Life Insurance Attorney In New Jersey And New York
Adding the burden of wrongfully denied life insurance proceeds to the grief of a death can overwhelm a surviving beneficiary. But, you must stand up and fight the insurance companies for payment of death benefits bought and paid for by the deceased under a life insurance policy. And with an experienced life insurance attorney, you can do so with confidence. A New Jersey or New York life insurance lawyer at Uscher, Quiat, Uscher & Russo, P.C., can help you with a life insurance claim denial.
Experienced Advocacy For You At A Most Vulnerable Time
Our attorneys have been litigating denied life insurance claims for more than 40 years. We know the insurance carriers and how they operate from hard in the trenches experience.
So, if you lose a loved one, rest assured that our life insurance attorneys will fight to get full and timely policy benefits for you. Moreover, we will do so in a compassionate, “client-oriented” way.
Denial Of Life Insurance Claims
With major dollars on the line in a life insurance claim, insurance companies frequently rely on the “wimp” factor. They look for any justifications, no matter how dubious, to deny death benefits to beneficiaries and wait to see if wrongful denials are challenged, because often they are not. For example, they may look at the cause of death. Our Uscher, Quiat, Uscher & Russo, P.C., life insurance attorney represented the family of a person who had high altitude pulmonary edema “HAPE,” a rare medical condition. This person died of a seizure aboard a commercial carrier. The policy language covered only death by “natural causes.“ The insurer claimed the cause was “accidental death” brought on by high altitude. After research by Uscher, Quiat, Uscher & Russo, P.C.’s legal team found that this precise issue had been decided against an insurance carrier in a similar case in California, the insurer paid our client’s claim.
The bottom line is DON’T TAKE “NO” FOR AN ANSWER. Push back!
Incontestability
An insurance company may deny life insurance claims because of omitted facts or misstated information on an insurance application. Uscher, Quiat, Uscher & Russo, P.C., argues incontestability if the information was provided in good faith and the carrier continued to collect premiums for years without addressing the errors. The insurers must prove intentional fraud by clear and convincing evidence in order to cancel coverage.
Preexisting Conditions
When faced with paying out on a life policy, many insurance companies deny benefits because they say that the deceased concealed a medical condition when applying for the policy to qualify for coverage. Uscher, Quiat, Uscher & Russo, P.C., has won policy payouts with the counter-argument of post-claim underwriting: that is, that the insurance carrier was happy to take the deceased’s premiums without checking available data and only scrutinized medical information after a claim was filed.
Responsive Legal Representation
Insurance companies have very little sympathy for policy beneficiaries. This is coupled with a strong inclination to deny claims if they can come up with a plausible-sounding excuse to do so. And you can be sure they are very good at finding such excuses. But don’t take “no” for an answer. Some benefit denials are wrong and must be challenged.
Uscher, Quiat, Uscher & Russo, P.C., cares for people. Our life insurance attorneys fight hard to secure the life insurance benefits clients desperately need. If a claim has been denied, we will carefully examine the reasons offered by an insurance carrier, and push back aggressively when those reasons just don’t add up.
Dealing With A Claim Denial? We Can Help.
Uscher, Quiat, Uscher & Russo, P.C., attorneys promptly return phone calls; moreover, we will take the time to examine your policy and explain your rights. Contact our insurance attorneys for a no-cost, experienced examination of your policy language and the merits of your case. Call 201-781-5645 or send an email today.