When someone suffers a sudden fatal injury or permanent loss due to an accident, families often turn to accidental death and dismemberment (AD&D) insurance for financial support. Sadly, insurance companies frequently deny or delay valid claims, citing technicalities, exclusions, or ambiguous policy language.
In times like these, working with an accidental death and dismemberment lawyer in New York can protect your rights and your family’s future. At ERISA Insurance Claim Attorneys, we help grieving families and injured individuals across the country pursue the benefits they’re owed under employer-sponsored AD&D policies.
Led by Price McNamara, a skilled New York insurance claims lawyer, our firm brings over 30 years of experience handling ERISA-based claims. We understand how emotionally difficult these cases are, and we know how to stand up to insurers who try to avoid paying what they promised.
What AD&D Insurance Is—And How Denials Happen
AD&D insurance is designed to pay benefits when an accident results in death or the loss of a limb, sight, hearing, or other critical function. Many people receive AD&D coverage as part of an employer-sponsored group benefits plan, which typically falls under ERISA, the Employee Retirement Income Security Act of 1974.
Under ERISA, insurers must follow procedural requirements and provide clear reasons for denial under 29 U.S. Code § 1133, which mandates a fair claims process.
Still, denials are common. Our ERISA law firm in New York regularly helps clients who were told:
- The cause of death or injury was not “accidental”
- The incident involved intoxication, illness, or pre-existing conditions
- A claim was filed too late or lacked required documentation
- The policy did not cover the specific loss or situation
Insurance companies often interpret “accidental” in the narrowest possible way to avoid paying, even in situations that clearly fall within policy coverage.
For a free legal consultation with a Insurance Claim lawyer serving New York, call (225) 201-8311
How a New York AD&D Attorney Can Help You
Filing an AD&D claim should be straightforward if the loss is considered an accidental death, but under ERISA, the process becomes complex and time-sensitive. Insurers count on grieving families to make mistakes, miss deadlines, or accept denials without question.
That’s why we act fast to preserve your rights and prepare a claim that is clear, complete, and backed by medical and legal evidence.
Our accidental death and dismemberment attorneys in New York help clients by:
- Reviewing your AD&D policy to understand coverage limits and exclusions
- Gathering accident reports, medical records, and witness statements
- Preparing and submitting complete, timely claims
- Responding to denials with a strong administrative appeal
- Filing suit in federal court if necessary
Because ERISA rules limit what evidence can be added later, it’s essential to build a strong case from the beginning. Our team knows what insurers look for and how to prepare a file they can’t ignore.
New York Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
Why Choose ERISA Insurance Claim Attorneys?
AD&D claims are emotional and complex. We understand you need more than legal help; you need a team that respects your situation and fights for your family’s future.
Here’s why clients trust us:
- Nationwide service, fully remote: We represent clients throughout the U.S. using secure digital systems. You don’t need to leave your home or attend any court appearances.
- Contingency fees, no upfront costs: You pay nothing unless we recover benefits on your behalf. Our capped fee structure ensures fairness.
- Proven results: We’ve recovered over $10 million in denied ERISA benefits, including AD&D cases involving fatal accidents and catastrophic injuries.
When you work with us, you’re not just a file number. You’re a person who deserves answers, justice, and peace of mind.
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What Makes ERISA AD&D Claims So Challenging?
Unlike personal accident claims or life insurance cases, ERISA-governed AD&D policies often require a deeper understanding of both federal law and the insurer’s internal processes. Once a claim is denied, you typically have 180 days to submit an appeal. If your appeal is denied, your only option is a federal lawsuit.
The problem is that you cannot submit new evidence once the case moves to court. That’s why you should work with a law firm that focuses on ERISA disability and benefit claims, not general insurance disputes.
We know what insurers require in a claim file, and we know how to spot weak denials masked in legal language. Whether you’re dealing with a denied AD&D claim after a car accident, workplace injury, or sudden fall, we’re ready to step in and take over the legal burden.
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Talk to an Experienced Accidental Death and Dismemberment Law Firm in New York
You and your family deserve honest answers and full compensation when a tragedy strikes. At ERISA Insurance Claim Attorneys, we combine over three decades of legal experience with a focus solely on ERISA disability and benefit cases.
That niche knowledge, paired with our personalized, one-on-one approach, makes us the firm families across New York trust to get results.
Call us today for a free consultation with a dedicated accidental death and dismemberment attorney in New York. There’s no fee unless we recover benefits for you, and no travel or in-person meetings are required. We’re here to help you take the next step with confidence and clarity.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
