Accidents can change everything in an instant. When a loved one passes away or suffers a permanent injury, families often turn to accidental death and dismemberment (AD&D) benefits for the financial support they were promised. Sadly, insurance companies do not always pay when they should.
If your claim has been denied, delayed, or questioned, it’s time to speak with an accidental death and dismemberment lawyer in New Jersey who understands how to fight back. At ERISA Insurance Claim Attorneys, we help individuals and families pursue the AD&D benefits they are rightfully owed under employer-provided group plans.
Our founder, Price McNamara, is a dedicated New Jersey insurance claims lawyer with over 30 years of experience handling cases under ERISA, the federal law that governs these types of benefits. We offer focused legal support, personalized attention, and a proven track record of helping clients move forward after tragedy.
Why AD&D Claims Are Often Denied
Accidental death and dismemberment policies seem straightforward. If an accident results in death or serious injury, a lump-sum payment should follow. But insurers often interpret “accident” so narrowly that even obvious claims get denied.
Many families hear that the injury was not “accidental enough,” or that it involved a medical condition, substance use, or excluded event.
Common denial reasons include:
- The insurance company claims the cause of death was illness, not trauma
- The policy contains exclusions for high-risk activities or drug use
- Insufficient evidence or incomplete documentation
- The loss does not meet the policy’s strict definitions of dismemberment
Under the Employee Retirement Income Security Act (ERISA), insurers must provide clear explanations of policy terms and written reasons for denial. But that doesn’t always stop them from relying on vague interpretations to avoid paying.
Our accidental death and dismemberment attorney in New Jersey challenges these tactics head-on by presenting detailed legal arguments and strong factual support.
For a free legal consultation with an accidental death and dismemberment lawyer serving New Jersey, call (225) 201-8311
How Our New Jersey AD&D Law Firm Supports Your Case
Filing a claim or appeal under ERISA is not the same as a typical insurance dispute. The law limits how and when you can present evidence, and there are strict deadlines that must be followed. That’s why you need to have an experienced legal team in your corner.
When you hire our ERISA-focused law firm in New Jersey, we help you:
- Analyze the AD&D policy to identify coverage, exclusions, and loopholes
- Collect medical records, accident reports, witness statements, and expert opinions
- File your initial claim with complete, accurate, and timely documentation
- Appeal any denial through the proper administrative process
- File suit in federal court, if necessary, to enforce your rights under ERISA
Once an appeal is filed, you cannot submit additional evidence later in court. You need to get the paperwork right the first time, and that’s where our experience makes the difference.
New Jersey Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
What Makes Our Firm the Right Choice?
At ERISA Insurance Claim Attorneys, we focus solely on ERISA claims. We don’t spread our attention across multiple practice areas. This narrow focus allows us to understand every detail of how these insurance plans work and how to hold companies accountable when they fail to pay valid claims.
What you can expect from working with us:
- Remote support, statewide:Â We help clients across New Jersey without requiring in-person visits. Everything is handled securely via phone, email, and electronic filing.
- No upfront fees:Â We work on a contingency basis, meaning you pay nothing unless we recover benefits for you.
- Over $10 million recovered:Â Our firm has successfully handled high-stakes ERISA benefit claims, including accidental death and catastrophic injury payouts.
When you’re coping with the loss of a loved one or life-altering injuries, the last thing you need is a complicated legal process. We handle the paperwork, deadlines, and communication so you can focus on what matters most.
Click to contact our Insurance Claims Lawyers in New Jersey today
Do You Need an Attorney for an AD&D Appeal?
Yes, especially if your claim falls under ERISA. This federal law includes procedural hurdles that most families are unaware of. If you miss your deadline to appeal, usually within 180 days of the denial letter, you could lose your chance to recover anything.
Even if you’re still in the early stages, a consultation with a knowledgeable accidental death and dismemberment attorney in New Jersey can help you avoid mistakes.
Many clients come to us after spending weeks trying to get answers from their insurer. Others call right after receiving a denial letter. Either way, we meet you where you are and take over the legal side of the claim so you’re not left dealing with vague responses or endless requests for more documentation.
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Schedule Your Free Consultation With a New Jersey Accidental Death & Dismemberment Lawyer Today
If your family is struggling with a denied or delayed AD&D claim, we’re here to help. At ERISA Insurance Claim Attorneys, we provide compassionate, personalized legal support backed by over three decades of federal benefits experience. You don’t have to navigate this process alone.
Call us now for a free consultation with an experienced accidental death and dismemberment lawyer in New Jersey. We’re ready to fight for the benefits your loved one earned, using a system that works entirely remotely and puts your needs first. Let us help you take the next step toward peace of mind and financial recovery.
Call or text (225) 201-8311 or complete a Free Case Evaluation form