Life Insurance Claims
How Can an ERISA Attorney Help?
Our ERISA attorney Robert J. Rosati may be able to assist you in obtaining life insurance benefits. We can use many approaches to fight a denied life insurance claim. We may prove that a death was accidental, that the insured did not contribute to his or her own death, or that circumstances were sufficiently unclear as to warrant a reasonable settlement. We may show that the insurance policy was “incontestable,” that an alleged misstatement on the application was based on ignorance, or that the insurance company could have uncovered the health condition through its own physical exam and investigation at the time of the application.
ERISA Attorney for Denied Life Insurance Claims
At ERISA Law Center, we represent survivors or beneficiaries who are being denied life insurance benefit payments. We focus on life insurance policies that were obtained in connection with employment. These policies usually fall under the Employee Retirement Income Security Act of 1974 (ERISA).
We like to believe that an insurance company will stand behind a life insurance policy it has issued. It seems almost unthinkable that when we have suffered the loss of a loved one, we could then be told that the life insurance policy is not valid. Unfortunately, in too many cases surviving family members find themselves in this situation.
Sometimes an insurance claim will be challenged because the insurance company claims that the insured person committed suicide. In other situations, the insurance company will argue that the deceased contributed to his or her own death by virtue of illegal or irresponsible conduct that is not covered under the policy. Other insurance claims may be denied based on an insurance company claim that the insured misrepresented his or her medical condition at the time he or she submitted the insurance application. If the insurer can find medical records or other evidence that conflict with the application, it will usually deny the claim.