Maryland Life Insurance Denial Attorney

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With the loss of a loved one, your life can be turned upside down. An early death is always tragic, even if it was expected after a long battle with cancer or a life-long health condition. When your family is grieving, the last thing you want to worry about is your financial stability, which is why so many families use life insurance policies in the first place. If the life insurance company refuses to pay your claim or makes it difficult to get the money you deserve from your deceased loved one’s benefits, you need a lawyer who can fight for you.

The Law Offices of Randolph Rice’s Maryland life insurance denial attorney fights for families and loved ones whose life insurance claims were denied. Call our law offices for help with your case. We can stand up to insurance companies and file lawsuits and appeals to get you the money you deserve. Call us today at (410) 694-7291 to set up a free legal consultation.

What Can I Do After a Maryland Life Insurance Company Denied My Claim?

Filing a life insurance claim is never easy, and many spouses and children file these claims with a heavy heart every day after the loss of a loved one. The last thing that they want to hear is that the claim has been denied because of technicalities or problems with the policy. If your life insurance claim was denied, there are a few steps you can take, and our Maryland life insurance denial attorneys can help.

Beneficiaries to a life insurance policy can often appeal the denial. This will mean contacting the insurance company and working through their processes to refute the reasons for denying the claim. If you can provide documentation and evidence to help overcome their reason for denial, the claim could be paid.

Your life insurance denial lawyer can also negotiate with the insurance company. Even if there were legitimate problems with the claim that mean it could be denied, we might be able to negotiate with the company and get the claim paid instead of resorting to a lawsuit or something more extreme to get the payout you deserve.

If those steps fail, we can take the insurance company to court for you. A claim of bad faith insurance can often get the claim paid and denials reversed if the insurance company was using false grounds to deny your claim.

Legal and Illegal Grounds for Insurance Denials in Maryland

A life insurance policy is a contract between the insured policyholder and the insurance company that says that when the policyholder dies, the insurance company will pay benefits to the listed beneficiary or beneficiaries. Under these contracts, the insurance customer (the “insured”) agrees to pay monthly premiums, and the insurance company agrees to pay out the listed benefits upon the insured’s death. What this means is that insurance companies make money when insureds pay them, and they lose money when they have to pay out benefits, so they often do everything in their power to deny payment. However, many of these grounds for denials are illegal or illegitimate, and our Maryland life insurance denial lawyers can help you overcome the denial.

Self-Inflicted Injuries

Some policies deny payment if the victim died because of injuries they ultimately caused. This can include injuries from suicide or injuries from the deceased’s own negligence (e.g., a car accident that they caused). If there is no evidence to suggest that your loved one died this way, then you might need to prove to the insurance company that they are wrong and that there were other complications or that someone else’s fault caused the death.

Insurance companies could also deny claims if the policyholder used illegal drugs or participated in other activities that they consider harmful. Again, facts and evidence could overcome any false or illegitimate accusations of self-harm.

Non-Payment

Insurance companies will also refuse to pay if they believe there was a gap in insurance payments or other problems with the payments (e.g., a check that did not clear) that might constitute a breach of the terms of the policy. If you have records that payments were made on time, they can help you refute these claims. There could also be other complications or misunderstandings with records that insurance companies bank on to get a chance to deny claims. If they deny claims in bad faith, our life insurance denial attorneys can fight them in court.

Fraud or Misrepresentation

Insurance companies use a lot of factors to calculate premium amounts and to determine whether it is “worth it” to insure someone. For older insurance customers or customers with health problems, premiums are often higher because the company is likely to make less from premium payments than they will pay out in benefits.

If the policyholder dies and the insurance company finds out that they had a condition that would have resulted in higher premiums or they otherwise think that the insurance customer was “holding out on them,” they might deny payment. Many of these excuses are pretextual and are not based on any actual facts or real problems, and insurance companies cannot be allowed to deny policies on made-up fraud accusations. Even discrepancies such as listing the wrong weight or age for the insured could result in denied claims in some cases.

Bad Faith

As mentioned, “bad faith” is a problem with insurance payments in many cases. Insurance companies have a duty of good faith, which means that they must make an honest effort to pay claims when they fall within the terms of their insurance policy. If there was a violation of the terms, they have legal grounds to deny a claim – but if they make up excuses or false grounds to deny a claim, they could be operating in bad faith. Lawsuits for bad faith insurance can often help denied claims get reversed and get the beneficiary additional payments for damages.

Call Our Maryland Lawyer for Denied Life Insurance Claims

If your loved one passed away and you are having trouble getting the life insurance claim paid, call our Maryland life insurance denial attorney today. The Law Offices of Randolph Rice represents families of the deceased and fights to get them the life insurance benefits they are owed, even if it means taking large insurance companies to court. For a free legal consultation with our Maryland personal injury attorneys, call today at (410) 694-7291.

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“Randolph is an amazing attorney. He is very patient and understanding and straightforward to work with. Anytime I have a legal question or potential issue, I know I can contact him to get honest advice and excellent representation if/when needed. Thank you Randolph. I wish you continued success, health and happiness.”

- Michael K.