Life Insurance Claim Denial Due to Contested Cause of Death
As Florida life insurance attorneys we are well aware of the techniques insurance companies use to deny a claim. With life insurance claims, matters can be more difficult due to the grief and worry that come from the passing of a loved one. Dealing with an insurance company is not a priority in these circumstances. Indeed, insurance companies may take advantage of this fact. Many life insurance contracts are controlled by the Employee Retirement Income Security Act ("ERISA"). Policies governed under ERISA require that a denial be appealed within sixty (60) days of denial. The policy itself may also contain language that may attempt to limit your ability to place a claim after a certain period of time. For such reasons, it is important that you hire a South Florida Life insurance claims attorney to assist you with this process. Thus, you will avoid making mistakes that may jeopardize your claim. Note that all appeals must be exhausted before a lawsuit can be filed.
Insurance companies often rely on the cause of death to deny a life insurance claim. For example, they may allege that suicide was the cause of death. It is well known that coverage for suicide is excluded under most life insurance policies. When it comes to accidental death and dismemberment life insurance coverage, many insurance companies allege that death was the result of natural causes or a decease or infirmity. For example, an insurance company may deny a claim for a person that expired due to malpractice during a medical operation. The insurance company may allege under such a circumstance that death resulted from infirmity or natural causes as opposed to an accident.
When it comes to determining a cause of death things may get complicated. Therefore, it is important to hire a Broward life insurance attorney to help you with such a claim. An attorney will be able to determine what the best course of action will be in your circumstances. An attorney will also make sure to get all the documentation and evidence needed to properly process your claim. Hiring counsel from the beginning may avoid complex issues in the future and allow you to receive your benefits sooner. Issues can also be complicated by what is called an incontestability provision. This means that during the first two years of coverage an insurance company can void or rescind a policy due to misrepresentation. After these two years the insurance company would have to show that it was a fraudulent misrepresentation. Whatever the cause of the denial, Florida insurance dispute attorneys are here to assist you.
Our Miami life insurance dispute lawyers are here to assist you 24/7. Do not hesitate to contact us. Insurance disputes are complicated and should be handled by an insurance lawyer. The insurance companies have a plethora of mechanisms by which they can deny and delay your claim. Insurance companies have their own lawyers and experts. For that reason, you should hire your own South Florida life insurance denials claims attorney to assist you with your matter. We can be reached at 1.888.413.8353.