Insurance companies will try to reduce or deny life insurance claims. A Baton Rouge life insurance preexisting condition exclusion lawyer will fight for the benefits your family needs. If necessary, they can also file an appeal or take the case to federal court.
ERISA Insurance Claim Attorneys have been helping families since 1990. Over the years, we have successfully recovered benefits for our clients and helped them build a better life. Our Baton Rouge life insurance lawyer will always represent your best interests.
Call today to schedule a free claim denial review.
Work With a Compassionate Baton Rouge Life Insurance Preexisting Condition Exclusion Attorney
Many families trust that a life insurance policy will offer crucial financial support if a primary earner passes away unexpectedly. However, insurance companies operate as for-profit businesses, meaning they focus on reducing payouts whenever possible. This often leads to wrongful claim denials, leaving families without the benefits they were promised.
As a former insurance company attorney, Price McNamara knows exactly what adjusters hope you’ll do next, and he’ll tell you what you should do instead.
Recovering denied benefits is all we do. We’ll create a custom plan for your case to give you the best chance of winning. Don’t let the insurance company wear you down; get the support you need to fight back.
Understanding the Preexisting Condition Exclusion Under a Life Insurance Policy
A preexisting condition exclusion is a clause in a life insurance policy that limits or denies coverage for deaths caused by medical conditions the policyholder had before applying for the policy. Insurance companies use these exclusions to reduce their risk, often claiming that a person’s health history makes them a higher-risk policyholder.
Common examples of preexisting conditions in a life insurance policy include:
- Diabetes
- Heart disease
- Cancer
- High blood pressure
- Lung disease
- Kidney disease
If a policyholder had one of these conditions before applying for life insurance, the insurer may exclude coverage for any death related to that condition.
A Baton Rouge life insurance preexisting condition exclusion attorney will help review the insurance policy. The ERISA Insurance Claim Attorneys are on your side.
Preexisting Condition Exclusions Impact Life Insurance Claims
Insurance companies use these exclusions to avoid paying benefits when they believe a policyholder’s death was caused by a medical condition that existed before coverage began. Understanding how these exclusions work can help families avoid unexpected claim denials.
Insurance companies may deny a life insurance claim if they determine that the policyholder’s death was linked to a preexisting condition listed in the policy.
The life insurance claim may be denied based on a preexisting condition if:
- The policyholder died from a medical condition they had before purchasing the policy.
- The insurance company discovers an undisclosed health issue after the policyholder’s death.
- The death occurs within the contestability period (typically the first two years of coverage), allowing the insurer to investigate medical history.
If a policyholder dies from a condition excluded in their policy, the insurer may refuse to pay the death benefit. This can leave grieving families without the financial support they are counting on. Even if the exclusion is unclear, insurers may still deny claims, forcing beneficiaries to prove their right to the benefits.
Filing a Life Insurance Claim Appeal
If a life insurance claim is denied due to a preexisting condition exclusion, beneficiaries have the right to appeal the decision. Insurance companies often deny claims unfairly, but an appeal gives families a chance to fight for the benefits their loved one intended for them.
To appeal the decision of denial of the life insurance benefits, take the following steps:
- Review the denial letter: The insurance company must provide a written explanation for the denial. Look for the specific reason cited, including references to a preexisting condition exclusion.
- Examine the life insurance policy: Check the policy’s terms and conditions regarding preexisting conditions. Determine if the exclusion was properly applied or if the denial was based on a misinterpretation.
- Gather medical records and evidence: Obtain the policyholder’s medical history to confirm whether the condition truly contributed to their death. If the cause of death was unrelated to the excluded condition, medical records can serve as proof.
- Request a detailed explanation from the insurer: Ask for clarification on how they reached their decision. Request all documents and reports used in their review.
- Submit a formal appeal: Write a clear and concise appeal letter explaining why the denial was incorrect. Include supporting documents such as medical records, policy details, and expert opinions.
Appealing a denied life insurance claim can be complex, especially when dealing with preexisting condition exclusions. Insurance companies may use broad exclusions or misinterpret medical history to avoid paying benefits. An experienced lawyer can help build a strong case and, if necessary, take legal action to secure the payment you deserve.
If your claim has been denied, don’t give up. Filing an appeal with the right strategy can increase your chances of getting the benefits your loved one intended for you.
Call a Life Insurance Preexisting Condition Exclusion Lawyer in Baton Rouge Today
Insurance companies often use complex policy language and unfair tactics to avoid paying the benefits your loved one intended for you. Our life insurance preexisting condition exclusion lawyer in Baton Rouge can review your case, explain your legal options, and fight to recover the payment you need.
You have the right to challenge a wrongful denial, and taking action now can make all the difference. Call ERISA Insurance Claim Attorneys today to get the support you need to protect your family’s future.