Close

Pennsylvania Life Insurance Claim Denial Attorney

Table of Contents

    If you are the beneficiary of a life insurance policy, the benefits you receive could be a significant financial asset. They also represent the wishes of the insured regarding who they want to receive benefits. If a claim has been denied or an insurance company is telling you they are investigating the matter for an unreasonably long period, you need the representation of our Pennsylvania life insurance claim denial attorney.

    If you are the named beneficiary on a life insurance policy that has been denied or if you believe that the insurance company is purposefully dragging the process out, contact the Reiff Law Firm. Our experienced attorneys have been representing individuals struggling with insurance companies for decades. To schedule a free, confidential appointment, call the Reiff Law Firm at (215) 709-6940.

    Lawyer Handling Denials of Life Insurance Claims in Pennsylvania

    Insurance providers employ experienced accountants, actuaries, and attorneys. They are charged with calculating the risk of any policy they issue and ensuring that they are not required to pay more than necessary. Denials of life insurance claims are profitable for insurance companies, and there is an assumption that beneficiaries will not pursue legal action.

    If your claim is denied, the insurance provider will typically close the file. Because the insurer is not working for your best interests, they will not readily work with you in solving a dispute or negotiating a compromise. Our experienced Pennsylvania life insurance claim denial attorneys understand the frustration and have several legal strategies we can employ for dealing with insurance companies.

    Life Insurance Claim Denials Under Federal and Pennsylvania Law

    It is vital to have an experienced attorney working on your behalf if a life insurance claim is denied. The Pennsylvania and federal laws governing individual and group life insurance policies are complicated. If you do not understand the complexities of the controlling law, the chances of overturning a denial are drastically reduced.

    Having our Pennsylvania life insurance attorney, who is well-versed in both Pennsylvania and federal law, working for you is vital when appealing a denied claim. Depending on the type of insurance policy that was denied, the governing law will be different. Individual policies are typically governed by Pennsylvania contract law, while group life insurance policies fall under the federal Employee Retirement Income Security Act (ERISA).

    Common Reasons Life Insurance Claims Are Denied in Pennsylvania

    Under many circumstances, a beneficiary will have no issues dealing with a life insurance company. When a policy has been in force for decades with regularly paid premiums, most insurance providers will pay the required benefits the insured envisioned. This is especially true if the deceased was elderly and died of natural causes.

    However, life insurance companies make profits by collecting premium payments and not paying significant claims. If a policy is only a few years old, the value is substantial, or the cause of death is in question, a provider could reject the claim on any of the following grounds

    Mistakes or Misrepresentation

    A common reason an insurance company will deny a claim is a mistake or a misrepresentation on the insurance application. The information you provide must be accurate – especially your medical history or unusual risk factors. Insurance companies often assume that mistakes are intentional lies and deny claims on those grounds. Our Pennsylvania life insurance attorneys are familiar with these allegations and understand that the majority of misrepresentations are justifiable errors, misunderstandings, or accidental omissions.

    Contesting or Investigating a Claim

    Every life insurance policy has a period of contestability included in its terms and provisions. Typically, the period is two years from the date the policy starts, but it can vary from policy to policy. Should a policyholder die during this early period, the insurance company is entitled to investigate to determine if misrepresentation or fraud occurred. It is not uncommon for an insurance provider to take advantage of this provision to deny an otherwise valid claim.

    If a death is accidental, there could be some questions as to whether the policyholder took their own life. Suicide is a legitimate reason for denying a claim, but the burden of proof rests with the insurer. Our seasoned attorneys are prepared to argue against unfounded allegations of suicide or self-harm.

    Additionally, accidental death claims are often denied by insurance providers. An insurer will take the position that the death was not accidental if the insured’s negligence played a direct role in the death. Fighting these rejections is similar to fighting rejections based on claims of suicide; we will prove that someone else caused the accidental death.

    Failure to Pay a Premium

    If the insurance customer failed to pay the policy premiums, the life insurance coverage could lapse. If this occurs, the policy could be forfeited, prohibiting the beneficiaries from collecting any benefits. Typically, the lapse in payments must be significant and a policy’s coverage should not lapse for a couple of missed payments.

    Fighting a Denied Insurance Policy Claim in Pennsylvania

    If you are having issues with a life insurance provider, the representation of our Pennsylvania life insurance claim denial attorney will be helpful. If your claim was denied, we will thoroughly review your policy terms and all correspondences and communications with the insurance company to help determine if the denial was inappropriate. Additionally, we will negotiate with the insurance provider to work towards a solution in your favor.

    When claims are contested, the insurance company will have a team of lawyers working on their behalf. Our attorneys are prepared to fight for you and to take your case to court if negotiations fail to produce the result you desire.

    Call Our Pennsylvania Life Insurance Claim Denial Attorney for a Free Consultation

    If someone named you as a beneficiary in their life insurance policy, they wanted to provide you with a sum of money at the time of their death. While this may have been a significant economic boost or just the means to pay for their funeral costs, you are contractually entitled to that benefit. When insurance companies wrongfully deny or delay life insurance claims, you need the assistance of our Pennsylvania life insurance claim denial attorney. Our lawyers and staff understand the state and federal laws that control the insurance industry and have the resources to fight for your rights. Call the Reiff Law Firm at (215) 709-6940 to schedule a free, confidential consultation.

    5.0/5.0
    personal injury lawyer

    ...I want to say that the Reiff Law Firm changed my entire life with handling of my legal case.

    As a former client, I want to say that the Reiff Law Firm changed my entire life with handling of my legal case. I was in a very serious automobile accident with severe injuries to neck and back areas. I contacted the law firm and asked what to do with the medical bills and how do I get the correct representation against the individual who rear-ended my car. In short, the firm took complete control of the case contacting my insurance company and asking for all the medical bills and legal matters be sent directly to them. I was able to get treatment from my doctor without worrying about the legal stuff. Furthermore, two years later the case was settled for a substantial amount of money. My life was much better due to the firm handling of my case. My attorneys at Reiff Law Firm are absolutely the best and I have recommended to my family friends. Thanks Reiff Law Firm.

    5.0/5.0
    personal injury lawyer

    I’m very comfortable to say there’s no better in the city.

    Before meeting with Jeffrey Reiff and Bob Szostak from the Reiff law firm I’ve consulted with a few other injury attorneys in the Philadelphia region. Difference was, these guys know their stuff! I was absolutely blown away by how compassionate and welcome this law firm makes you feel. Once signed with them I never went a single week without staying in the loop with the progress and updates these guys have on your case. Working with them for some time turned what was an injury case, into a family! From calls and meetings, to just calling in to say “hi how’s everything going” I’ve never felt like a beat was skipped. I’d recommended the Reiff law firm 100%! I’m very comfortable to say there’s no better in the city. The awards they’ve earned over the years speaks for itself! I can never thank the Reiff law firm and Bob Szostak enough for everything they’ve done, their professionalism, compassion and all of their knowledge and experience! Highly rated! Best in the city! I look forward continuing our relationship in the future. Thanks again My Reiff family!

    5.0/5.0
    personal injury lawyer

    What started out as a time for me that included a lot of doubt, questions and hopelessness has turned into one of a hopeful future.

    I highly recommend the team at the Reiff Law Firm. Both Jeff and Robert were there to guide me through a very difficult time. What started out as a time for me that included a lot of doubt, questions and hopelessness has turned into one of a hopeful future. The team at the Reiff Law Firm made me feel at ease and I had no doubts trusting them with various concerns. They kept me informed every step of the way without making me feel overwhelmed or anxious. Don't hesitate to contact them for your legal needs - especially if you want a team that has the utmost concern and compassion for their clients.

    5.0/5.0
    personal injury lawyer

    ...without them I would have been lost.

    I can’t say enough great things about the Attorneys at the Reiff Law Firm. They made me feel at ease when I was going through a very difficult time in my life. Never being in a situation like this I was so unsure of where to start and how to go about the process. Justin gave me options where I thought I had none and explained everything in a way that I could understand. Justin and the team helped me arrange all of the treatment and therapy that I needed, without them I would have been lost. My attorney John went to bat for me like no one else could have, his knowledge and professionalism is unmatched. If anyone is ever in need of a team of attorneys the Reiff Law Firm is my ONLY recommendation.

    5.0/5.0
    personal injury lawyer

    THE REIFF FIRM IS AN OUTSTANDING LAW FIRM!

    I was referred to the Reiff Law Firm by a friend who had previously been a client of the firm. My friend told me that the Reiff Firm had done an incredible job handling his case and treated him like family. My friend's recommendation was spot on. I am going to miss them now that my case is over. Attorney Reiff and Attorney Toczydlowski are excellent attorneys. They really care. They got me an INCREDIBLE RESULT. Most importantly they were there for me during some extremely dark and difficult times in my life. I highly recommend the Reiff Law Firm to anyone seeking the very best legal representation for injuries they suffered in an accident.

    5.0/5.0
    personal injury lawyer

    ...what started as a small settlement ended $100, 000 more than expected.

    I greatly appreciate the care and compassion the Reiff Law Firm has given to my family at a very difficult time. They left no stone unturned in their investigation and what started as a small settlement ended $100, 000 more than expected. They did not give up and treated us like family.

    Verdicts & Settlements

    $13 Million

    Auto Defect/Product Liability

    Read More
    $8 Million

    Auto Defect/Product Liability

    Read More

    Our Offices

    1500 John F. Kennedy Blvd #501
    Philadelphia, PA 19102
    Get Directions

    Get a Free Case Review

    "*" indicates required fields

    Name
    This field is for validation purposes and should be left unchanged.