Award-Winning AD&D Claims Denial Lawyer

Accidental death and dismemberment (AD&D) insurance policies provide policyholders and their beneficiaries with a lump sum of money in the event the policyholder dies of an accident or loses their hearing, vision, or limbs. But insurance companies frequently deny valid AD&D claims though, often by trying to claim that a policyholder caused their own accident or death, and/or the death resulted from complications from an existing medical condition. Some insurance companies may also attempt to prove there is too long of a lapse between the time of accident or death and the date the claim was filed. Dealing with insurance companies can be frustrating, but we have decades of experience fighting the insurance companies and getting you the compensation that you and your family deserve.

Filing an AD&D Appeal

If you have an employer-funded AD&D insurance plan, the Employee Retirement Insurance Security Act (ERISA) applies. Because ERISA is a federal law, it preempts state laws and you must follow specific appeal procedures before filing a lawsuit. This includes a required administrative appeal with the plan’s administrator. If the insurance company denies your administrative appeal, you may then file a federal lawsuit. Depending on your AD&D plan, different filing deadlines may apply. ERISA accidental death claim appeals are more technical and complicated than their state law counterparts. Our AD&D claims lawyer can help you understand your rights, guide you through the appeal process, and ensure that you properly develop your claim and support it by evidence. If you are denied, contact our award-winning AD&D insurance claims lawyer, Price McNamara, immediately for a Free Denial Review. Like we have for thousands of others, we may be able to help you successfully appeal the insurance company’s decision.