A Shreveport accidental death and dismemberment lawyer can help if you need to file a claim through an employer-sponsored accidental death and dismemberment (AD&D) insurance plan. Often backed by the Employee Retirement Income Security Act of 1974 (ERISA), these policies provide benefits in the event of catastrophic injury or death.
ERISA intends to create a fair framework for many employer-sponsored benefits. If the insurance company denies your claim, ERISA offers pathways to appeal or file a lawsuit in federal court.
A Shreveport insurance claims lawyer from our team at ERISA Insurance Claim Attorneys can help if you need to appeal the company’s decision.
We have over 30 years of experience helping people get the benefits they deserve. Contact us today to schedule a free, no-obligation consultation and find out how we can help you, too.
How Can an Accidental Death and Dismemberment Lawyer in Shreveport Help?
When you or a loved one suffers a catastrophic injury, you’ll have a lot on your mind besides filing paperwork and dealing with insurance companies. A skilled attorney can help when you need the benefits provided by ERISA accidental death and dismemberment insurance. We can:
Manage Your Claim
We can help you understand your rights, explain the policy, and answer your questions. We’ll handle the paperwork, ensure you submit documents on time, and deal with the insurance company so you can focus on healing and your family. We can also help you understand the possible exclusions in your AD&D policy.
Assist With Your Appeal
If an insurance company denies your claim, our team can help you prepare an administrative appeal and submit it to the insurer. We’ll review your denial letter and gather any additional documentation to prove your claim and refute the denial.
Ensure Compliance With ERISA Rules
Sometimes, insurance companies fail to follow ERISA requirements, making it challenging for you to get the information you need for your claim. Your attorney can hold them accountable when they don’t comply with the law.
Represent You in Court
When your ERISA appeal with the insurance provider is unsuccessful, you have the option to file suit in federal court. Your attorney can help you prepare for the hearing and represent you in the courtroom.
For a free legal consultation with an accidental death and dismemberment lawyer serving Shreveport, call (225) 201-8311
What Is Accidental Death and Dismemberment Insurance?
Accidental death and dismemberment insurance provides financial benefits to the policyholder or a beneficiary when the policyholder suffers a serious injury or death due to an accident. It is different from life insurance and personal injury insurance.
Typical benefits may include a lump sum paid out to a designated beneficiary in the event of the policyholder’s death, along with coverage for loss of:
- Limbs
- Sight
- Hearing
- Speech
An accidental death and dismemberment attorney in Shreveport can help you understand policy details.
Many workplaces offer accidental death and dismemberment insurance as part of their benefits packages. Often, employer-sponsored programs must adhere to the guidelines established by ERISA.
We can explain when accidental death and dismemberment insurance comes into play.
Shreveport Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
What Is ERISA?
The Employee Retirement Income Security Act is a federal law that creates safeguards for employer-sponsored benefits plans, such as AD&D coverage. It can help employees, but it can be complicated and hard to understand.
Through ERISA, employees have a mechanism to appeal a benefits denial. In some cases, they may have recourse for a lawsuit in federal court. ERISA covers most benefits plans for private-sector employees.
A Shreveport AD&D lawyer can help you better understand how ERISA relates to your claim, as well as how to navigate the claims and appeals processes.
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What Happens if My ERISA Claim Is Denied?
If the insurance company denies your ERISA accidental death and dismemberment claim, you have 180 days from the date of the denial to file an administrative appeal with the insurance provider. During this time, you should submit any additional evidence and documentation that supports your claim.
Mistakes during the appeals process can harm your chances of success. If you haven’t already hired a lawyer, now is the time. An experienced ERISA attorney can help you prepare your appeal, gather supporting evidence, and ensure all required documents are completed and submitted on time.
If your administrative appeal is unsuccessful, your attorney can help you file a lawsuit in federal court. The judge will typically review your case based on the existing administrative record, so we must include as much information as we can with your initial appeal. We know how to appeal an ERISA accidental death and dismemberment insurance claim denial, so reach out today.
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Why Choose Us to Handle Your Accidental Death and Dismemberment Claim?
Our team at ERISA Insurance Claim Attorneys understands what it takes to successfully handle accidental death and dismemberment claims for clients who turn to us for help. We have decades of experience, and we only handle ERISA claims.
We can handle everything electronically or over the phone when you turn to us for help, making it easier for you to handle the legal process. We’ll assist you every step of the way and work to resolve your claim efficiently.
Additionally, we work on a contingency-fee basis, so you’ll only pay legal fees if we resolve your claim.
Who Can File an Accidental Death and Dismemberment Claim?
In Louisiana, only specific individuals have the legal authority to file an accidental death and dismemberment claim under a policy. Understanding who is eligible to file can help ensure a smoother claims process.
- If the insured person suffers a qualifying injury covered by the policy, they themselves can file the claim to receive benefits for losses such as loss of limbs, eyesight, or hearing.
- In the event that the insured dies as a result of an accident, the named beneficiary listed on the policy is typically responsible for filing the claim to obtain the death benefit.
- If no beneficiary is named or the beneficiary is deceased, a legal representative of the insured’s estate may file the claim on behalf of the deceased person’s estate.
It’s important to follow the requirements and submit the necessary documentation to avoid delays or claim denial. An experienced insurance attorney can help you understand your rights and handle any complications during the claims process.
Get Help From an Accidental Death and Dismemberment Attorney in Shreveport
When you or a loved one suffers a catastrophic injury, accidental death and dismemberment insurance can provide some small degree of solace. Because ERISA backs it, you can trust in a fair and transparent process.
But that doesn’t mean your insurance provider won’t delay or deny your claim, for reasons that might not make sense. Our accidental death and dismemberment attorney in Shreveport can help you understand your policy and challenge your denial.
Our team at ERISA Insurance Claim Attorneys has stood up for people denied the benefits they deserve since 1990. Contact us today to schedule a free consultation and find out how we can help.
Call or text (225) 201-8311 or complete a Free Case Evaluation form