Facing a denied life insurance claim can be an overwhelming and frustrating experience, especially during an already difficult time. After losing a loved one, the last thing you should have to worry about is battling an insurance company to secure the benefits your family relies on. At Roberts Disability Law, P.C., we understand the emotional toll and confusion a denied claim can bring, and we’re here to provide the compassionate support you need to fight for the benefits you deserve.

Why Are Life Insurance Claims Denied?

Insurance companies sometimes deny claims for several reasons, often making the process feel unfair or overly complicated. A denial notice may come as a surprise, leaving beneficiaries confused about what went wrong. Claims are often rejected based on technicalities or disputes over policy details. Some common reasons include:

• Alleged Misrepresentation on the Application

Insurance companies may claim that the policyholder provided inaccurate or incomplete information about their medical history or lifestyle, leading to a denial.

• Policy Lapses

Claims are often denied if the insurer argues that the policyholder failed to pay premiums on time, even in cases where extenuating circumstances existed.

• Contestability Period

If the insured passed away within a designated contestability period, insurers may investigate the claim more closely and use minor discrepancies to reject it.

• Policy Exclusions

Many policies have exclusions for certain causes of death, such as suicide within a specific timeframe or deaths related to illegal activities.

• Employer-Based Plan Issues

For employer-provided life insurance governed by laws like ERISA, disputes may arise regarding eligibility or certain policy provisions.

Although these reasons can be discouraging, they do not mean the denial is final. Many denied claims can be successfully challenged with the right legal approach and representation.

How Roberts Disability Law, P.C. Can Help

At Roberts Disability Law, P.C., we are skilled in handling complex life insurance claim denials, particularly those stemming from employer-provided ERISA policies. Our experienced attorneys, led by Michelle Roberts, are dedicated to helping beneficiaries in San Mateo turn “no” into “yes,” using a meticulous and strategic approach to appeal unjust denials. Here’s how we can assist you:

1. Thorough Case Evaluation

We’ll carefully review your policy, the denial letter, and all related documents to find potential inaccuracies or misapplications of the law.

2. Customized Appeals

Every case is unique. We craft appeal strategies tailored to your situation, whether disputing a contestability investigation or proving vital policy compliance.

3. Effective Communication with Insurers

Insurance companies are less likely to dismiss claims when faced with skilled legal representation. We handle all communications to ensure your case is taken seriously.

4. Proven Negotiation and Litigation Skills

Whether through negotiation or court litigation, we are prepared to fight aggressively to secure the benefits you are rightfully owed.

Trust an Advocate Who Cares

Michelle Roberts and her team take pride in being fierce advocates for individuals facing challenging legal battles. Our experience spans over two decades, with a focus on ensuring clients feel supported every step of the way. We are deeply committed to helping San Mateo residents make sense of their denial and move toward resolution with confidence and peace of mind.

Take the First Step Today

If your life insurance claim has been denied, don’t face this fight alone. Roberts Disability Law, P.C. is here to guide you through the appeals process with professionalism and empathy. Contact us today for a consultation and take the first step toward reclaiming the benefits you and your family deserve.