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Too much is at stake to guess about the best approach and strategy for fighting your denied insurance claim — years and years of financial security.
After spending years representing insurance companies, we don’t guess. We know their playbook and how they work behind the scenes. Using that knowledge, we’ve developed our own Clear Advantage Process for fighting claims.
It’s personally satisfying to use what I’ve learned as an insurance company insider, now for the good — helping families reverse unfair denials of insurance benefits they paid for, need and deserve.
People take out a policy of life insurance in hopes that their loved ones will be financially taken care of when they pass away. During the “lifetime” of a life insurance policy, which an individual usually obtains through his or her employer (in which case ERISA applies), the insured individual pays monthly premiums. The insured will also designate a beneficiary who is entitled to a payout when the time comes that the insured passes away.
All too often, however, insurance companies will deny life insurance claims made by beneficiaries. When that happens, you may have the option of appealing your claim denial, both administratively and in the federal court system, assuming that ERISA applies. The experienced life insurance appeals attorneys in Houston at the Law Offices of J. Price McNamara are here to help. Please reach out to learn more about how we can assist you with filing your life insurance appeal in a timely manner.
There are many reasons why a claim for life insurance benefits under a Houston policy may be denied. In many cases, the insurance company will claim that the circumstances surrounding the insured’s death fell within an exclusion under the policy. For example, the insured may have somehow contributed to his or her own death.
The insurance company might also claim that the insured failed to pay his or her premiums and that consequently, the policy lapsed at some point during the lifetime of the insured. Our life insurance appeals attorneys in Houston can assist you with responding to a life insurance claim denial.
If the insurance company denied your claim for life insurance benefits, you will first have the opportunity to file an administrative appeal of your claim denial. Administrative appeals are handled in-house by the insurance company. During this process, you may be able to submit additional documentation in support of your benefits claim (i.e., documentation that may have been missing previously).
Once you submit this additional documentation, the insurance company will review it and make a decision. If the insurance company still denies your claim, then you may be able to appeal your case to the federal court system, assuming that the policy is part of an employer-sponsored benefits plan.
In the federal court system, you will have a hearing before a federal charge. At that time, you will no longer be able to supplement the administrative record by introducing new evidence or documentation. The federal judge, rather than a jury, will make the final decision in your case about benefits. The experienced life insurance appeals attorneys in Houston at the Law Offices of J. Price McNamara can represent you at your hearing and other legal proceedings that may go forward in the court system.
At the Law Offices of J. Price McNamara, our legal team can guide you through the complicated appeals process. To schedule a free case evaluation and legal consultation with an experienced life insurance appeals attorney in Houston, please contact us online today.
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