LIFE INSURANCE LAWYERS FIGHTING FOR YOU
We are proud to share our new ad featuring information about how we help beneficiaries throughout the United States.
The terms of your policy could be life-altering for your loved ones.
Insurance is something of a mystery to many of us. What are the different kinds of coverage out there? How much coverage do you need?
This video gives a few good rules of thumb:
The short answer is yes.
A lawyer that specializes in life insurance claim denials can help you.
Insurance companies will often stretch the law as far as they can when looking for a way to not pay a claim. Enough people are unwilling to challenge them when they deny claims that it makes sense for them to deny claims in hopes that the beneficiary will simply go away.
Often, the involvement of an attorney on behalf of a beneficiary will send the message that the beneficiary is not going to simply lie down and allow himself or herself to be walked over. A letter or a phone call from a life insurance lawyer will often get the insurer to stand at attention and reconsider their original decision, especially when they have dealt with that firm in the past.
You can appeal a life insurance claim denial.
A lawyer at the Boonswang Law firm would be happy to discuss your case free of charge. We represent beneficiaries in all 50 states, and only collect when you do. With almost 20 years of experience litigating on behalf of life insurance policy beneficiaries, we are prepared to fight for your what you are owed.
Please fill out the contact form below and we will contact you shortly.
Comments or questions are welcome.
Boonswang Law Rated with Avvo’s Highest Score
We are proud to congratulate our founder, Chad G. Boonswang, for receiving a perfect rating by our clients in 2015. Mr. Boonswang’s rating is among the highest of lawyers whose practices focus on life insurance and accidental death and dismemberment claims, and we are very proud to have him lead us in representing our clients.
Life insurance is among those things that are purchased with the hope of never using it. Unfortunately, such a dream cannot be granted to everyone, and when such tragic event happens to fall upon a person, an investigation might be necessary with regards to creating a claim on the policy of life insurance and pursuing for life claims for the owed amount of money.
For Many Insurance Companies, It’s Business, Not Personal.
When you are a filing a life insurance claim, the most important thing that you should always realize is that your claim is simply a business cost to your insurance company. Very often, their entire business model revolves around collecting premiums and not paying out claims. When this happens, you need a life insurance lawyer.
You Don’t Have to Fight Alone
You might have already known that having to pursue the money that is actually being owed to you from your chosen life policy can really be an unpleasant one. At the Boonswang Law Firm, there are no costs involved with having us pursue your claim until you get your benefits. Do not put yourself through the terrible experience of being given the runaround when all that you want is to receive what is rightfully yours. After almost twenty years of experience fighting life insurance companies, we are very familiar with the vast majority of them, and deal with some on a regular basis. We know their tactics, we are familiar with their politics, and we are not afraid to go to trial. Contact us now, and let us fight for you.
Contact us now!
Comments or questions are welcome.
What is a claim for Accidental Death and Dismemberment Benefits?
Accidental Death and Dismemberment (AD&D) is an insurance policy that pays benefits if the cause of death is an accident. In the event of an accidental death, this insurance will pay benefits in addition to any life insurance but only up to a set amount, regardless of any other insurance held by the client. This is called double indemnity coverage and is often available even when accidental death insurance is merely an add-on to a regular life insurance plan. Some of the covered accidents under AD&D include traffic accidents, exposure, homicide, falls, heavy equipment accidents and drowning. Accidental deaths are the fifth leading cause of death in the US as well as in Canada.
Fractional amounts of the policy will be paid out if the covered employee loses a bodily appendage or sight because of an accident. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, toes, sight and permanent paralysis. The types of injuries covered and the amount paid vary by insurer and package, and the terms and conditions are explicitly laid out in the insurance policy.
Insurance companies tend to keep a list of events, factors or circumstances that would void the insured’s entitlement to his or her claim. Death by illness, suicide, non-commercial radiation, war injury, and natural causes are generally not covered by AD&D. Similarly, death while under the influence of any non-prescribed drugs or alcohol is most likely exempt from coverage. Overdose with toxic or poisonous substances and injury of an athlete during a professional sporting event may void the right to claim too. Some insurance carriers will tailor their clients’ coverage to include some of the above risks, but every such extension will be accompanied by increased premiums.
Due to these restrictions, the process of claiming the benefit may be relatively lengthy. The deceased client may have to undergo autopsy and the accident may have to be officially investigated before a claim is approved by the insurer.
In other cases, companies may deny the claim because of any of the following reasons:
- Denying the claim because the accident didn’t “directly cause” the death or dismemberment or because the death or dismemberment occurred too long after the accident
- Denying the claim because of unpaid premiums
- In the case of employer provided AD&D insurance, denying the claim because the employee hadn’t met the requirements for coverage (e.g., not employed for long enough or not working enough hours)
Types of Coverage
There are mainly four types of AD&D plans available in the United States as listed below:
- Group Life Supplement – The AD&D benefit is included as part of a group life insurance contract and the benefit amount is usually the same as that of the group life benefit.
- Voluntary – The AD&D is offered to members of a group as a separate, elective benefit, and premiums are generally paid as a payroll deduction.
- Travel Accident (Business Trip) – The AD&D benefit is provided through an employee benefit plan and provides supplemental accident protection to workers while they are traveling on company business (the entire premium is usually paid by the employer).
- Dependents – Some group AD&D plans also provide coverage for dependents.
Guest Post Author Bio:
Rome, Arata & Baxley L.L.C is a highly qualified and dedicated Houston Truck Accident Law firm that represents clients regarding truck accident issues.
This 2011 documentary tells the story of an independent 83 year-old woman who was involved in an accident. The months following the accident would be among the most trying of her life, requiring intense physical therapy, extensive medical care, and regular care from those around her.
She had wonderful insurance coverage, paid the premiums, but was denied when she filed her claim. This case does not specifically address life insurance, but depicts events that have happened to other policy holders.
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