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Life Insurance Claim
The death of a family member is traumatic and painful. Moreover, if that person was relied upon to provide financially, the monetary survival of those left behind is at risk.
That’s why life insurance exists. Purchasing a life insurance policy is a decision to try to protect the beneficiaries from financial burden if the worst is to happen. The expectation is that the insurance company will pay the agreed-upon death benefit in exchange for all those months and years of paying the premiums. And the family trusts that their trauma and pain won’t be compounded by the prospect of losing their home or not being able to send their children to college.
And it’s not just families. Life insurance policies are also commonly used by businesses to protect themselves financially in the event of the death of a core partner, executive, or employee.
But insurance companies won’t pay the death benefit if they think they can get away with it. And they can be very creative in trying to do so. If that happens, know that you don’t have to fight alone for the benefits you need and deserve. Manuel Diaz Law Firm, PC insurance recovery attorneys have fought every tactic these companies attempt, and with the help of an attorney, you’ll have a much better chance of a successful resolution.
Ways They’ll Try to Deny
Depending on the situation and the company in question, the bereaved family or hobbled business may face one or more of the following ploys:
- Retroactive Cancellation: The insurance company will claim that the policy was voided, expired, or wasn’t paid for prior to death.
- Death Doesn’t Qualify: It will claim that the way the policyholder died is not covered.
- Misrepresentation: It will allege that the policyholder misrepresented essential facts about himself or herself in the agreement, therefore voiding the policy.
This is not an exclusive list. Insurance companies are exceedingly creative because denying claims means more money in their pocket.
In addition to denied claims, other problems can arise with life insurance. Often, there can be a competing-claims dispute between a newly added beneficiary and the claimant, or a beneficiary who has been removed from the policy and still pursues a claim. Whether an ex-spouse, new spouse, a child, stepchild, friend, or business partner, these situations can be complicated. Determining the rightful beneficiary and proving their claim successfully can be stressful, painful, and lonely. Let Manuel Diaz Law Firm, PC take care of it, we are here to fight to get our clients the benefits they need and deserve.
How We’ll Fight for You
To start, at Manuel Diaz Law Firm, PC an insurance recovery attorney will review your case in a free consultation. If we take your case, there will not be any upfront costs for you. In these cases, we work on a contingency fee basis, which means we get paid only if you win. In addition, when we win in many of our cases, we are able to make the insurance company pay attorney’s fees and costs.
Your insurance company won’t be happy to hear you’ve hired us. We have a well-earned reputation for being willing to do whatever it takes for our clients, including going to trial if we have to.
Our team of experts and investigators will carefully go through the details, circumstances, and fine print of your case and insurance contract. Flimsy excuses and unfounded assertions will fade away, and your chances of getting your benefits will greatly improve.
It’s important that you call us right away. The faster we get involved, the sooner your case might be resolved in your favor, and the less likely you’ll miss an important detail or deadline that could cause problems if not dealt with in time.
You don’t have to fight alone. When we take your case, we’re committing to being there at your side through thick and thin to get you the benefits you deserve, whatever it takes. Call us now for your free, no-obligation consultation.