change what is going on, by hiring experienced and hard-working life insurance attorneys.
Delay tactics are never to your benefit. We know that the life insurance company is testing you and looking for ways to avoid payment. Many people, already grieving from the loss of a loved one, have no strength of their own to get even one more document for the life insurance company. Don’t you know, that the life insurance company knows that. The people who can’t manage to get that additional document, give up, and the life insurance company doesn’t have to pay.
We have been on the company side. It is very easy to pay a life insurance claim. Just check that the policy was paid to the date of death, and that the insured person has passed away. Two easy facts. Everything else that a life insurance company does, and we mean everything else, is done for their own interest, which is to not pay you. People who think the life insurance company cares about them, because the person on the phone sounds nice, can’t imagine the complex lawyer driven machinery working behind the scenes, to try to not pay claims.
We see life insurance companies conduct the longest, most unreasonable investigations, that you could possibly imagine. Months of investigation–we think just to wear you down. Maybe to intimidate you away from pursuing the claim. Investigations that never get all the facts, either to pay the claim or to deny the claim, but which go on and on. The legal requirement is that the investigation must be reasonable and timely. The life insurance company must give as much concern for paying the policy as it does for its own concern of not paying. If your life insurance company has not paid your claim in 60 days, or is asking for medical authorizations, or other material needed for its investigation, watch out–denial is coming. Get us on your side, NOW.