Accidental Death and Dismemberment insurance protects you and your family members in the event of an accidental injury or death. The policy terms define the kinds of accidents covered, such as car accidents, fires, falls and injuries from heaving machinery. Accidental Death and Dismemberment insurance policies also include a number of exclusions from coverage, such as diseases of the body, substance abuse, or self-inflicted injuries. Accidental Death and Dismemberment insurance carriers rely on those exclusions to deny benefits when you need them most.
Do Not Accept a Claim Denial at Face Value
If you have been denied life insurance or Accidental Death and Dismemberment benefits, do not automatically assume the decision of the insurance company is correct. Your right to Accidental Death and Dismemberment benefits depends on a number of facts, including the plan language, the particular coverage you elected, and the circumstances surrounding the injury or death. You have the right to appeal the denial, and your chance of success depends on a thorough investigation and preparation of your case. Hawks Quindel’s employee benefits attorneys will closely examine your claim and work with you to build a strong appeal of the benefit denial. We will obtain the necessary information, including medical records and expert reports, to support the cause of injury or death. Often, we are able to undertake representation on a contingent fee basis, meaning you do not have to pay any money up-front.
Contact Hawks Quindel for a free consultation to discuss your claim.