New York City Life Insurance Lawyers

New York City Life Insurance Lawyers | Law Offices of Jason Turchin

Losing a loved one is already difficult, but dealing with a life insurance claim denial or dispute can add unnecessary stress. In New York City, life insurance policies are meant to provide financial support to beneficiaries after a policyholder’s death. However, many beneficiaries face challenges such as delayed payouts, denials, or even disputes over who is entitled to receive the benefits. If you are dealing with a life insurance issue, having an experienced New York City life insurance lawyer on your side may help you navigate the complexities of the claim process.

At the Law Offices of Jason Turchin, we have helped many clients resolve life insurance disputes and recover the benefits they are entitled to. If you need assistance with a life insurance claim, call us today at 800-337-7755 for a free consultation, or use our live chat to connect with one of our agents. We work on a contingency fee basis, meaning you won’t pay any legal fees unless we win your case or secure a settlement.

Common Issues with Life Insurance Claims in New York City

Life insurance claims may not always go as smoothly as expected. Insurance companies can delay or deny claims for a variety of reasons, which can leave beneficiaries struggling to get the financial support they were promised. Some common issues with life insurance claims in New York City include:

• Claim Denials: Insurance companies may deny claims for various reasons, such as alleged misrepresentation by the policyholder, policy exclusions, or failure to pay premiums. If you believe your claim was wrongfully denied, you may be able to challenge the denial in court.
• Delayed Payments: Even when a claim is valid, the insurance company may delay payment for months while they investigate the claim. This can put beneficiaries in a difficult financial situation, especially if the proceeds are needed to cover immediate expenses like funeral costs or outstanding debts.
• Beneficiary Disputes: In some cases, disputes may arise over who is entitled to the life insurance benefits. This can happen when there are competing claims from family members or when changes to the beneficiary designation are contested.

How a New York City Life Insurance Lawyer Can Help

Life insurance disputes can be complex, especially when insurance companies use tactics to deny or delay payment. In many cases, beneficiaries need legal assistance to resolve these issues and recover the benefits they deserve. An experienced New York City life insurance lawyer may be able to help you with:

• Challenging a Denied Claim: If your claim has been denied, a lawyer can help you review the denial letter, investigate the circumstances, and file a lawsuit to challenge the denial. This may involve gathering evidence, such as medical records or proof that the policyholder complied with all policy requirements.
• Resolving Delays: When an insurance company delays payment, it can create financial hardship for beneficiaries. A lawyer can help expedite the process by holding the insurance company accountable and working to ensure that the claim is paid promptly.
• Handling Beneficiary Disputes: Disputes over who is entitled to the life insurance proceeds can be difficult to resolve without legal intervention. Whether you are the named beneficiary or you are contesting another party’s claim, an attorney can represent your interests in court and help resolve the dispute.

Life Insurance Claims in New York State Courts

Many life insurance disputes in New York City are handled in state court, especially when the issue involves breach of contract claims or disputes over policy provisions. The New York courts regularly handle cases involving life insurance denials, beneficiary disputes, and claims involving alleged misrepresentations by the policyholder.

In these cases, a New York City life insurance lawyer can help guide you through the state court system, ensuring that all necessary legal procedures are followed and that your case is presented effectively.

Contesting Life Insurance Claims in New York City

In New York City, beneficiaries have the right to contest a life insurance claim denial if they believe the denial was unjustified. Insurance companies may deny claims for a variety of reasons, but not all denials are valid. If your claim has been denied, it is important to understand the grounds for the denial and whether it can be challenged.

Common reasons for contesting a life insurance claim in New York City include:

• Misrepresentation on the Application: Insurance companies often deny claims based on alleged misrepresentations by the policyholder. However, not all misrepresentations are material, meaning they may not have affected the issuance of the policy. If the alleged misrepresentation did not influence the insurance company’s decision to issue the policy, the denial may be challenged.
• Policy Exclusions: Some life insurance policies have exclusions, such as for deaths caused by certain high-risk activities or medical conditions. If the insurance company denies your claim based on a policy exclusion, a lawyer can help you review the policy terms and determine whether the exclusion applies.
• Lapsed Policies: If the insurance company claims the policy lapsed due to non-payment of premiums, beneficiaries may contest the denial if they can prove the policyholder was entitled to continued coverage, such as through a grace period or waiver of premiums due to illness.

Beneficiary Disputes in New York City

Beneficiary disputes are one of the most common reasons life insurance claims end up in court. These disputes can arise when there is confusion over the policyholder’s true intentions, or when changes to the beneficiary designation are contested by family members or other interested parties. Some of the most common beneficiary disputes in New York City include:

• Contested Beneficiary Changes: If the policyholder made changes to the beneficiary designation shortly before their death, other family members may challenge the validity of those changes. This often happens when there is suspicion that the policyholder was coerced or influenced into making the change.
• Competing Claims from Ex-Spouses: New York law has specific provisions regarding the rights of ex-spouses to life insurance benefits after a divorce. In some cases, an ex-spouse may still be named as the beneficiary, leading to disputes between the ex-spouse and other family members or new spouses.
• Undue Influence or Fraud: In some cases, a beneficiary designation may be challenged on the grounds that the policyholder was under undue influence or that the change was made fraudulently. These cases often require detailed investigations and legal representation to resolve.

Why Choose the Law Offices of Jason Turchin?

At the Law Offices of Jason Turchin, we understand how difficult it can be to navigate the legal challenges surrounding life insurance claims. Our team has extensive experience representing beneficiaries in life insurance disputes and other cases throughout New York City, and we are committed to helping you recover the benefits you are entitled to.

We offer free consultations to discuss your case and determine the best course of action. We also work on a contingency fee basis, so you won’t pay any legal fees unless we win your case or recover a settlement. If you need help with a life insurance claim in New York City, contact us today at 800-337-7755 or use our live chat feature to speak with an agent. Let us help you fight for the benefits you deserve.