When a sudden accident leads to the unexpected loss of a loved one or a life-changing injury, the emotional impact can be overwhelming.
For many families, this pain is made worse when an insurance company denies a legitimate claim. That is where working with an accidental death and dismemberment lawyer in California becomes essential.
Our team at ERISA Insurance Claim Attorneys focuses exclusively on helping people in these cases. With over 30 years of experience handling ERISA claims nationwide, we offer a focused, compassionate approach.
If you are looking for a California insurance claims lawyer, we are here to help you understand your options, protect your rights, and fight for the benefits you are entitled to.
Why AD&D Claims Get Denied
Accidental death and dismemberment (AD&D) insurance is meant to provide financial protection when someone dies or suffers serious physical loss due to an accident.
These benefits can be essential for surviving family members or injured individuals. Unfortunately, insurers often deny these claims, even when the facts seem clear.
Some of the most common reasons for denial include:
- The insurer argues the incident was not accidental under the policy definition.
- The policy excludes certain causes of injury or death, such as substance use or risky activities.
- The application lacks medical records or contains conflicting evidence.
- The applicant failed to meet technical requirements under ERISA.
Because most group insurance plans are governed by the Employee Retirement Income Security Act of 1974 (ERISA), claimants must follow a strict and time-sensitive appeals process before filing a lawsuit.
These rules are not always clear to policyholders, and mistakes in the process can result in permanent loss of the right to appeal or sue.
For a free legal consultation with an accidental death and dismemberment lawyer serving California, call (225) 201-8311
What Our California AD&D Law Firm Does Differently
At ERISA Insurance Claim Attorneys, we work only on ERISA benefit cases, including long-term disability, life insurance, and accidental death and dismemberment claims.
This singular focus allows us to provide highly knowledgeable and efficient service, unlike general practice firms that may only handle these cases occasionally.
Our lead attorney, Price McNamara, previously represented insurance companies. That background gives us insight into how insurers evaluate and deny claims. It also helps us understand the most common life insurance exclusions, identify weak points in their reasoning, and prepare strong, evidence-based appeals.
We handle everything electronically and work with clients across California. Whether you are in Los Angeles, Sacramento, San Diego, or a rural area, we can manage your case remotely with secure e-signatures, digital communication, and no need for in-person meetings.
Even federal court proceedings are filed electronically and do not require your physical appearance.
California Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
Understanding the ERISA Process
ERISA governs most group-based insurance policies, including those offered by employers. Under this law, claimants must complete an administrative appeal with the insurance company before filing a federal lawsuit. This is a critical phase because no new evidence can be introduced after the appeal.
Here is what the process typically involves:
- We request all plan documents and denial letters from the insurer.
- We review the policy to determine coverage, exclusions, and obligations.
- We gather all necessary medical records, accident reports, and expert opinions.
- We file a thorough administrative appeal with supporting documentation.
- If the appeal is denied, we prepare and file a federal lawsuit on your behalf.
California policyholders are also supported by state standards, including California Insurance Code Section 10123.13, which requires group insurers to process claims promptly and act fairly.
While ERISA preempts many state laws, California’s legal framework reinforces a duty of good faith and helps inform court expectations regarding insurer conduct.
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Who We Represent
We assist individuals and families across California who are dealing with:
- A denied AD&D claim following the death of a spouse, child, or relative
- A rejected dismemberment claim after a serious injury, such as loss of a limb, vision, or hearing
- Termination of benefits after initial approval
- Delays, unclear responses, or bad faith handling of insurance claims
Our clients come from all professions and backgrounds. Whether you work in healthcare, construction, transportation, or any other field, if your insurance was provided through your employer, your claim likely falls under ERISA.
That means you need an experienced accidental death and dismemberment attorney in California to help you understand your rights and take action quickly.
Complete a Free Case Evaluation form now
Why Experience Matters in AD&D Cases
Unlike personal injury or wrongful death cases, ERISA claims are not decided by juries and do not involve emotional appeals. The federal court will look only at the claim file and determine whether the insurance company acted reasonably under the policy terms.
That is why the administrative appeal is so important. It is your one chance to tell the full story. We know how to build these appeals from the ground up.
With decades of experience and a deep understanding of ERISA case law, we prepare every appeal as if it will end up in court. Our goal is always to win at the appeal stage, but we are fully prepared to litigate if necessary.
Talk to a California AD&D Claims Attorney Today
If you are facing the denial of an AD&D claim, you do not have to go through it alone. We understand how devastating these events are, and we are here to handle the legal process for you.
At ERISA Insurance Claim Attorneys, we have recovered millions of dollars in unpaid insurance benefits for clients just like you. We offer free consultations, and there is no fee unless we win.
Let us evaluate your case, explain your options, and put our decades of experience to work for you. Contact us today to speak with a knowledgeable and compassionate team that focuses only on ERISA insurance claims.
Call or text (225) 201-8311 or complete a Free Case Evaluation form