Accidental death & dismemberment is typically provided as employee benefit, a financial tool designed to provide you or your family with financial support in the event that you lose your life or suffer a serious injury. Speak with a Georgia insurance claims lawyer now.
At J. Price McNamara: Disability, Life, AD&D Insurance Attorneys, founded in 1990, we help those facing coverage denials get the answers and recover the damages they are actually owed. Our accidental death & dismemberment lawyer in Georgia has very specific knowledge and extensive experience building successful claims.
How an AD&D Attorney in Georgia Can Help You
Our accidental death and dismemberment attorney in Georgia works closely with you to determine what your policy should cover, what exclusions are present, and what has to occur for you to receive the compensation owed to you.
We help policyholders and beneficiaries understand their rights and take action when a claim is delayed or denied. You can expect us to:
- Review the details of your policy to explain all coverage to you, review all exclusions in-depth, and investigate any legal terms and conditions applicable to your situation
- If you have yet to do so, we can help you file your initial claim, which may help you avoid delays over time
- If you already filed an initial claim that received a denial, we can help you appeal that decision
- Build evidence to support your statements, including gathering medical records, speaking to experts, and obtaining police reports that substantiate your claims
- Communicate directly with the insurance company on your behalf to work through a solution so you receive your claim or negotiate a settlement
In situations where the incident cannot be resolved, expect our Georgia accidental death & dismemberment attorney to then seek a federal lawsuit against those who are in violation of your rights.
We know how to ensure you receive accurate information and insight into your rights, and thanks to our specialized legal knowledge, we often achieve results.
How Much Does It Cost to Hire an AD&D Attorney
If you did not receive the benefits you expected, and you are facing denials that could topple your life, paying an attorney seems impossible.
Our firm operates on a contingency fee basis, meaning we charge you a percentage fee to be paid when you recover your settlement. If you do not recover anything, you do not pay us anything. Keep in mind that there are no upfront costs either.
For a free legal consultation with an accidental death and dismemberment lawyer serving Georgia, call (225) 201-8311
The Complexities of AD&D Claims
AD&D coverage typically is a component of group insurance plans, which are governed by the Employee Retirement Income Security Act (ERISA). This type of insurance provides protection to those whom you name as beneficiaries, or to you, depending on the injuries. This insurance policy only covers deaths and serious injuries resulting from accidents. That is what often gives the insurance company loopholes to use against you.
Your AD&D policy will typically list specific accidental death and dismemberment exclusions, or types of loss that the policy does not cover.
It will list when you can file a claim and how that payment will be made, typically in a lump sum to the person on the policy or, in the case of death, to the beneficiaries.
Many employers offer these policies through benefits packages, and because they tend to be less expensive than life insurance policies, many people buy into them without fully understanding what coverage they are getting and what the coverage limitations are.
Even if you purchase this policy as a standalone policy and not as an add-on to your life insurance benefits, filing a claim is difficult.
Georgia Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
When Does AD&D Pay a Claim
Policies differ significantly, but most accidental death and dismemberment policies only provide compensation in very limited situations. The policy will document this information, and you should have it when purchasing the policy. Most policies cover losses related to:
- Accident-related death
- Loss of limbs, including legs, arms, hands, or feet
- Loss of hearing
- Loss of vision
- Loss of speech
- Coma or paralysis
Some policies are more extensive, including more types of risks. In the event that you suffer a dismemberment or serious injury, the policy will pay you the lump sum you agreed upon when opening the policy. If you lose your life, these policies pay directly to the person you name as the beneficiary on the policy.
Determining If a Death Was an Accident
One of the more challenging aspects of these policies is proving that the accident was just that – an accident. Accidental death typically applies when the death is unexpected and unintended, such as from a car accident, drowning, workplace accident, poisoning that was a clear accident, or falls from heights. These policies do not cover suicide, natural causes, illness, or intentional harm.
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What We Can Do If You Received a Denial
If you received a denial letter for your claim against an AD&D policy, reach out to us and allow our team to gather critical information that could help you build your case. Our accidental death and dismemberment attorney will handle the entire process:
- We review all plan documents, medical reports, and other evidence available to demonstrate that this incident was an accident
- Handle all communication with the insurance company and reinvestigate any concerns they have, leading to a denial
- Provide you with a clear plan for appealing the decision, which requires us to present any new evidence now, before moving forward
If your appeal does not succeed, the next step is to file a lawsuit in federal court. This is something our legal team has extensive experience with handling.
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Schedule a Consultation with Our Accidental Death & Dismemberment Attorney in Georgia
When you are facing such critical situations and very strict rules, you need an attorney with very specific education, training, and experience.
At J. Price McNamara: Disability, Life, AD&D Insurance Attorneys, we work with victims who need answers and recovery of their losses. Speak to our Georgia accidental death & dismemberment lawyer now to see how we can help you.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
