Many of us pay monthly accidental death and dismemberment insurance premiums with the expectation that our families will receive financial assistance if the unthinkable happens. Unfortunately, insurance companies frequently deny legitimate claims citing a policy exclusion such as intoxication, drug overdose, or even that you’re not the beneficiary as an excuse to deny your claim.
The insurer will send a denial letter telling you that under “Federal ERISA law” you can “appeal” the denial, but they do not give you any meaningful direction on how to appeal in a way that may actually win back your denied benefits. They hope you give up and go away or that you file an appeal which simply argues why the denial was wrong (most make this mistake). Either way, the insurer will win, and you’ll lose your chance of receiving the benefits you deserve.
Don’t worry! There is another option, but it’s important to understand your rights BEFORE you file an appeal. The insurers don’t want you to know that you can build your appeal systematically, in a way the insurer knows will have the best chances to stand up in court if they deny your appeal.
A skilled Baton Rouge Accidental Death and Dismemberment Lawyer can help you navigate your plan’s claim and appeals processes — as well as ensure that you avoid costly mistakes! Consider speaking with an experienced ERISA accidental death and dismemberment insurance attorney before you appeal today.
