Accidental Death And Dismemberment Claim Help
Our Florida life insurance claim lawyers can help you file or fight a claim for accidental death or dismemberment insurance. Oftentimes, life insurance companies in Florida may try to deny a claim for accidental death or dismemberment claiming the death was not accidental, or there was some coverage defense like material misrepresentation. If you had a claim denied or delayed in Florida for accidental death life insurance or dismemberment insurance, contact a Florida life insurance attorney today for a free consultation at 800-337-7755.
We handle Florida life insurance claims on a contingency fee basis, which means you only pay us if you receive compensation. We even waive all attorneys’ fees and costs if there is no recovery.
What Is Accidental Death Or Dismemberment Insurance?
As a parent, spouse, or sibling, you know that your family’s health and physical, emotional, and financial well being is of utmost importance. You would do anything to ensure your family is provided for and well taken care of. But what if something happens to you?
Life insurance is a no brainer. In the event that something should happen to you, life insurance should step up and financially provide for your family to help them get their feet back on the ground during a trying time. It’s obvious to assume that life insurance will only kick in when you or a loved one passes away, but that’s actually not the case.
A low cost “rider” to a standard life insurance policy that many policyholders opt for is Accidental Death & Dismemberment, or AD&D. Accidental Death benefits may be awarded to the beneficiary of the insurance policy in the event that the insured dies as a result of an accident caused by an unforeseeable circumstance. Dismemberment, on the other hand, allows you to recover up to 100% of your policy limits while you are still alive. So what does dismemberment mean?
Collecting Life Insurance When You Are Still Alive For Dismemberment Benefits
Dismemberment is the loss of a limb or use of a limb. But for the purposes of your life insurance policy, dismemberment typically means that an injury from an accident has resulted in your or your loved one’s permanent disability. Common “permanent disabilities” that are covered by dismemberment may include loss of a limb, paralysis, and blindness. Self inflicted injuries, illnesses, or injuries that were reasonably foreseeable may not be covered.
Say for example, you are hit by a drunk driver and as a result of your extensive injuries, are now paralyzed from the waist down. You can’t return to work because your job requires you to be on your feet all day. Now, you’re stuck at home unable to work, and unable to provide for your family. Your insurance company should then step in and pay out your dismemberment benefits.
Fighting Claim Denial In Death And Dismemberment Insurance Cases
Insurance companies love to deny claims because they want to avoid actually paying you. Denials are often issued when an injury occurs within two years of taking out the initial life insurance policy. A claims adjuster from your insurance company, a person who is not a medical professional, may review your medical records and documentation, and may try to make the claim that your injuries either 1) are not permanent, 2) not severe enough to be entitled to coverage, or 3) not disabling. Again, this person is unlikely to have the kind of medical training or experience to make such a judgment at your expense.
A denial on your life insurance Dismemberment claim can be discouraging. Policyholders and beneficiaries are often hesitant to fight dismemberment claims, especially since life insurance generally relates to a person’s death rather than an injury. But don’t give up! Instead, get in touch with a Florida Accidental Death & Dismemberment lawyer who can fight the insurance companies head on. The experienced Florida life insurance lawyers at the Law Offices of Jason Turchin have years of experience communicating and negotiating with insurance companies. We want you to have the benefits you’re entitled to in your pocket. Call 1-800-337-7755 today for your free consultation!