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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.
Filing a claim for life insurance benefits in San Antonio can be a complicated and tedious process. In order to be eligible to file a claim, you must be the designated beneficiary under the policy. In addition, you must submit all of the relevant documentation that your insurance company requires, such as a copy of the insured’s death certificate.
If you are the designated beneficiary under a life insurance policy that is covered by ERISA, the experienced legal team at the Law Offices of J. Price McNamara is here to assist you with bringing the claim, and if necessary, appealing any claim denial later on. Please reach out to learn more about how we can assist you with your life insurance benefits claim today.
When an individual decides to take out a policy of life insurance, usually through his or her employment, the insured is required to designate a beneficiary. This individual will receive a payout when the insured passes away. In addition, to keep the policy in effect, the insured is required to make premium payments at regular intervals while he or she is alive. These payments are usually made on a monthly basis.
The insured passing away is the triggering event under a life insurance policy. At that time, the surviving beneficiary can make a claim for benefits with the insurance company. In order to do this, the beneficiary must submit all of the relevant documentation and must file the claim within the time period specified by the insurance company.
Even when beneficiaries think that they are doing everything right, there are certain reasons why insurance companies may deny a claim for life insurance benefits. First, they may argue that the death of the insured fell within a policy exclusion, such as when the insured individual contributes to his or her own death. In addition, the insurance company may contend that the necessary documentation was not provided and/or that the claim for benefits was not filed in a timely manner.
If the insurance company denied your claim, it must send you a denial letter. This letter must explain why the claim is being denied and must also outline your administrative remedies. You can then file an administrative appeal with the insurance company and submit additional documentation, if necessary. If the administrative appeal or appeals are unsuccessful, you have the option of filing a complaint in federal court and litigating your case there. The knowledgeable team of life insurance claims attorneys in San Antonio at the Law Offices of J. Price McNamara can assist you throughout the entire appeals process.
At the Law Offices of J. Price McNamara, our legal team can help you file a claim for life insurance benefits or appeal a claim denial. To schedule a free case evaluation and legal consultation with an experienced life insurance claims attorney in San Antonio, please contact us online today.
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