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Was your life insurance claim denied?

Life Insurance Attorney in California

kantor & Kantor LLP Helps You Recover The Benefits You Deserve

Life Insurance companies often deny life insurance claims without justifiable reasons. We have experience in resolving life insurance claims under ERISA law. Did you know that if the policy has been in force for more than two years when the insured dies, the insurance company is obligated to pay the claim? However, in many cases, what may seem like a proper denial on the face of it is improper under the law.

Our client's benefit from:

  • Free Case Consultations Provided
  • 160+ Years' Collective Experience
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®
  • Honored With The Avvo Clients Choice Award In 2013

Insurance Claim Denial

It's not easy to avoid a denied claim, even when you're paying thousands a year to your insurance company. That's why it's important to read your policy in detail, understand the co-pays, premiums and deductibles involved, and obtain proper pre-authorization for services. But even when you're diligent about these things, your insurance company may turn down your claim. That's when you can turn to the insurance lawyer California residents have trusted for over two decades.

The team at Kantor & Kantor, LLP provides litigation and mediation services for a variety of arenas, including:

  • Disability insurance claims
  • Long-term care claims
  • Insurance bad faith cases
  • Insurance appellate cases
  • ERISA disputes

What is an Incontestability Clause?

Many States have provisions designed to offer some assurance that life insurance benefits will be paid, even if the insured may have made misstatements in the insurance application. The idea is to make sure that if an insurance company has any questions or problems, those matters are addressed while the insured is still living. It is not fair to allow an insurance company to collect premiums for years only to then conduct a more thorough investigation after death and decide not to pay the insurance beneficiaries. These types of provisions are usually called "incontestability clauses." Essentially, such clauses dictate that after a certain period of time, usually 2 years, an insurance company cannot contest a life insurance policy for ANY reason, even fraud.

In California, this rule is set forth in California Insurance Code, section 10113.5.

Life Insurance Cases

For example, we had a case where the insured died from an overdose of cocaine. He was insured under an accidental death policy issued by his employer. The insurance company found that the accident was not an accidental death under the law and denied the claim. After we completed the administrative review of the claim, we filed a lawsuit on behalf of the minor son of the person who died. The court found that in fact the cocaine overdose was an accident, and the insurance company paid the $500,000 life insurance benefit.

We have also had cases where the insurer denies that the deceased was entitled to "supplemental life insurance" offered through his or her employer. Often, such insurance can be a multiple of many times the ordinary life insurance offered through employment. Related to these types of claims, insurers often assert that the insured failed to complete the proper forms such as Evidence of Insurability or Statement of Good Health forms, or might even claim that the insured was not truthful in filling out the insurance application. We have seen, and helped people with all of these problems.

Sometimes insurers even pay life insurance proceeds to the wrong beneficiary. We have resolved many of these types of cases as well. These are just a few of the many examples of life insurance issues that come up.

Call for a free consultation if you have any questions about a life insurance claim.

Life insurance companies include: MetLife, Prudential, Hartford, New York Life, Lincoln National, John Hancock, Jackson National, Transamerica, Unum, Sun Life, Genworth, Transamerica Life, Mutual of Omaha or any other life insurance companies.

What Sets Us Apart?

  • Free Case Consultations Provided
  • 160+ Years' Collective Experience
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®

Client Testimonials

  • The light at the end of the tunnel was masked, but we found it!

    “I'm sending my heartfelt wishes to you and your team for a wonderful holiday. We celebrate Christmas this year with a lighter heart than past years - knowing how you made a difference for us and for so many others. The light at the end of the tunnel was masked, but we found it! And so, cheers to you and your incredible team. Have a wonderful and safe new year.”

    J.

  • I've already mentioned your firm to my family and friends and how wonderful you have been treating me.

    “I've already mentioned your firm to my family and friends and how wonderful you have been treating me. Hopefully I will not ever have the need to refer someone to you because that would mean they would be in a similar situation as myself. But, if that were to ever happen, I would absolutely refer them to your company.”

    Linda P.

  • You have restored my faith in the goodness of people!

    “Thank you Glenn for accepting my case. I had all but given up on finding an attorney that was willing to take this case, and although you may not remember, I enclosed a note to you when I sent my [ins. co.] file asking you to please help me. You did that sir, and I can't thank you enough. My thanks to you Corinne for pursuing my case with vigor. I don't know much about how these legal things are handled, but I could tell by your communications with me, making sure I was always informed, that you were on top of it all. Also, you were ALWAYS available to me to answer questions, and your compassion for me and my situation is so much appreciated. I have had limited exposure to the legal system and attorneys, but I have never been able to just call and talk to them, as I could with you. I always had to speak with someone in the office that couldn't really answer my questions. My sincerest thanks and best wishes for you both You have restored my faith in the goodness of people!”

    Dick H.

  • I am a life you have touched. May God bless you richly.

    “After suffering with constant pain for nearly seven months, losing the job I loved and then being denied my long term disability, I was extremely discouraged when I began looking for help. With a few phone calls from Mr. Kantor to my insurance company, my long term disability was reinstated . The financial burden was lifted and I have hope again. I am a life you have touched. May God bless you richly.”

    Susan H.

  • You've helped to remove a great burden from our lives. It's nice to know there are decent people still in the world.

    “Thank you for your kind efforts. You've helped to remove a great burden from our lives. It's nice to know there are decent people still in the world.”

    B.