The loss of a loved one or a severe, life-changing injury is something you never thought you would have to face. You purchased insurance to help you manage the unlikely situation when it does, and now you are struggling. An Illinois insurance claims lawyer is here to lend a helping hand.
As an accidental death & dismemberment lawyer in Illinois, our team at J. Price McNamara: Disability, Life, AD&D Insurance Attorneys fully understands how devastating and overwhelming this situation can be. We bring over 30 years of experience to your case, providing you with reliable legal representation.
Our AD&D Attorney Is Ready to Help You
Over the last few years, we have seen an increase in the number of people struggling with denials related to AD&D coverage, and it can be devastating, especially after a serious injury or death.
Many times, our accidental death & dismemberment attorney in Illinois can offer help to you throughout the process of appealing or meeting the timeline requirements. We will:
- Review your claim and look for any areas of potential oversight or mistakes that we can correct. Many times, if we file these claims initially, we can avoid having delays from denials, but our team will help you even if you have a denial.
- Explore your policy and options to determine what your rights are and look for opportunities to move your claim forward. These are complex cases. We strongly encourage you to only work with an AD&D attorney if you need to file a claim.
- Handle the entire process for you. These claims typically fall under federal law, and that means our legal team can help you file a claim no matter where you live. The entire process is done digitally and does not require a physical appearance.
What you should do now is to contact our attorney to request additional information and insight into your options. The longer you wait, the harder it can be to negotiate a better outcome.
With an accidental death and dismemberment attorney in Illinois available to help you, J. Price McNamara: Disability, Life, AD&D Insurance Attorneys can guide you through the entire process.
For a free legal consultation with an accidental death and dismemberment lawyer serving Illinois, call (225) 201-8311
Common Reasons Claim Denials Happen
The benefits promised by accidental death and dismemberment (AD&D) are supposed to provide financial protection in situations of serious physical loss or the loss of a loved one in an unexpected accident.
However, the insurance companies behind these policies often have numerous restrictions and unknown limitations that could cause you to miss key opportunities. We see reasons such as the following for these claim denials:
- The insurer denies the claim, stating the accident was not considered accidental under the terms of the policy. This can be very fine writing on your policy.
- There is a lack of medical records, or the records conflict, creating doubt about the accident or its outcome.
- The policy specifically excludes the cause of death that occurred. A common example of this is substance use or other risky behavior-related accidents.
- Requirements were missed under the law when the applicant applied for coverage.
- They simply want more information.
Most of these policies fall under the Employee Retirement Income Security Act (ERISA) because they are group insurance plans.
It is important that you, as a claimant, follow very specific requirements and act within the necessary timeline to file claims and respond to inquiries. This must be done before you can file a lawsuit against the insurer denying your claim.
Illinois Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
What Can You Expect When You Contact Our Legal Team
ERISA laws can be difficult for even a standard attorney to navigate, but our experience is extensive. We treat every claim with careful attention to your individual needs and specific situations. When you contact us, we get to work handling your case, which typically means requesting an administrative appeal with the insurance company. This is necessary prior to seeking a lawsuit in a federal court.
We will work diligently at this step of the process because, once we move forward with it, no additional information or evidence can be presented once the appeal occurs.
We will request all documentation, denial letters, and any other information from the insurer to review exclusions, coverage, and obligations. You can expect us to gather all medical records available, use our network of experts, and seek additional evidence if possible to build your case.
In situations where the appeal receives a denial, we will then be ready for the next step in filing a federal lawsuit on your behalf. With our extensive experience, we will only have to take this step when we know that you have the right to seek compensation and that the insurer is wrong. When you set up a consultation with us, we will review all aspects of your case to determine if that is a potential outcome.
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We Help Anyone Facing AD&D Claim Denials
It can be devastating to receive a letter in the mail from an insurer stating that you will not be receiving your critical compensation.
Our accidental death and dismemberment lawyer in Illinois handles all types of claims related to these situations in Illinois, including:
- Termination of benefits after initial approval
- Denied claims after your spouse, child, or relative loses their life
- Rejected claims for dismemberment after a serious injury, including situations where you lost your hearing, vision, or a limb.
- Delays and noncommunication from insurance companies, especially if there is the potential of insurance bad faith claims
If you are unsure what your rights are or you just want to be sure that you are receiving fair compensation, reach out to us for immediate help. Our legal team brings experience that is critical to these types of cases, and it can make an incredible difference in your outcome.
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Speak to Our Illinois Accidental Death & Dismemberment Attorney Today
At J. Price McNamara: Disability, Life, AD&D Insurance Attorneys, we know that these denials are often confusing and highly unfair. We will help you with all aspects of filing a claim, appealing decisions, or seeking fair compensation through a lawsuit.
Contact our Illinois accidental death & dismemberment lawyer now to learn more about how we can help you get answers.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
