There’s A Better, Faster, Cheaper Way To Get Your Life Insurance Claim Paid
When life insurance companies don’t pay policy benefits due to issues like misrepresentation, a lapse in coverage, or incomplete documentation, you need an effective solution to avoid drawn-out lawsuits. At The Center for Life Insurance Disputes, we offer an alternative to costly legal battles, showing you that a life insurance lawyer in New York may not even be necessary to recover your denied life insurance claim.
Our life insurance specialists represent beneficiaries when the life insurance company denies or delays claim benefits. Instead of enduring a costly courtroom battle, we deal directly with the insurance company and its legal teams to resolve the dispute swiftly. Our experts thoroughly investigate claims, present a package to the insurer, and handle negotiations with the Claims and Legal departments—resulting in over $250 million of claim benefits recovered without legal fees.
Contact The Center for Life Insurance Disputes today and see how there’s a better, faster, and cheaper way to get life insurance claims paid than hiring a life insurance attorney in New York.
We’ve Recovered Over $250 Million For Our Clients
With over 30 years of experience in life insurance claims, The Center for Life Insurance Disputes has a proven track record of successfully recovering over $250 million in funds for clients wronged by life insurance companies. Specializing in cases like life insurance fraud, death benefit denials, and bad faith practices, we provide clients with legal options to resolve disputes without the need for a New York life insurance lawyer.
Our process is faster and more cost-effective than hiring life insurance attorneys in New York. We typically settle claims within months, ensuring full payouts without partial settlements while saving clients from costly legal battles.
Life Insurance Services We Offer To New York Residents
At The Center for Life Insurance Disputes, we provide various specialized life insurance services to residents of New York. From resolving life insurance denial cases to addressing fraud, our team ensures you receive the life insurance benefits you’re owed without the lengthy delays of legal action from life insurance lawyers in New York.
Denied Life Insurance Claims
When your life insurance claim is denied, it can feel overwhelming and unjust. We work directly with the insurance company, compiling evidence like medical records and policy details to challenge their decision. Our deep knowledge of New York life insurance law ensures we can effectively dispute a life insurance claim denial, avoiding costly legal battles with large insurance companies.
This approach to handling denied life insurance claims helps you secure your life insurance benefits faster than going through federal court.
Accidental Death Claims
Accidental death claims can be complicated due to disputes over life insurance policy coverage or the actual cause of death. Our team gathers all necessary documentation, including death certificates and medical records, to prove your rightful claim. We know the ins and outs of New York life insurance law and ensure that claims are processed quickly, without the need for expensive life insurance lawyers.
Life Insurance Complaint
When an insurance company wrongfully delays or denies your life insurance claim, filing a life insurance complaint can help resolve the issue. Our team works directly with the insurer to ensure they comply with New York life insurance laws, thoroughly reviewing the policy and the claim details.
This process ensures the insurance company addresses its legal and contractual obligations, helping you secure the life insurance benefits you’re entitled to without unnecessary delays or disputes.
Life Insurance Fraud
Life insurance fraud often arises when insurers deny claims based on false accusations, such as misrepresentation or undisclosed information. Our team thoroughly investigates these situations, gathering evidence to challenge the insurer’s actions and proving that the policyholder acted in good faith.
By exposing fraudulent practices, we help New York clients recover their life insurance benefits and ensure they are treated fairly by the insurance company.
Life Insurance Scams
Life insurance scams can range from fraudulent policies to deceptive agents who charge premiums without providing real coverage. For example, some beneficiaries may discover a policy they relied on was never activated or canceled without their knowledge.
Our team identifies these scams, and works directly with large insurance companies to recover lost funds to secure the life insurance benefits you’re owed. We protect New York clients from these damaging practices and ensure their life insurance policy and coverage are fully restored.
Why New York Trusts The Center for Life Insurance Disputes
New Yorkers trust The Center for Life Insurance Disputes due to our extensive experience in representing clients in resolving complex life insurance cases. We focus on getting claims paid quickly and offer expert help for denied claims and life insurance disputes, ensuring clients get the best possible outcome without lengthy legal battles.
No Fees Until We Win Your Case
At The Center for Life Insurance Disputes, we work on a contingency basis, meaning we don’t charge any fees unless we win your case. This no-cost consultation and payment structure ensures you receive full legal representation without upfront costs, giving you peace of mind.
Get Your Case Resolved In Just Months
Unlike traditional law firms that often take years to resolve disputes, we have a proven track record of settling cases within months. Our team streamlines the process by working directly with insurance companies, bypassing state courts to ensure fast results for life insurance cases.
Experienced Life Insurance Claims Help in New York
Our legal team brings decades of experience in handling life insurance claim disputes, long-term disability benefits, and contractual obligations. We understand New York insurance laws and navigate the ins and outs of claims to achieve successful outcomes for you. Whether you’re dealing with wrongfully delayed claims or denied benefits, our expertise guarantees the best possible support.
Why Your Life Insurance Claim May Have Been Denied in New York
Life insurance claims in New York can be denied for a variety of reasons, leaving beneficiaries without the compensation they’re owed. Understanding why a life insurance claim was denied is important for moving forward with an appeal. Below are some common reasons life insurance companies deny claims and how The Center for Life Insurance Disputes can help.
Misrepresentation or Fraud
Claims can be denied due to misrepresentation if the insurer believes the policyholder provided false or incomplete information, especially regarding medical conditions. Common examples include omitting a medical condition like diabetes or failing to disclose substance abuse issues. Our team knows how to gather the right medical documentation and present it to insurance companies to challenge these denials and get claims paid.
Contestability Period
During the two-year contestability period, life insurance companies can investigate the claim for inconsistencies in the application. They may deny claims if inaccuracies are found, even if they’re unrelated to the cause of death. Our experts understand how to navigate these denials using New York life insurance laws and presenting evidence to challenge the insurer’s decision, ensuring your claim is properly evaluated.
Lack of Proper Documentation
Insufficient or incorrect paperwork, such as missing death certificates or medical records, can lead to life insurance claim denials in New York. Insurance companies require comprehensive documentation, and any errors can delay or block payment. Our life insurance specialists know exactly what is needed and work directly with insurance companies to ensure your paperwork is complete and your claim moves forward without unnecessary delays.
Lapse in Coverage
Claims are often denied if there’s a lapse in premium payments, which can result in the policy being canceled. This leaves beneficiaries without coverage when they need it most. Our team investigates whether the insurance company followed proper procedures for notifying the policyholder and whether reinstatement options were available, giving beneficiaries a chance to recover the benefits.
Understanding Accidental Death Claims in New York State
Accidental death claims in New York can be difficult to process, especially when life insurance companies dispute the cause of death. These claims often involve specific policy exclusions, such as deaths caused by drug overdose, which insurers may classify as intentional. Our team investigates toxicology reports and medical evidence to prove that deaths were accidental, helping beneficiaries receive the compensation they are entitled to.
A well-known example is Heath Ledger’s case, where his accidental overdose was ruled a suicide by the insurance company to deny the $10 million claim. The insurer attempted to evade payment, but a dispute was filed, resulting in a negotiated settlement for his daughter. At The Center for Life Insurance Disputes, we specialize in overturning such wrongful denials, ensuring families receive the life insurance proceeds they deserve, even in complex or disputed cases.
Frequently Asked Questions About Death Claims in New York State
Do you need a New York Life Insurance Lawyer to handle your dispute?
It’s not necessary to hire a life insurance lawyer in New York to handle your dispute. At The Center for Life Insurance Disputes, we work directly with insurance companies to resolve life insurance denial cases quickly—often in just months—without the need for lengthy lawsuits. This approach saves time, money, and the stress of court while securing the life insurance proceeds you deserve.
What is the time limit for death claims in life insurance?
In New York, beneficiaries generally have up to two years to file a life insurance claim, but it’s advisable to file as soon as possible. If the life insurance company denies the claim, beneficiaries can appeal or file a lawsuit within three years, according to New York law. Our team ensures your claim is processed efficiently within these deadlines to avoid unnecessary delays or complications.
Can life insurance beneficiaries be contested?
Yes, life insurance beneficiaries can be contested in cases involving fraud, undue influence, or if the beneficiary designation conflicts with New York laws, such as community property in divorce situations. The Center for Life Insurance Disputes helps resolve these disputes by presenting the necessary documentation and proving the rightful beneficiary. We handle beneficiary disputes quickly without involving law firms or litigation.
How much do life insurance lawyers take from settlements in NY?
Life insurance lawyers in New York typically take 30-40% of settlements as their legal fees. At The Center for Life Insurance Disputes, we do not charge upfront fees or take a large percentage of your payout; instead, we focus on resolving claims without high legal costs, ensuring you receive the maximum life insurance coverage. This approach allows you to avoid a costly law firm while securing your rightful compensation.
Start Your Life Insurance Claim Today & Get Your Case Resolved
Choosing The Center for Life Insurance Disputes over a life insurance lawyer in New York means faster claim resolutions without the high legal fees. Our specialists work directly with insurance companies, ensuring you get the maximum payout without lengthy lawsuits or court battles. With over $250 million recovered for clients, our proven expertise makes us the better, more cost-effective choice for handling your life insurance claim.
Contact The Center for Life Insurance Disputes today for a free consultation and see why hiring a New York life insurance lawyer isn’t necessary to get the compensation you deserve.
Original Content:
Life Insurance Attorney New York
Life Insurance Attorney in New York to recover your denied life insurance claim.
We offer an effective solution to lengthy lawsuits when insurance companies won’t pay life insurance policy benefits.
A Life Insurance Attorney in New York may not even be needed to recover your denied life insurance claim. We offer an effective alternative to lengthy lawsuits when insurance companies won’t pay life insurance policy benefits.
The life insurance experts at The Center for Life Insurance Disputes represent beneficiaries in matters where life insurance companies have denied or delayed claim benefits. Rather than go through a lengthy and expensive courtroom battle we deal directly with the insurance company and its attorneys.
The experts at The Center do a full investigation of the claim, present a comprehensive claim package to the insurer, and deal directly with the Claims and Legal departments to get the claim paid. This intensive process has triggered over $100 million of claim benefits with NO legal fees.
Call Us Now for a Free Consultation: 1-888-428-4868
Do you need a New York Life Insurance Lawyer to handle your dispute?
It is not a requirement that a life insurance dispute be handled by a lawyer or result in a lawsuit.
We’re successful because we know the claims process and rather than create a hostile situation with the insurer by filing a lawsuit we work with the insurance company to resolve the claim and get it paid without a lawsuit — everyone wins.
In many cases a life insurance company may deny a claim due to misrepresentation of material information, such as inaccuracies or omission of information supplied by the applicant. The insurance company may also deny the claim by determining a different cause of death than that provided on the death certificate, one that the policy does not cover.
There are many reasons a life insurance claim may be denied but an insurer will always accept and consider new and relevant facts. Our experts know what those facts are and how to find them.
We go directly to the insurance company’s legal team thereby saving our clients a lot of money and frustration. Our experts know what information will get your denied claim paid. With the proper facts, applicable laws and documentation we can get the insurer to re-evaluate their denial and pay your claim. See About Us.
Experienced Life Insurance Claims Help in New York
The Center for Life Insurance Disputes offers two significant advantages for anyone looking for a life insurance lawyer in New York: no legal fees, and fast settlements.
Very few life insurance claims attorneys in New York have as much experience as the Center for Life Insurance Disputes when it comes to getting claims paid after they’ve been denied.
Our clients have been paid more than $100 million from denied life insurance claims because of our efforts in getting difficult claims paid. These clients are people whose life insurance claims were initially denied by their life insurance company.
Bloomberg and Reuters, among other major news sources, have reported on life insurance companies not paying on a policy.
In the article, “Accidental Death Becomes Suicide When Insurers Dodge Payouts”, Bloomberg reported, “life insurers have found myriad ways to delay and deny paying death benefits to families, civil court cases across the U.S.”.
In 2009, Reuters reported that after Heath Ledger’s death, the $10 million life insurance policy claim was denied. His death was ruled as an accidental overdose by the medical examiner; however, the insurance company determined it a suicide in order to evade payment to the beneficiary, his 3 year old daughter.
A dispute against the insurance company was filed and a settlement was negotiated.
While claim denials are common and you may want to consider hiring an attorney to fight your denied life insurance claim, you should also consider the time it takes for a lawsuit to conclude. A conservative average is 18 to 24 months. You don’t have to wait that long. We resolve our clients claims within 3 to 4 months.
The best lawyer is the one who understands even the smallest details about life insurance policies and bad faith. But even with a top rated life insurance lawyer in New York you aren’t guaranteed your lawsuit will be successful. Lawsuits can be expensive, stressful, and take years to conclude – sometimes settling for less than the policy benefits.
Talk to us first. The experts at The Center for Life Insurance Disputes fight for our client’s life insurance money when insurers refuse to pay claims.
A Caution About So-Called Life Insurance Legal Experts
There are many websites that appear to promote their expertise in getting life insurance claims paid. Most look like law firms, but in-fact are not. These are referral services that take your information and sell it to lawyers. Don’t be fooled by these bad actors. The Center for Life Insurance Disputes are real people with decades of life insurance experience working for beneficiaries.
Life Insurance Claims and Medical Conditions
The most common reason a life insurance claim gets denied is for a medical condition. The insurer will argue that the insured should have told them some sort of medical information and because he didn’t, they can deny the claim. We’re experts at getting this type of denied claim paid.
Rather than ask a judge or jury to decide if a claim should be paid, we employ experts in their respective fields of medicine, therapy, mental health, and such, to apply the proper standards to the evaluation of medical claim denials.
If the claim investigation calls for the input of a Policy specialist we incorporate those opinions into the investigative process.
Scarce numbers of Life Insurance Claims Attorneys in New York are experts at life insurance claims investigations.
By knowing the business and procedures of life insurance claims we don’t need to file lawsuits and charge huge fees. We get claims paid quickly and inexpensively.
There isn’t one reason for a claim denial that’s more common than any other. But, medical related claim denials are the most common category.
While it’s important that an applicant answer the life insurance applications honestly, this doesn’t mean they always know what is written in their medical records.
We’re especially skilful at evaluating life insurance claims based on medical reasons.
Read more about a few of the specific medical conditions we’ve addressed and claim denials that we’ve gotten reversed and paid for our clients.
- Diabetes
- Hypertension
- Depression
- Drunk Driving
- Drug Overdose
- Cancer
We can appeal your denied life insurance claim for any medical reason and/or step in as your representative while the claim is being investigated so it doesn’t get denied.
New York Life Insurance Claims for Employer Plans
New York employee life insurance claims can be denied easier than other types of claims because of the myriad of rules favoring employers. Employees of New York with life insurance are subject to Erisa regulations. This means Federal rules apply to claims, instead of state laws.
Your New York denied claim can only be appealed by following strict Federal rules. Knowing the rules and laws makes this easy for our clients. Over the years we’ve appealed and won many Erisa claims from insurance companies.
Getting denied life insurance claims paid when denied for Drug Overdose
We’re especially adept at investigating and appealing denied life insurance claims due to drug overdose. As the opiate epidemic continues to take innocent lives, there’s not much conversation about how many accidental death claims are denied for an opiate overdose.
Many accidental death life insurance policies have an exclusion for drug overdose. If the insurer concludes the person exceeded the recommended dosage of a prescribed opiate, they will deny the claim. Insurers hold the insured responsible for the amount of medication they ingest, even though many people are simply following the advice of their doctors.
We know how to investigate the toxicology reports and medical assessments to uncover the truth, and get accidental overdose claims paid.
For a free review and evaluation of your life insurance claim, call our office today. We’ll give you an honest evaluation of whether your claim will be paid and if an appeal will be successful.
About The Center for Life Insurance Disputes
The Center for Life Insurance Disputes has over 30 years of experience exclusively dealing with life insurance claims and complaints — and a proven track record of recovering money for our clients.
The company helps those who have suffered damages due to life insurance fraud, scams, denial of death benefits, or other types of bad faith practices by protecting the best interest of the clients.
The Center for Life Insurance Disputes gives the victims and insurance companies an opportunity to address issues without courtrooms and expensive lawyers. The life insurance complaint is resolved quickly and at a fraction of the cost of hiring a life insurance lawyer in New York.
While a lawsuit may take years to resolve, this process can settle claims for clients in a matter of just a few months.
Our client’s claims are paid quickly and always paid in-full – never partial settlements.
We start our process by evaluating your claim. If we determine that we can successfully represent you we will act quickly to get your claim paid. We carefully evaluate each claim because we only get paid after your claim is paid.
