Accidental death and dismemberment policies pay benefits to the beneficiary if the cause of death is an accident. This is a limited form of insurance which is generally less expensive than other insurance policies.
These are ‘peace of mind’ contracts. The contract or policy will set out several definitions and terms. Contractual definitions and terms are almost always open to interpretation.
Most of these denials involve disputes over allegations of misrepresentation, non-payment of premiums, and, in particular, exclusion clauses and definition of “loss”. Due to the many restrictions and exclusions, the process of claiming the benefit may be lengthy.
Our insurance denial lawyers have successfully resolved denied claims by bringing forth the medical and collateral evidence required to resolve disputes over accidental death and dismemberment insurance denials.
Even in circumstances where the insurance company permits you to appeal the decision, it is still important to seek legal advice from an insurance denial lawyer for the following reason:
YOU ONLY HAVE A LIMITED TIME WITHIN WHICH TO TAKE LEGAL ACTION. THIS IS CALLED A LIMITATION PERIOD. WHEN THE TIME LIMIT BEGINS TO RUN WILL DEPEND ON THE FACTS OF YOUR CASE.
Time limits are not the same for every policy and every circumstance and that is why it is essential to get legal advice to know what time limits apply in your particular circumstance.
If an insurer has wrongfully denied you benefits, you may have no alternative but to take legal action.