There are many things we can’t control in this world, but life insurance can provide a financial safety net in the aftermath of someone’s passing. While life insurance is a great thing to have, filing a claim to obtain life insurance is a whole different ball game.
For a lot of people, after the death of a loved one, the last thing you want to deal with is complications when trying to get a life insurance policy. You can face several challenges, but knowing what they are and why working with a life insurance claim lawyer is essential.
From claim denials to delays and other issues, Rosenfeld Injury Lawyers are your dedicated ally when dealing with life insurance claims. We’ve worked with beneficiaries for years to help navigate the process and make it as smooth as possible while advocating for their rights and the life insurance benefits they’re entitled to.
Types of Cases Handled by Our Life Insurance Lawyers
At Rosenfeld Injury Lawyers, we’re able to handle a variety of different life insurance claim cases. We have the expertise that covers the intricacies of life insurance to help you claim what’s owed to you. When handling life insurance claims, having a trusted ally in your corner can make all the difference.
Life Insurance Claim Denials
Unfortunately, life insurance denials are some of the most common issues we help people with. The reasons that life insurance companies deny claims vary from case to case, but that doesn’t make them less frustrating.
Life insurance companies can deny a life insurance claim for things like a missed premium, alleged policy misrepresentations, or exclusions written in the policy. A denied life insurance claim can be difficult for beneficiaries who are counting on that payment and grieving their loved ones.
Working with an experienced life insurance attorney can make a huge difference when dealing with the insurance company and their life insurance denial.
Life Insurance Claim Disputes
Another typical life insurance case we help with is life insurance claim disputes. Disputes can happen because of confusion surrounding beneficiary designations, disagreements involving the policy terms, or disagreement or confusion about the cause of death.
Life insurance claim disputes are often emotional and complex, leaving loved ones even more upset and frustrated. Our experienced life insurance lawyers understand the intricacies of these disputes. They will help with mediation and litigation to resolve the issues as soon as we can while offering you the best representation possible.
Delayed Life Insurance Claims
Delayed claims are the last major life insurance claim cases we have experience working with. In some cases, life insurance companies might delay paying the policy to beneficiaries.
This can be incredibly stressful, not only financially but also emotionally. The reason they’re delaying the life insurance payment varies from case to case, but it can be administrative errors, insurers trying to avoid a timely payout, or prolonged death investigations.
Working with one of our attorneys means you’ll have someone in your corner to fight these delays and help you get your benefits as soon as possible.
Federal vs State Law Related to Life Insurance Policies
Like many other legal cases in the United States, there are federal and state laws that govern life insurance. Knowing whether federal, state, or both laws play a role in your claim is vital for understanding your situation and how to navigate through the claim.
States often set their laws that govern life insurance, meaning that different states can have different rules regarding life insurance. However, the Employee Retirement Income Security Act (ERISA) also plays a role in life insurance, including dispute regulations. An experienced life insurance claim lawyer can help determine which laws apply to your situation.
ERISA Challenges
Many people take out life insurance policies with their employers. The Employee Retirement Income Security Act (ERISA) governs most employer-provided policies. Since ERISA is a federal law, these types of life insurance claims can be more complicated in many cases.
Handling ERISA claims requires a thorough understanding of the federal law and how to strategize before litigation. However, there are specific timelines you must follow to file claims, disputes, and more.
Dealing with state laws is already complicated, but dealing with federal law can make things far more complex. When you work with an experienced life insurance lawyer from Rosenfeld Injury Lawyers, we’ll help you navigate ERISA claims.
FEGLI Challenges
Another federal program that we’re equipped to help with is FEGLI. Federal Employees’ Group Life Insurance (FEGLI) presents many difficulties for those who don’t know how to navigate the claim.
Any life insurance claims from FEGLI have precise federal regulations that must be followed. Even one tiny misstep can cause denials or delays with the claim. By working with attorneys who understand FEGLI deeply, you’ll likely be able to avoid many of the challenges these claims can bring.
The Implications of Life Insurance Policies with Minor Beneficiaries
Lastly, we understand how to navigate life insurance claims when the main beneficiary or beneficiaries are minors. These issues can be state and federal. These cases involve not only the life insurance claim but also the guardianship of the minor.
There are many situations where the courts don’t act in the best interest of the minor beneficiaries, so working with a lawyer is a must.
Life Insurance Claim Denial Reasons
Life insurance claim denials are far more common than you might realize. That’s why you’ll want to understand why they’re denied.
With a better understanding of potential reasons for the claim to be denied, you can avoid this and have your approval. Our lawyers are capable of understanding these reasons and fighting to ensure you get life insurance and that your rights are upheld.
Why Choose Rosenfeld Injury Lawyers
No matter what issue you’re dealing with regarding a life insurance policy claim, making sure you partner with an experienced and knowledgeable law firm can make all the difference. Rosenfeld Injury Lawyers has a wealth of experience with life insurance claims and is dedicated to every client’s case as if it were our own.
Our entire team will provide you with effective representation and compassion as we help you navigate a life insurance claim denial, dispute, or delay. We’ll work with the insurance company to investigate the issue and sort everything out as quickly and thoroughly as possible so you can get your benefits.
If you’re facing a challenge surrounding a life insurance claim, Rosenfeld Injury Lawyers is ready to fight for your rights.
Call us today at (888) 424-5757 or complete our online form.