Facing the denial of a life insurance claim is a deeply frustrating and emotional experience. For many families, these policies provide more than financial security—they serve as a critical safety net during one of life’s most difficult times. When a claim is denied, the implications can be devastating, both emotionally and financially. At Roberts Disability Law, P.C., we understand the profound stress this can cause, and we are here to offer guidance and support to those in Palo Alto, ensuring that you don’t face this battle alone.

Why Are Life Insurance Claims Denied?

Life insurance claims can be denied for a variety of reasons, often catching grieving families off guard. Here are some of the most common reasons claimants face rejection:

1. Misrepresentation on the Application: Insurance companies will closely examine the original application for errors or omissions. If they determine there were inaccuracies, even unintentional ones, they may attempt to void the policy.
2. Policy Lapses Due to Non-Payment: Life happens, and sometimes policyholders miss a payment or two. Unfortunately, even minor lapses in coverage can provide insurers with a reason to deny a claim.
3. Failure to Disclose Medical Conditions: Insurance companies may deny claims if they believe the policyholder failed to disclose pre-existing health conditions, even if those conditions were unrelated to the cause of death.
4. Contestability Period Issues: If the policyholder passed away within the first two years of the policy, the insurer has the right to investigate the claim more thoroughly. This often results in claim denials that unfairly target grieving families.
5. Exclusions in the Policy: Many life insurance policies include specific exclusions, such as deaths related to high-risk activities, suicides within a certain timeframe, or acts of war. Insurers can selectively enforce these exclusions, leaving families in a vulnerable position.

What Are Your Options After a Denial?

If your claim has been denied, it can feel like the end of the road—but it doesn’t have to be. You have options. Often, denials arise due to technicalities, oversights, or aggressive tactics by insurance companies aiming to protect their bottom line.

• Request a Detailed Explanation: Start by requesting the official denial letter from the insurance company. This document will outline the reason(s) for denial, which is a critical first step in understanding how to move forward.
• File an Appeal: Many denials can be contested through appeals, especially if you can provide additional documentation or evidence that supports your claim.
• Consult an Attorney: Navigating a denial without the aid of an experienced attorney can be overwhelming. A lawyer can help you understand your rights, evaluate the insurer’s rationale, and build a solid case to fight for the benefits you deserve.

Why Choose Roberts Disability Law, P.C.?

At Roberts Disability Law, P.C., we help individuals and families in Palo Alto and beyond secure the life insurance benefits they deserve. Drawing from years of experience in insurance law, our lead attorney, Michelle Roberts, is determined to fight for the underdog. From assisting claimants in understanding policy exclusions to aggressively challenging wrongful denials, we strive for justice with every case we take on.

Consistent Success That Speaks for Itself

Our team has an impressive track record of overturning denials and helping clients recover the funds they’re owed. Whether it’s through negotiation, strategic appeals, or litigation, we’re prepared to go the distance.

Personalized Guidance and Compassion

What sets us apart is our commitment to treating every client like family. Resolving denied claims isn’t just a legal issue for us; it’s a deeply personal mission. Inspired by experiences assisting her own disabled father, Michelle Roberts built this practice on the values of empathy, determination, and resilience.

If you’ve had a life insurance claim denied in Palo Alto, you don’t have to face this uphill battle alone. Contact Roberts Disability Law, P.C. today for a consultation. Together, we’ll fight to secure the benefits your family needs to find stability and peace of mind.