Life Insurance Claims

Florida Life Insurance Claim Attorneys For Life Insurance Denial Or Dispute

Life Insurance Claims

As a Florida life insurance attorney, we see many life insurance claims that are denied, delayed or disputed. Dealing with the passing of a loved one is a difficult and tough process. Sometimes our loved one has taken the precautionary measures to have a life insurance policy. As a beneficiary of a Life Insurance Policy in Florida, you are entitled to the benefits of that policy. It is one of the most frustrating times when the life insurance policy you feel you deserve is suddenly not paid.

Why was I Denied my Benefits?

Being denied benefits is common in Florida. Life insurance companies collect billions in premiums every year. Denying and disputing claims for benefits after the death of the policyholder is a common occurrence. Benefits can be denied for many reasons such as unpaid premiums and suicide, claim disputes or policy issues. One common denial is “material representation.” This means that the policy holder’s application for benefits allegedly failed to disclose, or inaccurately disclosed some important detail relevant to that individual’s eligibility for the policy.

What can I do to Dispute my Denied Benefits?

If your claim for life insurance benefits as a beneficiary has been denied, our life insurance attorneys may be able to help. Don’t simply take no for an answer.

Common Reasons a Life Insurance Claim is Denied

Navigating a life insurance claim in Florida can be a complex process, and facing a denial can add an additional layer of stress and uncertainty. At the Law Offices of Jason Turchin, our experienced Florida life insurance lawyers are committed to helping clients understand the common reasons behind claim denials and providing the legal support needed to challenge unjust decisions. Here, we outline some of the most frequent causes of life insurance claim denials and how our team can assist you in addressing them.

Misrepresentation on the Application

One of the leading reasons for life insurance claim denials is misrepresentation on the application form. This includes inaccuracies or omissions regarding health conditions, lifestyle choices (such as smoking or alcohol use), or income. Insurers may use these discrepancies as grounds to deny a claim, arguing that the policy would not have been issued had the true information been disclosed. Our legal team carefully reviews the policy and application process to contest these denials, especially in cases where the discrepancies are irrelevant to the cause of death.

Lapsed Policy Due to Non-Payment

Policies can lapse if premium payments are not made on time, leaving beneficiaries without coverage when a claim is filed. However, there are circumstances, such as issues with billing notifications or automatic payment failures, where the policyholder may not be at fault. Our attorneys can explore all avenues to prove that the lapse was not due to the policyholder’s negligence and work to reinstate the policy benefits.

Exclusions Specified in the Policy

Life insurance policies often contain exclusions that limit coverage under certain conditions, such as death resulting from high-risk activities, certain diseases, or substance abuse. We can analyze the policy’s terms and the circumstances surrounding the policyholder’s death to challenge denials based on exclusions, helping to ensure that insurers are not unjustly denying valid claims.

Disputes Over Beneficiary Designations

Disputes among family members or between former and current spouses over who is the rightful beneficiary can lead to claim denials. Our legal team can intervene in these disputes, providing representation to help ensure that the policyholder’s intentions are honored and that the rightful beneficiaries receive the proceeds.

Contestability Period Issues

Insurers may have the right to contest a claim if the policyholder dies within a certain period after the policy is issued, typically two years. While insurers may investigate the claim more thoroughly during this period, it does not automatically justify a denial. We can help clients navigate contestability challenges, defending the validity of the claim.

How the Law Offices of Jason Turchin Can Help

Facing a life insurance claim denial can be daunting, but you don’t have to confront it alone. The life insurance attorneys at the Law Offices of Jason Turchin offers experienced legal representation to challenge denials and pursue the benefits you are entitled to. Our approach includes:

  • Comprehensive review of your case and the reasons for denial.
  • Gathering evidence to contest the insurer’s decision.
  • Negotiating with the insurance company for a fair resolution.
  • Litigating the case in court if necessary to protect your rights.

If you or a loved one has encountered difficulties with a life insurance claim in Florida, contact the Law Offices of Jason Turchin for guidance and support. Our dedicated team is here to ensure that your rights are protected and that you receive the compensation you deserve.

What is “Bad Faith?”

Life insurance companies will often do their best to lengthen the dispute and time it takes to get you the answers you deserve. When the insurer intentionally stalls the paying of benefits, is negligent, fraudulent, or lengthens of the process of dispute, it may be acting in “Bad Faith.” This is against the law. Our Florida life insurance lawyers have the experience necessary to get you the answers you deserve.

Ex-Spouse Life Insurance Claim Help

If you are struggling with a life insurance claim involving an ex-spouse, the Law Offices of Jason Turchin can provide the legal assistance you need. Our experienced team understands the complexities that often arise in these situations, and we are here to help guide you through the process.

Whether you are the ex-spouse named as a beneficiary, or if you are contesting a beneficiary designation, we can help. We can work diligently to protect your rights and interests, and strive to resolve your case in a fair and timely manner.

Our team at the Law Offices of Jason Turchin has a comprehensive understanding of life insurance law, and we have helped numerous clients navigate the intricate landscape of ex-spouse life insurance claims. We can help you understand the legal intricacies involved and will work tirelessly to ensure you receive the benefits you are entitled to.

When Should I Contact an Attorney?

Life insurance companies often know that this time is hard for you. They may know you are likely going through a traumatic experience and that you may lack the fight it takes to dispute their denials. Do not allow them to do this. Call our office immediately at (800) 337-7755 following the denied benefits or life insurance claim delay. This can give us the time necessary to gather the evidence needed to dispute their denial.

Our life insurance claim lawyers are experienced in handling claims against these life insurance companies. Our staff is trained to handle these sensitive matters with compassion and diligence. Losing a loved one is hard enough. Don’t allow the insurance company to deny your benefits before speaking with one of our attorneys.

Don’t take the life insurance company’s denial as your final answer. Our office handles all life insurance claims on a CONTIGENCY FEE basis. This means we do not collect fees unless a recovery is made. Sometimes the insurance company even has to pay all or part of our attorneys’ fees. Give us a call for a FREE CONSULTATION. You may be entitled to part or even all of the policy!

Helpful and related article: Bloomberg

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