We represent insureds and beneficiaries in claims for benefits and proceeds of life insurance or accidental death and dismemberment policies.  We handle both ERISA § 502 claims against employer provided group life insurance or AD&D plans, and claims against insurers of individual policies.  Life or AD&D insurance provided by or through your employer will be an employee benefit plan covered by ERISA.  

Life and AD&D insurers often deny claims, relying on an obscure exclusion within a policy.  Insurers may assert that the death or injury was the result of a voluntary act or injury.  Alternatively, insurers will deny claims because they claim the injury or death was caused by a negligent third party, such as in medical malpractice.  

When ERISA governs these claims, the claims process is vastly different than when ERISA does not apply.  ERISA coverage will limit your ability to use evidence supporting your claim, give you limited rights to appeal an insurer's denial of the claim, and deny you any right to give testimony supporting your case.  The earlier you get an ERISA lawyer involved when you face a dispute over insurance proceeds, the higher your odds of success.  If you have been denied life or AD&D insurance proceeds, call us today!