Most individuals have some form of life insurance coverage either through their employer or an individual policy. Unfortunately, it is all too common for problems to arise when death benefits are to be paid out and you need them most. Your right to life insurance benefits will depend both on the law governing the policy and the policy language itself. Our employee benefits attorneys have experience handling various types of life insurance policies, and securing life insurance benefits for individuals whose dismemberment and death benefit claims were initially denied.
Accidental Death & Dismemberment (AD&D) Benefits
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. For example, your insurance company may not have to pay a death benefit claim if the insured committed suicide or crashed while driving drunk. Accidental Death and Dismemberment insurance carriers rely on 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 life insurance and death 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 a death benefit denial. We will obtain the necessary information, including medical records and expert reports, to support the cause of injury or death. We are often able to undertake representation on a contingent fee basis, meaning you do not have to pay any money up-front.
Contact Us for a Consultation
If you have questions about your life insurance benefits, or if you have been denied a benefit to which you believe you are entitled, the Wisconsin employee benefits lawyers at Hawks Quindel are happy to discuss your situation.Please call a Madison employee benefits attorney directly at (608) 257-0040 or a Milwaukee employee benefits attorney at (414) 271-8650, or email us via our Contact Page.