If Your Life Insurance Claim is Denied, What are Your Options?

If a loved one passes away and the life insurance company denies your claim for death benefits, a California life insurance claims attorney at the McKennon Law Group can explain your legal rights and your options for reversing the denial and acquiring the benefits that should be yours.

When a life insurance claim is denied, you shouldn’t simply accept the insurance company’s decision. Many families need the death benefits to pay their loved one’s final medical bills and funeral expenses. If a life insurance company rejects your claim, you have the right to consult an attorney, and in many cases, to take legal action.

We Know How To Resolve Life Insurance Disputes

Obviously, life insurance companies prefer to pay out as little as possible, and it can be quite difficult for the average person to fight back, but the legal help you may need is only a phone call away.

The McKennon Law Group has more than seventy years of experience representing California consumers against insurance companies. We know the insurance industry, we know the law, and we know how to resolve the most complicated life insurance claims and disputes.

What Steps Should You Take If Your Claim Is Rejected?

After a loved one’s death, if a life insurance company denies your claim for death benefits, you may receive a denial letter that gives only vague reasons – or no reason at all – for the company’s decision. Contact the company and demand the specific reasons why your claim was denied. Ask the company to put it in writing for you.

Your next step is contacting the McKennon Law Group. An attorney will explain your rights, review the policy, review your claim, and determine the best way to challenge the insurance company’s decision.

Many cases that involve rejected life insurance claims can be resolved quickly when your attorney simply brings together the right records, the right case law, and the right arguments in a letter to the insurance company. Your attorney’s letter also lets the company know that you are serious about pursuing your life insurance claim.

Can Life Insurance Disputes Be Resolved Out-of-Court?

Some life insurance companies let you file an administrative appeal before you take the company to court. It’s almost always in the interests of both sides to resolve the dispute privately if possible and to avoid the time and cost of going to court.

You may need to provide medical records, the autopsy report, or receipts for insurance payments in support of your appeal. To prevail with an administrative appeal, your California life insurance attorney must offer a persuasive line of reasoning that is based on facts and consistent with the law.

How to Contact the McKennon Law Group

At the McKennon Law Group, for more than seven decades, we’ve handled life insurance claims, appeals, and lawsuits for families and consumers throughout California and across the United States. We bring that experience to every case, and we will bring your life insurance claim dispute to its best possible outcome.

To learn more, or to schedule a no-cost consultation with a California life insurance attorney, call our law offices now at (800) 682-4137, or complete the contact form on this website. The offices of the McKennon Law Group are conveniently located in San Diego, Los Angeles, San Francisco, and Newport Beach.