Accidental Death & Dismemberment claims are always a challenge to get approved because of the Conditions and Exclusions written into the policy. But if you have a claim to file, we’re the people who can get it approved. We represent people who want Securian accidental death claim help. We prepare claims in the same manner insurance companies use to investigate claims. Using their criteria for approval we gather the evidence your claim needs, demonstrate why exclusions don’t apply to the specific accident, work through the examination process with the Claim Examiner and secure the approval.
Common Reasons Securian Denies Life Insurance Claims
- Misstatement on an application
- Policy exclusions
- Cause of death is not covered
- Policy lapsed before the death
- Suicide exclusion
- Missed premiums
- Policy lapsed while on disability
No other firm will file a claim for you. Most lawyers will tell you, ‘Come back after it’s been denied’. They just want to litigate. Not us. We take an active role right from the start so mistakes are avoided, challenges can be resolved without a claim denial, and you get your money quickly.
If you want to appeal a claim that’s been denied, we’ll use the same detailed and aggressive approach to uncover the facts that get the insurer to change their decision and pay your claim.
Make no mistake, getting Securian to pay an accidental death claim isn’t easy.
From their point of view, they lose when they have to pay. Especially on an accidental death claim. This type of insurance only makes them money if they receive premiums without having to pay a claim. So, accidental death policies have a lot of exclusions and conditions all designed by them to get out of paying claims.
Accidental Death Claim Exclusions
Every AD&D policy has a list of Exclusions. These are reasons the insurer doesn’t have to pay a claim, even if the person died by an accident. They include things like medical conditions, suicide, intoxication and substance use.
Just one common example is the Intoxication exclusion. It’s in every accidental death policy. It says that if the insured had a blood alcohol level over the legal limit when they died the insurer doesn’t have to pay the claim. This covers a lot of accidental deaths. And, it even applies to deaths where alcohol had nothing to do with the death. Like, if a death happened when someone was standing on a corner and they got run over by a runaway bus, the policy doesn’t pay.
The further you dig into the fine print of a policy the more the exclusions and conditions pile up and the difficulty of getting a claim paid becomes evident. That’s why having your own expert – advocate – claim representative acting on your behalf to get your claim approved is the best choice. It’s not a question of trusting the insurance company or understanding contract language. It’s having someone aligned with your goal of getting your money, who knows how the claims process works and what an insurer needs so they’ll give approval.
We fight these fights every day. Call us to arrange a free claim consultation.
Only a Covered Accident Qualifies for a Claim Benefit Payment
Another policy feature that should encourage you to seek Securian accidental death insurance claim help is the condition of a Covered Accident. Contrary to many misunderstandings, it’s not just any accident that will pay a claim benefit. In fact, the accident has to meet a certain definition before being eligible for payment consideration.
A Covered Accident at Securian is an accident that was ‘unintended, unforeseen and evidenced by a visible bodily wound’. Imagine! If someone breaks every bone in their body, but nothing breaks the skin, the claim can be denied.
Knowing the conditions of the policy and how to navigate around them so the claim is approved is critical. We fight these fights every day. Get in touch with us before you file your Securian accidental death claim.
Employer Provided Accidental Death & Dismemberment Insurance Plans
One of the most common ways people buy accidental death and dismemberment insurance is through their employer. And Securian is a big provider for these groups. The coverage usually provides an amount equal to 1 year of salary which is paid by the employer. In addition, employees can buy more supplemental coverage with their own earnings.
Some of the large employers offering accidental death and dismemberment insurance from Securian Financial:
State of Colorado , University of Rochester , United Cleanup Oak Ridge LLC , State of Maryland
Report an Accidental Death & Dismemberment Claim to Securian Financial
Securian offers its AD&D insurance through two avenues: individual policies and group policies.
When submitting an individual claim you’ll need the name of the insured, policy number, date of birth and date of accident.
When submitting a group claim you’ll need the name of the employer, name of the insured, date of birth and date of accident.
Securian Financial Claims phone number – 888-658-0193
Help for Your Securian Accidental Death Insurance Claim
If you encounter problems with Securian such as: they won’t pay your claim, they want records you can’t get, or nothing seems to be happening with your claim, get in touch with us. The Center for Life Insurance Disputes. We’ve recovered more than $250,000,000 from some of the toughest AD&D claims in the US.
Also see:
Leave a Reply