Sacramento is both the long-time capital of California and the fastest growing city in California. Sacramento is close to the Bay area, but offers a much more affordable life-style over more space. Beautiful and located where two major rivers meet, and only about an hour from Lake Tahoe, Sacramento is the sixth largest city in California, growing and thriving. Many of our clients have been from Sacramento and the surrounding residential areas.
Sacramento has a higher number of State government employees, some of whom have issues with life insurance through their work. Other large employers in Sacramento offer life insurance programs through the workplace, which are generally covered by ERISA. We handle many life insurance questions, whether through ERISA employment policies, or purchased directly through the life insurance agents, or even on line. Typically, it is pretty easy to buy a life insurance policy. It is much harder to get a life insurance claim paid, especially in the first two years of the life insurance policy, if there is an unfortunate claim in that time. Many times, these life insurance companies act as if a person must have known they had a problem, if that person has the misfortune of passing away in the first two years of a policy. The life insurance company can be really suspicious of these first two year claims.
In Sacramento, we have also helped clients on accidental death claims. These accidental death claims are very tricky to handle right. The accidental death coverages come up, generally, in two ways. On large employment purchased policies, the accidental coverage can be really important, sometimes doubling the amount of life benefits available. Funny thing, we regularly see life insurance companies that forget to determine if the claim is for an accidental death, and thereby pay half the amount due. Sometimes, accidental death policies are sold as part of a credit union membership, or other group. Those benefits can still be valuable, but accidental death coverage alone is very tricky to prove. Most people never see the fine print about accidents not being caused or contributed to by illnesses or drug use. Those two exclusions often become a fight–which we can handle–on accidental death claims.
In Sacramento, we have handled accidental death claims that involve the agricultural spillways and irrigation canals. These secondary water systems can actually be quite dangerous, particularly during a high-flow event, such as following rainstorms–and the safety barriers are generally very slack, making a dangerous accident even more likely. We have helped the families of people lost in these watery dangers to obtain the coverage they deserve.
We tell people that they should really watch out when a life insurance company asks for a medical records authorization, as part of a claim. No matter what the company says, they don’t need those records to pay your claim. The insurance company needs those records to search for a way to not pay the claim. These medical authorizations may not even be properly signed by a person who does not have HIPPA compliant medical authority, but the life insurance companies regularly ask for it. When a life insurance company asks for a medical authorization to be signed, watch out, and contact us for more advice about this important fact.
We like seeing our clients in Sacramento. Whether you are close to downtown Sacramento, or out further, we are happy to help on your life insurance claims and cases. These life insurance companies know that you don’t have experience on these claims, while they already have teams of lawyers advising them. Each claim they can discourage and avoid being completed is a lot of profit to the company. You and your family deserve a qualified, experience lawyer on your life insurance claim or case, to get you paid without delay.
We are also here for your interpleader law questions and cases. This is your one chance to get justice on the life insurance policy. We will help get this right.
We have done this a lot. We take the time to know you and your case. We start working for you NOW. We communicate with you, respond to your calls, are available to you. We focus on how to win your case. If you have a problem getting your life insurance claim paid, rescission, beneficiary disputes, or your policy has been cancelled or has other issues on it, you need to contact Life Insurance Lawyer NOW.com. Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer. We are the best life insurance lawyers around, and we are real lawyers, not a lawyer referral service or “middleman”, we are here for you NOW.
