Life Insurance Lawyer Nashua
Nashua New Hampshire is a great place, however, what is not so great is the high volume of denied life insurance claims here. Our life insurance lawyers will fight the insurance companies to get you the full value of your policy.
Experiencing the death of a loved one can be difficult enough without having to deal with the added stress of filing for a death benefits claim through the life insurance company. Unfortunately, many families find that they need to go through the often-complicated claims process in order to receive death benefits to cover funeral costs, burial expenses, and other related costs.
What can make matters exponentially worse is when a life insurance claim is either delayed or denied following submission. By understanding how the claims process works and what your options are for disputing a denial, you'll be in better shape to handle such an occurrence.
Understanding the Claims Process
First of all, it's important to understand the possible outcomes when a life insurance claim is submitted by a beneficiary. Typically, one of three things will happen.
Ideally, the claim will be approved and pay out any funds within 30 days from the date the claim was received by the company. If a claim isn't immediately approved because additional documentation is required, it is considered to be delayed. Unfortunately, delays can last for several months or frequently even years; it really depends on what the reason for the delay is and who is responsible for correcting it.
A worst-case scenario would be an instance where the life insurance claim is outright denied by the insurance company. This essentially means that the claim is not going to be paid out. Some denial letters will include the specific reasoning for the denial, whereas others may be vague.
When to Hire a Life Insurance Attorney
If you have recently had a life insurance claim either delayed or denied altogether, it's in your best interest to consult with a life insurance lawyer as soon as possible. Specifically, be sure to work with an attorney who has at least 15 years of experience handling life insurance appeals so you can rest assured that he will be well versed in the complex laws that come into play.
In the case of a claim delay, having a life insurance attorney will help to speed up the often-complicated legal process so you can have your claim approved sooner rather than later. In the case of an outright denial, a life insurance attorney will assist in the process of appealing the insurance company's decision.
The Life Insurance Lawyer's Role
When you hire a life insurance attorney to assist you with your life insurance claim delay or denial, you can make the entire process much easier on yourself and your loved ones. For instance, your life insurance attorney will be able to handle the claim denial investigation, collecting any necessary documentation, and submitting a 100-200 page life insurance appeal brief.
Do you have an AD&D claim? Do you have an SGLI claim? Do you have a FEGLI claim? Do you have any life insurance claim denied or delayed or life insurance beneficiary dispute? If so, speak with a life insurance lawyer today. From there, you can explore your options and make a well informed decision regarding which next steps you should take.
Frequently asked questions we would be happy to answer
What are the list of life insurance companies not paying claims?
What should I do if I received a life insurance denial letter?
What should I do if my life insurance claim was denied due to smoking?
What is the life insurance 2 year clause?
What do I do if my Metlife claim was denied?
What are some reasons that life insurance won’t pay out?
How do I file a life insurance claim?
How do I appeal a life insurance denial?
What is the life insurance claim denial rate?
What do I do if my life insurance claim was denied due to alcohol?
What are the reasons why life insurance claims are denied?
What are the reasons for life insurance policy denial?
How do I dispute life insurance denial?
What are the worst life insurance companies for paying claims?
Where do I get the list of life insurance companies under investigation?
What are the best life insurance companies?
What percentage of life insurance companies pay out?
I would like an insurance claim denial letter sample please?
How to write an appeal for life insurance?
Can I see an insurance appeal letter sample?
Does smoking void a life insurance policy?
What are the life insurance claim rejection reasons?
What happens after lying about smoking on life insurance?
What is the inconstestability clause?
Can life insurance deny a claim?
What is the life insurance contestability period in my state?
What happens when life insurance refused payout?
What if I am a beneficiary of a life insurance policy?
How to claim life insurance in case of death?
How long do you have to claim life insurance?
Do life insurance companies contact beneficiaries?
How do life insurance companies investigate claims?
Please use our contact form for any questions. We handle delayed life insurance claims, denied life insurance claims and life insurance beneficiary disputes.