A catastrophic injury or the loss of a loved one can be devastating and leave you with many unexpected expenses. These emotional losses are often traumatic as well. Swift financial recovery can help ease some of your stress as you figure out how to move forward. An accidental death & dismemberment lawyer in Pennsylvania can help you navigate the claim process and negotiate a fair sum.
J. Price McNamara: Disability, Life, AD&D Insurance Attorneys provide trusted counsel and compassionate guidance when you need to pursue compensation from an accidental death & dismemberment claim.
With prior experience in the insurance industry, we can anticipate challenges and be proactive about resolving them. A Pennsylvania insurance claims lawyer fiercely protects your interests.
What Constitutes Accidental Death & Dismemberment Insurance
Accidental death & dismemberment (AD&D) insurance is designed to pay for losses sustained in a catastrophic injury accident or following an accidental death. These traumatic events often have steep price tags, leaving individuals and families unprepared for the unexpected expenses. AD&D insurance can help cover these losses to ease the burden caused by an accident.
This benefit is commonly included in the benefits workers receive from private employers. AD&D insurance and certain other benefits are governed by federal law, which means that benefit management, claim processes, and distribution are all standardized across Pennsylvania and the U.S. This can also make navigating benefits more confusing, so be sure to consult a lawyer on how to proceed.
Additionally, many clients find AD&D insurance and life insurance confusing and may mix up what each policy covers. Where these two policies are concerned, the difference between accidental death and dismemberment insurance and life insurance is that the former strictly covers deaths and injuries caused by accidents, while life insurance covers death caused by a variety of factors.
For a free legal consultation with an accidental death and dismemberment lawyer serving Pennsylvania, call (225) 201-8311
What Events and Injuries Qualify for Accidental Death & Dismemberment in Pennsylvania
Coverage from accidental death & dismemberment insurance applies to accidents and deaths caused by events such as car accidents, falls, work injuries, drowning, homicide, and catastrophic injuries.
However, there are also some situations that this benefit doesn’t cover. This includes suicide, natural causes, illnesses, intoxication, risky activities, and more. Your policy can provide further insight into coverage.
For eligible individuals, AD&D insurance covers specific injuries such as paralysis, loss of a limb, loss of hearing, vision, or speech. It can also cover comas, as well as accidental deaths. AD&D insurance pays out cash benefits for qualifying injuries, so you do not have to bear the full burden of these costs on your own. Be sure to thoroughly document these injuries, though, to be able to recover benefits more easily.
Review your policy to determine if you are eligible to file an AD&D claim. Your policy can also shed light on how to submit your claim and what deadlines and exclusions may apply.
You can also consult an accidental death & dismemberment attorney in Pennsylvania from our team to provide clarity and guide you through the process so you can be sure that you have a strong claim.
Pennsylvania Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
A Pennsylvania Accidental Death & Dismemberment Attorney Can Walk You Through What Compensation You Can Secure
Accidental death & dismemberment insurance benefits can be a great resource and support when you are facing a loss, as well as a lost source of income. Severe injuries and unexpected deaths are stressful on their own, without having to add financial stress to the mix. However, if you are eligible for AD&D insurance, the compensation it provides can cover a few key losses.
Most commonly, AD&D Insurance covers a variety of medical expenses from initial and ongoing treatments to surgeries, and more that are associated with injuries.
If an accidental death occurred, this benefit can help cover the costs of funeral arrangements as well as burial costs. Additionally, injured individuals or beneficiaries can also use these benefits to offset lost income and lost benefits.
With the help of AD&D insurance, eligible parties can have the funds to not only cover important, unexpected costs, but it can also help them recover and move forward more easily after a difficult time by providing peace of mind. Compensation from these benefits is often fixed or a specific percentage of losses, so having a lawyer to help ensure you receive what you are entitled to is important.
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Common Reasons for AD&D Claim Denials and How to Appeal
Injured individuals and surviving family members receive AD&D claim denials far too often. When you are grieving your injury or loved one, dealing with a denied claim can be stressful and overwhelming. Because these benefits are governed by strict federal laws, missed deadlines, incomplete applications, and a lack of medical documentation can make it harder to receive benefits.
However, our team can walk you through how to appeal and win a denied accidental death insurance claim, as well as one for dismemberment. Prompt action is necessary as you only have 180 days to submit an appeal. We review your denial letter to ascertain the insurance company’s reason, and then proceed to request your file and collect evidence if you’re entitled to an appeal.
During an appeal, the insurance company reviews the information from your initial claim and the other evidence that was added to it. At this point, they may overturn the initial decision or reaffirm it.
If the latter should occur, J. Price McNamara: Disability, Life, AD&D Insurance Attorneys can pursue an external appeal to help secure benefits. With knowledge of the insurance system, we can effectively fight for you.
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J. Price McNamara: Disability, Life, AD&D Insurance Attorneys help you recover benefits whether you’ve suffered an injury or lost a loved one.
Our compassionate team supports you during this difficult time in your life and fights for you. To understand how a Pennsylvania accidental death & dismemberment lawyer can serve you, schedule a free consultation with our team today to discuss your options.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
