Life insurance should offer security and peace of mind, not confusion and frustration. But when an insurer delays a payout or denies a valid claim, grieving families are left with more stress than support. If this has happened to you, working with a life insurance claims lawyer in Lafayette can make all the difference.
At ERISA Insurance Claim Attorneys, we focus exclusively on ERISA-based life and disability insurance cases. With more than 30 years of experience and millions recovered in unpaid benefits, we help clients across the country get the resolution they deserve—all without setting foot in a courtroom or office. The process our Lafayette insurance claim lawyers use is designed to take the burden off your shoulders while giving you confidence that your case is in capable hands.
Signs the Insurance Company May Be Stalling
Not every life insurance claim is denied outright. Some insurers drag the process out long enough that families give up out of exhaustion or confusion. Others make repeated requests for documents without ever reaching a decision. If you’re dealing with any of the following, it’s time to talk to a professional:
- Long delays without updates.
- Repeated requests for records you’ve already submitted.
- Vague letters with no clear explanation of denial.
- Questions about the cause of death, especially involving whether suicide is a denial of life insurance under the policy.
These tactics are often used to wear claimants down. As Lafayette insurance claims lawyers, we push back and demand answers, ensuring the company follows its obligations under federal law.
For a free legal consultation with a life insurance lawyer serving Lafayette, call (225) 201-8311
Understanding Life Insurance Denials Under ERISA
Most employer-provided life insurance policies fall under the Employee Retirement Income Security Act, or ERISA. This federal law sets strict rules for how insurance claims must be handled—but it also creates strict limitations that can hurt your case if you’re not careful.
For example:
- Administrative appeal: You must complete this process before you can sue.
- Tight deadlines: The appeal must be filed within a limited time window (often 180 days).
- Limited evidence: You may be barred from introducing new information in court if it’s not included in the appeal.
This means that even small mistakes early in the process can have serious consequences later. Our life insurance claims attorney in Lafayette knows how to navigate these rules to protect your rights and maximize your chance of recovery.
Lafayette Life Insurance Lawyer Near Me (225) 201-8311
What We Focus On (So You Don’t Have To)
Dealing with a denied or delayed life insurance claim means navigating complicated policy language, timelines, and legal standards. You shouldn’t have to do that alone.
We take care of:
- Reviewing your full claim file and denial letter.
- Analyzing the policy’s terms, including any exclusions.
- Preparing the appeal with supporting documents and legal arguments.
- Filing a lawsuit in federal court if necessary.
Every step is handled remotely. We work with clients by phone, email, and secure electronic systems—no in-person visits or court appearances required. Even if you aren’t comfortable with technology, our staff provides step-by-step support to make sure nothing is overlooked.
Click to contact our Lafayette Insurance Claims Lawyers today
The Cost of Handling a Life Insurance Denial Alone
Many families try to take on the insurance company themselves at first. It seems simple enough—you submit documents, answer a few questions, and wait for a response. But with ERISA claims, the process is anything but simple. The insurer controls the records, sets strict deadlines, and often uses technical language to justify a denial. Without knowing the rules, it’s easy to miss a critical step.
Working with a life insurance claims lawyer in Lafayette means you don’t have to carry that burden. We know how to interpret complex policy language, how to meet every deadline, and how to make sure the insurer doesn’t get away with shortcuts. Most importantly, we level the playing field so you have the same strength on your side that the insurance company already has working against you.
Complete a Free Case Evaluation form now
Why Choose Our Lafayette Life Insurance Claims Law Firm
We aren’t a general practice. We don’t split our time between dozens of practice areas. Our firm focuses only on ERISA life and disability insurance claims. That’s it.
Our founding attorney, Price McNamara, has over three decades of experience working on both sides of these cases. His knowledge of how insurance companies operate helps us anticipate the tactics they’ll use—and stop them in their tracks. That perspective, combined with our responsive client service, has allowed us to help countless families move forward with financial stability after a denial.
We also know how important communication is during these cases. Claim denials come with a heavy emotional toll, and our job is not only to fight the legal battle but also to keep you informed, supported, and confident in the process.
Talk to an Attorney Who Knows ERISA Life Insurance Claims
If your claim is sitting in limbo or you’ve received a denial letter, don’t wait for the insurance company to change its mind. The appeals process is time-sensitive, and missing a step can cost you your right to take further action.
At ERISA Insurance Claim Attorneys, we offer free consultations, and you won’t pay anything unless we recover benefits for you. With 30+ years of focused experience, we’re here to guide you through the next step.
Contact us today to speak with a life insurance claims attorney in Lafayette. We’re ready to help you move forward.
Call or text (225) 201-8311 or complete a Free Case Evaluation form