When you pay your insurance premiums, it is with the expectation that your insurer will step in when you need them the most. But what happens when they do not? A denied claim can feel like a gut punch, leaving you frustrated, stressed, and unsure of what to do next.
At Kantor & Kantor, we have seen this scenario play out time and time again. We know how overwhelming it can be when insurance companies prioritize profits over people. But you do not have to fight this battle alone. Our dedicated Orange County life insurance lawyers are here to make sure your rights are protected and that you get the benefits you are owed.
We are seasoned California insurance lawyers, and we have helped countless individuals and families through the complicated world of insurance disputes. You should not have to face insurance giants by yourself—that is where we come in, offering personalized attention, relentless advocacy, and the legal support you need to get the outcome you deserve.
We Are Here to Help You
Reach out to us today at 818-886-2525 for a free consultation. We pride ourselves on being people helping people, and we are ready to help you.
Steps to Take if Your Life Insurance Claim Is Denied
Receiving a denial letter from your insurance company can feel like the ground has been pulled out from under you, especially when you are relying on those benefits. Do not worry—a denial is not the final word. There are steps you can take to fight back, and we are here to guide you through them.
- Stay Calm and Review the Denial Letter
It is natural to feel overwhelmed, but the first step is to take a breath and carefully read the denial letter. Insurance companies are required to give a reason for denying a claim, and understanding that reason is key to moving forward. - Gather Your Documentation
Start pulling together everything related to your claim. This includes your insurance policy, medical records, correspondence with the insurance company, and other paperwork supporting your claim. - Request Your Claim File
Ask the insurance company for your “claim file,” which is essentially all the records they used to make their decision. You have the right to access this, and it will provide valuable insight into why they denied your claim. - File an Appeal
If you believe the denial was a mistake, the next step is to file an appeal. Make sure to submit the appeal before the deadline stated in the denial letter. When you do, clearly explain why the denial was incorrect and include all the supporting documentation you have gathered.
Remember, you do not have to handle this alone. Our team of experienced life insurance lawyers can help you navigate this process, making sure your appeal is as strong as possible.
Why Do Life Insurance Claims Get Denied?
Sometimes you might think you have done everything right, yet your claim is still denied. Here is why this might happen:
- Missing Information: One of the most common reasons for denial is missing information. Insurance companies require specific documents and details to process a claim. If you leave something out, even by mistake, your claim might get denied.
- Policy Exclusions: Every insurance policy has exclusions – specific conditions or situations that are not covered. If your claim falls into one of these exclusions, it can be denied.
- Misrepresentation or Non-Disclosure: If the insurance company believes you have provided false information or misrepresented facts, they can deny your claim. This is why it is essential to be accurate and thorough in all your communications.
- Policy Lapse or Non-Payment of Premiums: The insurer may allege that the policy lapsed due to non-payment of premiums or that the policy was no in force at the time of death and thus there was no coverage.
Why Choose Kantor & Kantor?
At Kantor & Kantor, we don’t just bring years of legal experience to the table—we bring a deep understanding of what you are going through. Our team brings decades of experience in handling a wide range of insurance claims. Whether it is health insurance, long-term disability, life insurance, or long-term care, we have dealt with it all. What makes us different? It is not just our expertise, but our approach. We see you as more than just another case number. We understand that you are going through a difficult time, and we are here to support you every step of the way. From listening to your story to aggressively advocating on your behalf, we make sure that you get the attention and results you deserve.
Insurance companies often rely on the hope that you will give up after a denial or delay. At Kantor & Kantor, giving up is not an option. We fight hard for our clients, whether that means negotiating a fair settlement or going to court if necessary. No matter how tough the road gets, we will see your case through to the end.
Our track record of success speaks for itself. We have helped countless clients successfully challenge insurance denials. Whether your case is straightforward or highly complex, we have the knowledge and skills to get the best possible outcome for you.
How Kantor & Kantor Can Help
When you come to us, we handle the heavy lifting so you can focus on what matters most -getting your life back on track. Here is how we do it:
Personalized Case Evaluation
We start by listening — really listening. Every detail of your situation matters, and we use that information to tailor our strategy to your unique case. We will walk you through each step of the process, ensuring that you are informed and involved along the way.
In-Depth Policy Analysis
Insurance policies are notoriously complex and deciphering them can be difficult. Our attorneys excel in translating insurance language into clear, actionable plans so you understand exactly what is covered, what is excluded, and what your next steps should be. Aggressive Advocacy
When it is time to face the insurance companies, we are tenacious. We will not be pushed around by big insurance firms, and we will stand up for your rights with unwavering determination. Our goal is to ensure that the insurance companies fulfil their obligations to you, and we are prepared to fight tirelessly to make sure they do so.
Results-Focused Strategy
At the end of the day, it is all about getting the right result. Our track record speaks for itself, and we pride ourselves on making a real difference in the lives of our clients.
Contact Our Orange County Life Insurance Lawyers Today
Insurance companies may have the resources to drag out your claim, but with the right legal support, you can level the playing field and fight back to win.
We have seen how a denied life insurance claim can disrupt and upend lives, leaving individuals and families in limbo, and we are here to help you move forward. With our passionate and dedicated team by your side, you will have advocates who truly care about your case and the outcome.
When you are ready, we are here to listen. We will stand with you — guiding you through each step of the process. Reach out today to begin reclaiming the benefits and peace of mind you deserve. We are here for you, and we look forward to helping you move forward.
Contact our Orange County life insurance lawyers at 818-886-2525 for a free consultation.
Attorney Glenn R. Kantor
Glenn Kantor is a founding partner of Kantor & Kantor LLP. As a young attorney, Glenn saw the injustice of wrongful insurance denials and created a law firm to represent individuals seeking to obtain their rightful benefits. Glenn is committed to ensure that clients receive the benefits they are entitled to under their insurance policies or group health plans. [Attorney Bio]
