Give the burden to us. Regain your peace of mind.
We’ll take it from here. Call now.
Give the burden to us. Regain your peace of mind.
We’ll take it from here. Call now.
If you are the beneficiary of a loved one’s life insurance policy, you may have faith that this policy will pay out benefits when your loved one dies. On the other hand, you may be concerned that the benefits would be denied based on details in the fine print that neither you nor the insured knew about or understood. This concern may very well be valid in some situations.
Due to state laws such as the intoxication exclusion for life insurance, as well as based on the circumstances surrounding the death of the insured, the insurance carrier may not have to pay the beneficiary for the claim. If an insurance carrier is refusing to pay a claim due to an intoxication exclusion rule, it may be prudent to speak to an ERISA intoxication exclusion lawyer. An experienced insurance attorney may be able to help you and your loved ones if a life insurance company is denying payment based on an intoxication exclusion or other fine print.
Insurance policies are legally binding contracts between the insured and the carrier. They are based on the concept of good faith, meaning both parties are being forthright and honest with each other. Upon approval, the insured has the right to accept or reject the policy. If they accept it, they agree to the terms of the contract.
In addition, individual states have their own regulatory department for insurance that governs how policies can be written. This department also reviews policies to ensure they are aligned with the state’s insurance laws.
Insurance companies in the United States may add their own exclusions to their policies, taking into account the laws in each state. These exclusions state circumstances under which they would not pay on a claim, even one overseen by ERISA. The law allows insurance carriers to use intoxication exclusions for life insurance.
This law means that life insurance companies could potentially deny a claim if there is evidence that alcohol consumption was either directly or indirectly related to the death. While more than a dozen states are starting to make alcohol exclusions illegal, About three dozen states either implicitly or explicitly allow intoxication exclusions in ERISA policies for health, accidental death and dismemberment, disability, and life insurance.
For beneficiaries who have had a life insurance claim denied based on the intoxication exclusion, all hope may not be lost. Insurance policy language could often be interpreted in more than one way. Carriers might like to interpret them to their own advantage, but their interpretation may not always be correct or legal.
An experienced lawyer may be able to determine when a life insurance company is avoiding the truth or trying to interpret their policy to their benefit. If they do identify one of these issues, they could advocate on a policyholder’s behalf to get them the benefits they need.
While intoxication exclusion for life insurance may be allowed by law, the interpretation of intoxication and whether or not the circumstances of the death were due to intoxication could be debatable. Knowledgeable insurance lawyers could be well-versed in federal and state insurance laws, as well as in how policy language could be difficult to understand and interpret.
If retained, your ERISA intoxication exclusion lawyer may be able to assist you with a life insurance claim has been denied due to an intoxication exclusion. Get help with your life insurance claim by calling to schedule a consultation today.
This has been a very difficult time for myself and my family. Mr. Mcnamara did his best to be as empathetic and compassionate as possible. He is very knowledgeable and a man of great integrity.
This has been a very difficult time for me and my family, but Mr.Mcnamara has been very empathetic and understanding. He is extremely knowledgeable and a man of great integrity. I truly appreciate everything he did to make this as Tolerable as possible.
I am so thankful Price was my attorney during this difficult time in my life after losing my fiance. He made me feel very comfortable I trusted that he had my best interests in mind. I highly recommend him I was truly blessed to have had him help me fight for what is mine.
I would like to take a moment to thank Mr. Price McNamara for the leadership of legal counsel aid him and his staff showed through the entire process of working with me with my Disability case. I will highly recommend Mr. Price McNamara to anyone that needs someone that is outstanding to fight for their
Price was instrumental in assisting me through the disability process. Without his help and guidance , I do not think that I would have been successful !!!! Thank you Price.
Mr Price is great attorney with great skills and lot of experience. But BEST QUALITY he has that he is wonderful human being he care for your family and you as a human being. My family thanks you very much. GOD bless you and your staff.
The law firm of Price McNamara has successfully settled our law suit when other attorneys said that we had no case Price assured us that we did and in eight months he was able to negotiate a settlement that we were told that we could not get. I highly recommend his law firm and I
I want to say thanks to J. Price McNamara for the sound free advice he gave me related how to increase my chances of being approved for Long Term Disability of being denied. I must say after implementing elements of his sound advice such as showing the insurance company proof of how my illness/disability had
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
Complete the confidential form below for a free, no obligation case evaluation and we’ll tell you how we can help.
You may also call us at the number below. J. Price McNamara and his legal support team are focused on building a strong case for you.
Copyright 2021. All Rights Reserved
How did we do?
Note: Your review may be shared publicly.