Life Insurance Denial Lawyers Helping Claimants Nationwide
A life insurance claim denial requires the help of a lawyer when an insurance company either refuses to pay the death benefit to a beneficiary(s) or refuses to waive the premium when an insured is disabled. Our lawyers have helped hundreds of families / beneficiaries to collect life insurance death benefits as result of the loss of a loved one or life insurance policy holder. Life insurance companies perform extensive investigations prior to paying death benefits as they are looking for a reason not to pay a claim. It is always in your best interest to consult with a life insurance lawyer prior to submitting a claim for life insurance proceeds. Our lawyers always provide a free immediate phone consultation to discuss how we could assist you.
How Could A Life Insurance Claim Be Denied?

Life insurance companies rely on exclusionary clauses in a life insurance policy to deny payment of life insurance proceeds to a beneficiary(s). Understanding the terms and conditions of the life insurance policy is very important, especially when a beneficiary is often seeing a life insurance policy that they are not familiar with. Every life insurance policy has different exclusionary language so the language in the insured’s life insurance policy will govern. The exclusions that insurance companies most commonly rely upon to deny death benefits and the ones we have litigated are as follows:

Misrepresentation The life insurance company claims that the insured either failed to disclose information when applying for benefits or answered an application question in a manner that was false. The insurance company attempts to rescind / cancel the life insurance policy claiming that if they had not been misled then they would not have sold the life insurance policy. Life claims based upon misrepresentation are often litigated as the life insurance company claims the applicant failed to disclose relevant information. Most misrepresentation claims deal with an insured failing to disclose a prior medical issue at the time they apply to obtain the life policy. A typical misrepresentation life insurance denial occurs when the life insurance company investigates the medical history of the insured post death and learns about a pre-existing condition which would have prevented them from selling the life insurance policy. As long as the death of the insured is more than two years after it was issued, then a life insurance company cannot deny for misrepresentation unless they can prove that the insured intentionally or fraudulently misrepresented. There is a significant difference between a negligent misrepresentation and an intentional misrepresentation which is what become the focus of life insurance claim based upon misrepresentation.
Suicide The life insurance company claims that that insured took his or her own life and as a result death benefits are not payable. There is a lot of litigation in this area as to whether the death was intentional or accidental. For example, insurance companies have denied life insurance claims arguing that a drug overdose resulting in death was a suicide. In most life insurance policies, if a suicide takes place 2 years after the policy is issued, then a death by suicide is not excluded.
Illegal Activity Most life insurance policies state that if an insured dies as the result of engaging in an illegal activity, then death benefits are not payable. Our lawyers have litigated many life insurance denials where the insured died in a car accident in which he or she was allegedly driving under the influence of drugs or alcohol. These life insurance denials are highly litigated as the insurance company must prove that the insured was intoxicated in accordance with the laws of the state in which the accident took place. Drug overdose death claims are also commonly considered an illegal activity resulting in claim denial.
Substance Abuse The life insurance company claims that death was due to the abuse of drugs or alcohol. This provision is commonly litigated as an insured’s alleged abuse of a substance is subject to interpretation and the alleged abuse may not have been the cause of death. An alcoholic can die as a result of numerous other causes and the fact the person was an alcoholic should not preclude him or her from eligibility for death benefits. There have also been cases where a claimant dies of a heart attack and the life insurance company denies life insurance benefits claiming the death was due to an abuse of prescription drugs.
Dangerous Activity The life insurance company claims that the insured engaged in an activity such as sky diving, race car driving, cliff diving, mountain climbing, back country skiing, etc. and the policy excludes coverage for any death caused while performing activities considered extreme. The policy may state the dangerous activities which are not covered which exclude payment of death benefits.
Life Insurance Waiver of Premium Claims
Our law firm regularly handles waiver of premium claims for life insurance policies. A waiver of life insurance premium provision states that if a policy holder is “disabled” then the premium for life insurance is no owed. The definition of “disability” in a waiver of premium provision in a life insurance policy is usually similar to the definition of “disability” in a long-term disability policy. In most claims we handle the long-term disability benefit and waiver of premium claims simultaneously for our clients. It is common for the life insurance waiver of premium definition of disability to change from “own occupation” to “any occupation” after 12-24 months from the date of disability. Unfortunately, a life insurance company will first deny the waiver of life insurance premium claim and then try to use the same information to deny the long-term disability claim. As a result of this, claimants need to be proactive in fighting the waiver of life insurance premium denial. While challenging a life insurance waiver of premium denial it is very important to pay any premiums owed so that you can maintain the life insurance policy in case you lose your challenge to the denial. Any of our lawyers are available for a free phone consultation to discuss your waiver of life insurance premium claim denial.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Unum is evil
Every month I get paid on a different date
They will do anything to not approve your claim
Reply
Don't trust them, they like to play games
Lyme Disease Disability Claim Denial
Disappointed with NY Life Disability Excuses
New York Life is a joke!
They FULL OF ****
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Sun Life Wrongfully Denies Disability After Paying For 23 Months
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision
Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal
Prudential reverses decision to terminate LTD benefits of MRI Tech with Primary Progressive Multiple Sclerosis and degenerative Disc Disease
Engineer With Depression Wins Prudential LTD Appeal
New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis
Reviews from Our Clients







5 Ways We Help Get Your Benefits Paid
Our goal is to get your application for disability insurance benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their hired gun doctor.
Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.
If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.
Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of disability. We encourage you to contact any of our long-term disability attorneys for a free immediate review of your disability denial.
98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the little guy against the multi-billion dollar insurance company giants.
We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.
Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.
Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.
Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.
Questions About Hiring Us
We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.
Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.
We offer disability insurance attorney representation nationwide and we welcome you to contact any of our LTD lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 900 videos and regularly provide tips to help protect your disability benefits.
Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.
Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.
A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.
Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.
Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.
The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.
In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.
No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.
When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.
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