Life Insurance Claims Help
Do you need life insurance claims help? Getting a life insurance claim filed properly and getting through a claim examination can be difficult. There are forms that have to be completed correctly, documents that have to be given to the insurer and, with some claims, an intense investigation before the claim is approved and paid. Life insurance companies don’t provide guidance or claim help. They have their employees act for the company’s best interests and often leave claimants guessing about what’s happening and why their claim isn’t being paid. For all of these reasons and more we offer life insurance claims help.
Life insurance claims can be very complicated and most people assume the insurer will be fair and want to pay the claim. In truth, insurers don’t want to pay claims. We see many life insurance claims that get stalled for reasons like death certificates and medical records releases. We also see many that are denied for reasons like wrong answers on an application.
Having a claim expert working for you will avoid the traps, delays and any mistreatment when trying to collect a life insurance claim.
Because most people have no experience recovering a life insurance claim, communication is very important to understanding what needs to be done to get a claim approved and paid. Unfortunately, one of the most frustrating things claimants encounter is a complete lack of transparent communication from the insurance company about the status of their claim and why it’s not being paid.
We Can Help You
We file new life insurance claims with a complete package of all the documents the insurance company will be asking for — not just the claim forms. If medical records are needed we’ll get them ourselves and have our own doctors review them to address any red flags that could stall a claim from being paid. If special circumstances arise we work through them with the claim examiner (speaking the same claim language) and resolve it quickly. Where there are exceptions that can be made, we exercise them. When we handle a claim it gets paid quickly.
We also fight denied life insurance claims. Most claims that get denied fall in the category of contestable. This is a contract term that means the claim examiner can go back and look at all the medical history and legal history of the insured. They compare the history against the answers that were given on the policy application. If the examiner finds even a single mistake they can deny the claim. These examinations are extensive. We fight and win denied claims better than any firm.
Our results: more than $250 MILLION recovered.
What we offer for life insurance claims help is knowledge, experience, and aggressive action. We put the pressure on the insurer and force them to evaluate a claim in a way that favors our client. We don’t have to guess at what they’re doing because we do much of the claim examination work and present it to them. We don’t sit and wait for them to make a bad claim decision. We walk them into approvals.
No one else offers this level of expertise for life insurance claims.
After 30 years of offering the very best life insurance claims help in the US, we’ve encountered almost all imaginable claim disputes, including:
- Denied death claims.
- Delayed death claims.
- Beneficiary disputes.
- Divorce disputes over the claim money.
- Claims being denied because the policy lapsed but no one informed the policy owner.
- Claims not being paid because medical records aren’t available.
- Claims not paid when the death was in a foreign country.
We’ve recovered more than $250 MILLION for our clients and we can help you too.
The Center for Life Insurance Disputes
What To Do Next for Life Insurance Claims Help
Having your own representative who knows the claims process will help your claim get paid.
Contact Us Now: 888-428-4868 – Free Consultation
We are nationally recognized experts in recovering life insurance claims. Whether it’s a new claim that needs to be filed, a problem with a pending claim or a denied life insurance claim that needs to be appealed, our expertise and success are the best representation you can get for life insurance claims help.
- Low 10% fee.
- No money up front.
- Only pay if we win your claim.
- We serve all US cities.
- Free consultations.
Has Your Life Insurance Claim Been Denied or Delayed?
Life insurance companies do not want to pay claims. If your claim is under a contestability review the insurance investigator is looking for reasons to deny your claim, not reasons to pay it. They’re working for their best interest not yours.
We’re Here to Help
If the policy is less than 2 years old, or if the policy was reinstated within 2 years, the death claim will be investigated for fraud and material misrepresentation. This is an automatic event that every claim goes through. The Center for Life Insurance Disputes are nationally recognized experts at getting contestable life insurance claims paid.
We know the underwriting process and the claims process. Because the insurer is looking back at the issuance of the policy, both underwriting and claims knowledge are essential to get a claim paid.
Many beneficiaries of life insurance claims don’t know that they should have their own claim representative working for them to get the claim approved and paid. Because the insurer is looking for reasons to deny a claim, a claimant needs someone who will fight for them and get their claim approved.
The Center for Life Insurance Disputes represents beneficiaries of life insurance claims. We secure claim payments for our clients, even after denials. No money down. Free consultations.
We Get Life Insurance Claims Paid Fast
We understand all the details of the life insurance claims process and the things that cause claims to be denied. In addition to the possibility of a denial there is almost always the lengthy process of the investigation when the insurer tells you nothing. We’ve seen some of these investigations go on for over a year.
Medical records usually cause the longest delays. When we take over a claim, instead of waiting for the insurer we get the records ourselves. Then we assign a medical expert to review the records and form opinions about why the person’s medical history should not effect the claim.
Another item that delays claims are autopsy reports. We’ve found these to be very damaging to otherwise payable claims. We address the findings of the medical examiner and whether their findings are comprehensive and based on a long history of health information or just a small snapshot of information that can cause a claim to be denied.
Life Insurance Death Claims Process
A claim examination may require additional documents and reports before completion. These can include police and sheriff reports, accident reports, criminal convictions, driving records, psychology records, and so on. The insurer may request information during their investigation that they have no right to demand. If we discover this we’ll shut-down those efforts.
After all relevant information has been gathered and reviewed we write formal claim opinions. We take all of the information we’ve gathered and we write a formal Report describing why the claim should be paid based on the analysis we’ve conducted. We rely on specific evidence, underwriting guides for life insurance, and the conclusions our team identifies that support payment of the claim.
Our opinions carry a lot of weight in the life insurance industry. Stephen C. Burgess has been approved by many US Courts to offer his opinions for life insurance claims and disputes. His testimonial history, claims and underwriting experience, and industry knowledge make his opinions about claims more qualified and respected to both insurance and legal professionals than nearly anyone.
Our medical and forensic experts, likewise, have impeccable credentials and understand the marriage between their field of expertise and the life insurance claim at issue.
How Long Does an Insurer Have to Pay a Claim?
Life Insurance Claim Delays
A common question asked is, “how long does an insurer have to pay a claim?” The answer is usually 30 days. But in a life insurance claim investigation an insurer can obtain records before it makes a claim decision and this causes delays. Sometimes this causes delays that last for months.
Claim delays are typically due to the time it takes an insurer to locate missing medical, legal, or financial records. We use our own HIPPA form and expedite this process by collecting all the records needed to complete a claim evaluation.
When we submit our comprehensive claim file, the insurer gets everything needed to pay your claim quickly and in full. We’ll follow through to make sure they do.
Life Insurance Claims Denied
When a life insurance claim is denied the insurer will send a letter stating their reasons for the denial. Undisclosed medical information is the most common reason for claim denials. The term is medical misrepresentation.
This brings up many issues like; Did the insured know of the medical condition? Did the doctor tell the insured? When did the insured receive the diagnosis? Are the facts of the medical condition justification to deny the claim?
We dig into all of it.
Claim denials are usually due to incomplete facts and missing information. We are the most experienced firm doing claim representation for beneficiaries. After we’ve done all of our investigation we’ll uncover facts that go well beyond what the insurer’s investigator has done. This approach helps us uncover new evidence overlooked during the claim denial.
We often present claim files to insurers that may be more complete than their own files. This attention to detail is how we’ve been able to get more than $250 million paid out to our clients.
Has Your Life Insurance Claim Already Been Denied?
The Center for Life Insurance Disputes offers no-money-down representation for life insurance claim denials.
We Save You Time and Money
We are the premier life insurance claims resolution firm in the United States. The Center for Life Insurance Disputes quickly secures full claim payments without costly attorneys or lengthy court battles.
Our 10% fee saves you money, and our expertise gets your claim paid faster than a lawsuit.
Do I Need a Life Insurance Attorney?
You don’t need a life insurance attorney to settle your denied or delayed life insurance claim.
The typical life insurance lawsuit will cost a 33% fee and take 18 – 36 months to settle. Nearly all end-up settling rather than going before a jury. Most life insurance claims settle for an average settlement of only 50% of the policy amount.
Most important to consider though is that when your life insurance claim is denied you have other options. The work we do is direct with the insurer, not in a lawsuit. Our clients receive full claim payments, with resolutions in just months.
What To Do Now?
If your life insurance claim is denied or delayed, contact us by phone or email for representation.
Read:
This article explains the best way to act on a denied life insurance claim.
Life Insurance Claim Investigation
This article is a question-and-answer with Stephen Burgess about what happens when a life insurance company does a death claim examination.
Number One Reason for a Denied Life Insurance Claim
This page explains the most common reason for denied life insurance claims.
