Life Insurance Lawyer in Kansas City, MO
For years, you faithfully paid your monthly premiums to the life insurance company. You upheld your end of the bargain, but when your loved one passed away, the life insurance company delayed and then denied payment in the moment you needed them the most.
Life insurance claim denials are among the most traumatic insurance disputes our firm handles. You are already dealing with the loss of a loved one, but now you have added stress, financial hardship and overwhelming confusion because the insurance company will not pay your claim. You can appeal the denial, but the prospect of battling the insurance company seems complicated and hopeless.
Our Kansas City Life Insurance Attorney Can Help
Our objective is to get the benefits you are entitled to without any further delay. Though some life insurance appeals can take months or longer, our firm has successfully handled cases in this unique area of law and are ready to produce the strongest possible appeal on your behalf.
If your claim was denied, please contact our life insurance appeal law firm at 816-203-0143 as soon as possible. You only have a limited time to appeal the denial. This deadline depends on the policy, but it could be as short as 60 days. If you don’t appeal by that deadline, the denial will be final, and you will lose your right to file a case in court. These rules can be very harsh, but they were written to benefit insurance companies.
Free, No Obligation Claims Evaluations
Here’s how we can help you now:
- Call us today at 816-203-0143, for a free, no obligation consultation about your claim. We will evaluate your claim and policy for free and advise whether you should hire an attorney or whether you can handle your claim on your own.
- If your claim has been denied, send us your denial letter and we will review it for free. You can mail a copy to our address below or fax it to 816-203-0143. Our free review will include a potential strategy on how to fight back.
Whatever you do, you should act quickly because there are strict deadlines to appeal claims and enforce your rights. The failure to do so in a timely manner can be fatal to your claim.
Why Was My Life Insurance Claims Denied?
The denial letter from an insurance company may list a variety of reasons why your claim was denied. But there are basically two reasons for a denial:
- The insurance company may deny your claim because the death was not covered or was excluded from the policy. Our life insurance lawyer can review your life insurance policy and any relevant medical records or other documentation to determine if this is correct. Many times, it is not.
- The insurance company may deny your claim for no reason at all. From experience, we have seen insurance companies deny claims without legal or factual support. It may be incompetence, or they may be denying claims with the hope that the claimant won’t appeal. Regardless, the insurance company has no incentive to correct their “mistake” because it improves their bottom-line. As a result, these denials must be appealed to get the benefits you paid for.
If you obtained a life insurance policy from an employer or group plan, it likely is governed by a law known as ERISA (the Employee Retirement Income Security Act). ERISA claims and appeals are much more complicated than non-ERISA life insurance policies purchased by individuals.
ERISA is a federal law that strongly favors insurance companies. ERISA is complex and has specific rules and very short deadlines that you must follow. If you do not, your appeal for benefits will be dead on arrival. In addition, many life insurance policies provided through group plans have specific exclusions, such as Accidental Death & Dismemberment (AD&D) policies. The terms of these policies can be vague and confusing, which allow insurance companies to wrongfully deny claims.
Not many attorneys are experienced in ERISA cases. Many attorneys that know about ERISA simply won’t take these cases. Other attorneys that do not handle these cases may do more harm than good.
How Our Life Insurance Appeal Law Firm Can Help
When you contact our firm, we will need to get some basic information your claim and will want to review a copy of the denial letter you received from the insurance company. We will review this information, do any necessary legal research, and provide you with a free evaluation of your claim.
Our evaluation will detail why we believe your claim was denied and whether you have a strong legal basis for an appeal to overturn that denial. If it appears that your appeal cannot be won, we will tell you that. If we believe your claim is valid, we will provide a strategy going forward. Again, we will provide you with all this information for free, and there’s no obligation to hire our firm.
We Don't Get Paid Unless You Do
We handle most life insurance appeals on a contingency fee basis, which means we only get paid if we recover money for you. Our fee is based on a percentage of the amount recovered, and it is contingent on that recovery. We also advance costs and expenses for your case. If no recovery is made, you owe us nothing. In this way, we share in the risk of the appeal and are your partner in obtaining the benefits you deserve.
Call Our Kansas City Life Insurance Appeal Lawyer
The law that governs most life insurance policies, known as ERISA, strongly favor insurance companies. These laws were not made for consumers, and it is easy to make a mistake in appealing a life insurance denial. For this reason, we strongly recommend you consult with an ERISA-trained life insurance appeal lawyer early in the process.
Our Kansas City life insurance appeal lawyer is ready to assist you in filing a claim or appeal that is clear, complete, and persuasive. Our goal is to make the insurance company pay any benefits you are owed and remove the stress from this situation so you can focus on what matters most.
If you are a beneficiary of a life insurance claim that has been denied, please contact our firm for a free, no obligation consultation: 816-203-0143.
Don’t wait, call today.