The unexpected loss of a family member or a life-altering injury can create incredible turmoil for families. You thought your insurance company would help, but they failed to.
At J. Price McNamara: Disability, Life, AD&D Insurance Attorneys, our accidental death & dismemberment lawyer in Texas becomes your advocate. You do not have to face this unfair treatment on your own. Our Texas insurance claims lawyers have over three decades of combined experience.
Common Reasons the Insurance Company Denied Your Claim
Accidental death and dismemberment (AD&D) claims can be complex for multiple reasons. These insurance policies promise to provide financial support in situations of serious, paralyzing, or significant physical loss or when a person loses their life.
However, insurance companies often deny these claims, often in unfair ways. Some reasons insurance companies may give you for denials include:
- The incident was not classified as accidental under the policy’s definition.
- The application does not include accurate or specific medical records.
- The data within medical records is conflicting or confusing with the evidence presented
- The policy does not include specific causes of death, such as engaging in risky activities or substance use-related losses
- You failed to provide specific technical requirements as required under the law
In every one of these cases, you should not simply agree and move on. Instead, hire our accidental death & dismemberment attorney in Texas to review your case, determine if it is valid, and then appeal the decision of the insurer.
It is very common for the rules to be confusing, and missing them can lead to a loss of your right to appeal. We help you avoid those situations.
For a free legal consultation with an accidental death and dismemberment lawyer serving Texas, call (225) 201-8311
Why Trust Us with Your Claim
In difficult situations like this, having an attorney with over 30 years of experience can make an incredible difference in your future. We understand the complexities of these claims, which often are governed by the Employee Retirement Income Security Act of 1974 (ERISA).
When you choose us to help you, you gain:
- Experience that matters. We have direct experience fighting claim denials like this in Texas. That is not something many attorneys in the area can offer. That experience leads to better outcomes for victim families.
- Specific legal guidance. Our legal team focuses exclusively on ERISA benefit cases, which allows each person who works on your case to have specialized skills and in-depth knowledge of losses, including accidental death and dismemberment claims.
- Careful management of your claim. Our law firm handles your case electronically, ensuring fast, reliable service and eliminating the need for you to be present. That saves you time.
This is a hard legal situation to be in, and it is very common for victims not to realize they have a way forward. Our team understands exactly what you are facing because we have successfully helped many victims like you.
Contact J. Price McNamara: Disability, Life, AD&D Insurance Attorneys now for a free consultation to discuss your rights.
Texas Accidental Death And Dismemberment Lawyer Near Me (225) 201-8311
Who Can Seek Help for an ERISA Claim Denial
If you filed an accidental death and dismemberment claim and received a denial for any reason, we want to speak to you. We offer free consultations so victims can receive legal guidance and understand their rights without risk.
We can help you if you are in Texas and are one of the following:
- Received a denied AD&D claim after filing the claim for the loss of your spouse, child, or other close relative
- You are facing bad-faith handling of an insurance claim
- Received a termination of benefits after first receiving approval
- Received notice of a rejected claim even though you had a serious injury, including the loss of vision or hearing, or the loss of a limb
In these situations, our accidental death & dismemberment lawyer in Texas will review your situation, gather data to determine if you have a valid reason to seek an appeal, and then work closely with you to move your case forward.
We encourage you to reach out to us for immediate help and, even if you are not sure what your rights are, to allow us to investigate fully on your behalf. There is no risk in doing so.
Click to contact our Insurance Claims Lawyers in Texas today
What Has to Happen in an ERISA Claim and What Goes Wrong
When you are facing the loss of a family member, navigating the complexities of these insurance laws may be the last thing you want or can do. However, you must understand the rules, or you may be unable to seek the fair damages owed. ERISA governs many group-based insurance policies, such as those from employers.
If the insurance company denies your claim, you must navigate an administrative appeal process with the company before you can seek a lawsuit in federal court.
Once this happens, no additional evidence can be brought into the case, which is why it is so important to work with our attorney, who has ample experience in cases like this, to guide you.
We handle the entire process for you, including obtaining all plan documents, denial letters, and other case-related details. We review this information and determine which medical records, accident reports, and expert testimony are necessary to ensure the administrative appeal process proceeds properly. In the event of a denial at that hearing, we will then move forward with seeking a lawsuit on your behalf.
Federal Law Typically Trumps Texas Laws
Note that the ERISA laws on the federal level often provide you with more protection than the state laws or have stricter rules that must be adhered to when filing a claim.
Our extensive experience allows our team to build a strong case for you. Before you walk away and assume you have no right, seek a consultation. Browse our client testimonials to learn more about our firm’s success.
Complete a Free Case Evaluation form now
Schedule a Free Consultation with Our Texas Accidental Death & Dismemberment Attorney
At J. Price McNamara: Disability, Life, AD&D Insurance Attorneys, we provide answers and support even in the most challenging of legal matters.
Our Texas accidental death & dismemberment lawyer becomes your advocate through one of the most challenging times of your life. You do not have to face these losses on your own.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
