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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

Contact our California Life Insurance Lawyer today. Call us at (877) 783-8686 or email us to schedule your FREE consultation.

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 areas, including:


Reasons Life Insurance Companies Deny Claims

There can be any number of reasons why an insurance company would deny a claim, but some of the common reasons include:

  • No beneficiary named on the policy
  • Death was ruled a suicide or caused by an illness that is not covered
  • Policy lapse due to non-payment
  • Divorce
  • Illegal or dangerous activities
  • Material misrepresentation

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

  • There are no words that can express the feelings of gratitude and relief I have that you helped us.

    “I wanted to thank you again for all of your help. My daughter would not be in treatment without your help. I can never thank you enough, there are no words that can express the feelings of gratitude and relief I have that you helped us, and I believe saved my little girl. Taking her back to Timberline Knolls was very difficult in many ways, I wish UBH could know the damage they have done to her by having her go in and out like this. When she went into Timberline Knolls the first time she was not happy to go exactly, no one wants to go into treatment, but she was open to going in and ready, for the first time, to really look at her issues and work hard to get better. When she had to leave Timberline she expressed that she wished she could have stayed because she felt like she was finally at a place where she was getting better and, though it was hard, she was really opening up and dealing with her issues for the first time, something she has had a hard time doing. I just wanted you to know that she was going down to a really bad place and without you I don't know what would have happened except that she would not be at Timberline Knolls right now getting better and I thought you should know this. With unending gratitude.”

    R.

  • Thank you for being lawyers with a heart.

    “Thank you for being lawyers with a heart.”

    Miriam T.

  • 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.

  • I won the appeal.

    “Hi Glenn- This is a very belated thank you for your generous assistance and advice last summer, when I was appealing UBH's decision for my son. I won the appeal, at least for care at the partial hospitalization level (they wouldn't budge on residential, but the facility was accepting the partial care reimbursement for residential treatment). But the appeal was a great moral victory, and I think it's a great thing to have in the record, just in case he needs to go for treatment again. Thanks again for your generous help, I was very grateful for it. Wishing you a most happy Thanksgiving.”

    Terry S.

  • You are the light in the darkness for all of us.

    “Lisa- You are the light in the darkness for all of us in the eating disorder community. I believe that you were born to take on these challenges.”

    Pam S.