Life Insurance Dispute Practice Areas
At LifeInsuranceDenied.com, we offer comprehensive legal services to help you resolve disputes with life insurance companies. Whether you are the policyholder or the beneficiary, our team at The Law Offices of Jason Turchin is here to guide you through the complexities of life insurance claims. We have experience in a wide range of practice areas designed to address the most common issues people face when their claims are denied or delayed.
Our experienced attorneys understand how difficult it can be to navigate the insurance claims process, especially when you need the benefits most. Below are the top 10 practice areas we handle to ensure that you receive the payout you’re entitled to.
Claim Denial Due to Material Misrepresentationthe Cause of Death
Insurance companies often deny life insurance claims by alleging material misrepresentation on the application. This typically occurs when the insurer claims that the policyholder provided false or incomplete information about their health, occupation, or lifestyle. Misrepresentations may be unintentional, but the insurer can still use them to deny claims.
How We Can Help:
✦ We can thoroughly review the life insurance policy application and any supporting documentation to identify potential errors.
✦ Our legal team can work to prove that any misrepresentation was not material to the policy or was unintentional.
✦ If necessary, we can appeal the denial or file a lawsuit to ensure the insurer honors the claim.
✦ Our legal team can work to prove that any misrepresentation was not material to the policy or was unintentional.
✦ If necessary, we can appeal the denial or file a lawsuit to ensure the insurer honors the claim.
Denial for Non-Payment of Premiums
Insurance companies may deny life insurance claims due to missed or unpaid premiums. This can happen due to clerical errors, bank issues, or even failure on the part of the insurer to process payments correctly. It’s often important to understand that sometimes these issues can be resolved.
How We Can Help:
✦ We can review payment records and communications from the insurer to identify any errors or lapses.
✦ If the policyholder paid the premiums but the insurer failed to process them correctly, we can work to have the claim reinstated.
✦ We can negotiate directly with the insurer to resolve the issue and prevent unnecessary delays.
✦ If the policyholder paid the premiums but the insurer failed to process them correctly, we can work to have the claim reinstated.
✦ We can negotiate directly with the insurer to resolve the issue and prevent unnecessary delays.
Beneficiary Disputes
Disputes often arise regarding the rightful beneficiary of a life insurance payout. This can happen when there are competing claims, a last-minute beneficiary change, or when the original beneficiary is contested due to fraud or other issues.
How We Can Help:
✦ Our team can investigate any changes made to the beneficiary designation and assess the legality of the change.
✦ We can represent your interests in disputes with other claimants, ensuring that you are entitled to the benefits.
✦ If necessary, we can take legal action to resolve the dispute and make sure the correct beneficiary receives the payout.
✦ We can represent your interests in disputes with other claimants, ensuring that you are entitled to the benefits.
✦ If necessary, we can take legal action to resolve the dispute and make sure the correct beneficiary receives the payout.
Interpleader Lawsuits
An interpleader lawsuit is filed when an insurance company is unsure of who should receive the benefits and asks the court to decide. This often happens when there are multiple beneficiaries or conflicting claims.
How We Can Help:
✦ We can represent you in interpleader lawsuits and protect your interests in court.
✦ Our legal team can help you understand the process and advocate on your behalf to ensure a fair decision is made.
✦ We can help speed up the legal process and fight to help ensure you don’t face unnecessary delays.
✦ Our legal team can help you understand the process and advocate on your behalf to ensure a fair decision is made.
✦ We can help speed up the legal process and fight to help ensure you don’t face unnecessary delays.
Death Benefit Disputes
Death benefit disputes occur when an insurance company refuses to pay out the benefit based on the cause of death or policy exclusions. Whether it’s related to suicide clauses, pre-existing conditions, or allegations of fraud, these disputes can be resolved with the right legal representation.
How We Can Help:
✦ We can review the terms of the policy, including any exclusions or clauses that may be used against you.
✦ Our team can help you challenge wrongful denials based on the insurer’s misinterpretation of the cause of death.
✦ We can fight for the payout you are entitled to by challenging any unjust denials.
✦ Our team can help you challenge wrongful denials based on the insurer’s misinterpretation of the cause of death.
✦ We can fight for the payout you are entitled to by challenging any unjust denials.
ERISA Claims (Employee Benefits)
The Employee Retirement Income Security Act (ERISA) governs life insurance claims for group policies provided by employers. ERISA claims can be more complex due to specific legal procedures and deadlines, and it often involves appealing an insurer’s denial.
How We Can Help:
✦ We have extensive experience handling ERISA claims and can help navigate the appeals process.
✦ Our team can help ensure that you meet all required deadlines and help you gather the necessary documentation to support your claim.
✦ If necessary, we can pursue a federal lawsuit under ERISA to secure the benefits you deserve.
✦ Our team can help ensure that you meet all required deadlines and help you gather the necessary documentation to support your claim.
✦ If necessary, we can pursue a federal lawsuit under ERISA to secure the benefits you deserve.
Unpaid Premiums and Lapsed Policies
Sometimes a life insurance policy lapses due to unpaid premiums, but this is often due to errors made by the insurer or the policyholder not receiving proper notice. Our team can help rectify the situation and fight to have the claim honored.
How We Can Help:
✦ We can investigate the cause of the policy lapse and determine whether the insurer is at fault.
✦ If premiums were paid and the lapse was due to an insurer error, we can work to have the claim reinstated.
✦ Our attorneys can advocate for your rights, ensuring that the insurer processes the claim as intended.
✦ If premiums were paid and the lapse was due to an insurer error, we can work to have the claim reinstated.
✦ Our attorneys can advocate for your rights, ensuring that the insurer processes the claim as intended.
Life Insurance Fraud
Fraud is a serious issue in the life insurance industry. Fraudulent claims or misstatements can lead to denied claims or even criminal charges. If you believe fraud has occurred in your case, we can help you navigate the situation.
How We Can Help:
✦ We can investigate the allegations of fraud and work with law enforcement if necessary.
✦ If your claim was denied based on fraudulent activity, we can help you challenge the insurer’s actions and fight to help ensure a fair resolution.
✦ Our team can represent you if fraud is suspected in your claim and help protect your rights.
✦ If your claim was denied based on fraudulent activity, we can help you challenge the insurer’s actions and fight to help ensure a fair resolution.
✦ Our team can represent you if fraud is suspected in your claim and help protect your rights.
Federal Employee Life Insurance Claims (FEGLI)
The Federal Employees Group Life Insurance (FEGLI) program offers life insurance to federal employees, but claims can sometimes be complicated. We have experience helping federal employees and their beneficiaries when they encounter difficulties with FEGLI claims.
How We Can Help:
✦ We can assist with understanding the unique rules surrounding FEGLI claims and fight to help ensure your claim is processed properly.
✦ If your FEGLI claim has been denied or delayed, we can help you appeal or take legal action.
✦ Our team is familiar with the intricacies of federal life insurance laws and will provide the support you need.
✦ If your FEGLI claim has been denied or delayed, we can help you appeal or take legal action.
✦ Our team is familiar with the intricacies of federal life insurance laws and will provide the support you need.
Claim Stalls Due to Medical Records or Investigations
Delays in life insurance claims can occur when the insurer needs additional medical records or investigates the cause of death. If your claim is stalled due to medical inquiries, we can help you expedite the process.
How We Can Help:
✦ We can work to obtain the necessary medical records and fight to help ensure the insurer has all the documentation it needs to process your claim.
✦ Our team can address any delays caused by the insurer’s investigation and advocate for a timely resolution.
✦ We can help ensure that your claim is processed efficiently without unnecessary delays.
✦ Our team can address any delays caused by the insurer’s investigation and advocate for a timely resolution.
✦ We can help ensure that your claim is processed efficiently without unnecessary delays.
FAQ
Frequently Ask Questions
If your life insurance claim is denied, it’s often important to first understand why it was denied. We can help you determine if the denial was unjustified and work on appealing the decision or filing a lawsuit.
The timeline varies depending on the complexity of the case. While some claims can be resolved quickly, others may take longer if they involve issues like interpleader lawsuits or beneficiary disputes. We aim to resolve claims as efficiently as possible.
Yes, if your life insurance claim is denied, you may have the right to appeal the decision. We can assist you with gathering evidence, submitting your appeal, and representing your interests.
An interpleader lawsuit occurs when there are competing claims for the same life insurance payout. The insurance company asks the court to determine who is entitled to the benefit. If you are involved in one, we can help protect your rights.
We operate on a contingency fee basis, meaning you won’t have to pay unless we win or settle your case. This allows you to pursue your claim without worrying about upfront costs.
Common reasons include material misrepresentation, non-payment of premiums, and beneficiary disputes. We can help you understand why your claim was denied and assist with the appeals process.
If your claim is delayed, we can work with the insurance company to expedite the process. We can help ensure that your claim is processed promptly and take legal action if necessary.
You are entitled to a life insurance payout if you are the named beneficiary or if you meet the requirements of the policy. If you believe you are entitled to the benefits but have not received them, we can investigate your case.
Contact Us for a Free Consultation
If you’re facing a life insurance dispute, you don’t have to handle it alone. The Law Offices of Jason Turchin has the experience and resources to help you resolve your life insurance claim issues. We offer free consultations and work on a contingency fee basis, meaning you don’t pay unless we win or settle your case.
Call us today at 800-337-7755 or use our live chat service to speak with an attorney and get the help you need.