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Life & Accident

What is life and accident insurance?

Life and accident insurance is supposed to be an inexpensive way of providing insurance benefits (usually a single payment) to your family in the event of your death. Where the death is an accident, the insurance policy typically pays an additional amount equal to the life insurance benefit. Also, when the accident does not result in death, but results in the loss of sight or a limb, the accidental insurance usually pays a percentage of the death benefit immediately. The premium (cost) will vary depending on whether you purchase an individual insurance policy or you are covered by a group insurance policy through your employer.

Are you experiencing problems with your life and accident insurance company?

Common issues involving group accidental death insurance claims include exclusions for such things as suicide, being intoxicated and taking medication except as prescribed (including recreational drug use). For group life insurance claims, two common issues include: failing to provide waiver of premium benefits (where your coverage stays in force for the duration of your disability) and failing to offer conversion rights (where you can take the insurance policy with you).

In the case of individual life insurance policies, the most prevalent issue involves claims made during the first 2 years the policy is in force: the contestability period. For life insurance claims submitted during the contestability period, insurance companies often look closely at the application in an effort to find a reason to rescind the life insurance policy and to avoid the claim. Many insurance companies fail to properly limit the contestability period for life insurance policies they have replaced from another insurer (for example, where your insurance agent replaced your older insurance policy with a new insurance policy).

Let an experienced attorney guide you through the life and accident insurance claim maze.

Feeling frustrated and uncertain in dealing with a life and accident insurance claim is normal. The insurance policies are confusing and hard to read. The insurance company claim representatives are not much help and often make things more confusing and frustrating. This is no accident.

Insurance companies do not make money paying life and accident insurance claims. That is why they put hurdle after hurdle in your way, from requesting more and more information to simply delaying a decision. With each hurdle, the insurance company is counting on you giving up or missing a key deadline. Either way, the insurance company avoids paying your life and accident insurance claim. The stress and uncertainty that comes with this process can be daunting. It doesn’t have to be that way.

You should have access to the most experienced legal representation when fighting a long-term disability insurance claim. We provide you with an initial free consultation with our experienced staff. Our goal is to eliminate your stress and anxiety while working to obtain a positive outcome. We strive to provide each client with personalized and reassuring guidance. At Grabhorn Law, while practicing law is our profession, helping people protect their Insured Rights™ is our passion.

Filing A Claim

Time is of the essence – Do not delay in filing your life and accident insurance claim. Here are some helpful tips.

Review the Insurance Policy. Make sure you get a copy of the insurance policy (ask for it in writing and read it). If you have questions about the policy, ask the insurance company.

Cooperate with the insurance company. Complete their forms. Do what they ask you to do.

Do everything in writing. If you can’t, then make sure to keep a log of who you talked to, (date, time, phone number), and what you discussed.

Ask questions about other benefits. Ask the insurance company if you are eligible for any other insurance benefits, such as accidental death benefits or life and accident survivor benefits. If so, ask how you can file a claim for those benefits.

Ask what else is needed for your claim to be approved. Do this in writing and repeat it in every letter you send to the insurance company.

Filing An Appeal

Time is of the essence – Do not delay in filing your short term disability appeal. Here are some helpful tips.

File Your Appeal. Generally, you only have 60 days in which to file. If you fail to file an appeal, you may lose your right to your benefits.

Ask for a complete copy of your claim file, including a copy of the insurance policy. Make sure to review these completely and correct any errors when you file your appeal.

Prepare your evidence. Get a copy of medical records, autopsy and coroner reports. Review and confirm the records accurately address the cause of death. f possible, have the doctor or medical examiner review the claim denial letter and comment on why they disagree.

File your appeal in writing and provide additional evidence supporting your claim. Even if you only submit a one-page note stating you appeal, make sure you file the appeal.

Ask the insurance company what else is needed for your appeal to be granted. Do this in writing and repeat it in every letter you send to the insurance company.

Filing A Lawsuit

Do not delay. There are strict deadlines for filing a life and accident insurance lawsuit. The insurance policy may limit this time period, as well as state law. Time is not your friend.

Do not be afraid of filing a lawsuit. It’s your legal right. Yes, it may take time, but it’s the only way to obtain the life and accident insurance benefits you are owed. If you use an attorney, you can be involved as much or as little as you like. Your attorney should make the process as smooth and stress-free as possible.

Look for an experienced law firm. Not every law firm has experience with life and accident insurance claims. Make sure the law firm you choose has experience in dealing with not just your life and accident claim, but also with the medical condition and your insurance company.

Look for a law firm willing to try your case. Although the majority of life and accident lawsuits resolve prior to a trial or judgment, if your case does not, you need to make sure you have a law firm experienced in successfully pursuing a life and accident lawsuit to a final decision.

Location should not matter. You should not limit your choice of an attorney based on whether they are located near you. The most important factor should be experience, followed by your comfort level. With today’s technology, you should have the best of both – experience and comfort.