When faced with the denial of a life insurance claim, it can feel overwhelming and deeply unjust. You’ve lost someone you care about, and now insurance companies are putting up barriers to the benefits your loved one intended for you. At Roberts Disability Law, P.C., we understand the frustration and emotional toll these situations bring, which is why we are committed to representing individuals in San Jose with skill, determination, and empathy.

Our firm handles life insurance disputes, particularly those governed by the Employee Retirement Income Security Act (ERISA). With decades of combined experience, we have the legal insight needed to overturn wrongfully denied claims and secure the payouts you deserve.

Common Challenges When Filing Life Insurance Claims

Life insurance companies often deny claims for various reasons, many of which can feel confusing or even unfair. Some of the most common challenges include:

1. Alleged Misrepresentation on the Application – Insurance providers may argue that the deceased provided inaccurate information about their health or lifestyle on the original application. Even unintentional errors can lead to claim denials.
2. Policy Exclusions – Insurers may deny claims based on exclusions within the policy, such as allegations of suicide, illegal activity, or contributory negligence.
3. Lapsed Policies – Failure to pay premiums or maintain coverage can lead to disputes, even in cases where exceptions should apply, such as disability waivers not being honored.
4. Delayed Claims Processing – Some cases are unnecessarily delayed as insurers request excessive documentation or evaluate claims without transparency.

These challenges can be intimidating, particularly for grieving families. However, with an experienced legal advocate, these obstacles become manageable.

How We Can Help

At Roberts Disability Law, P.C., we take a strategic and compassionate approach to resolving life insurance disputes. Here’s how we support our clients:

• Thorough Policy Review – Our attorneys meticulously analyze the terms of your loved one’s life insurance policy to identify the root of the denial and potential solutions.
• Evidence Development – Whether it’s disproving an exclusion like suicide or addressing alleged misrepresentations, we gather and present comprehensive evidence in favor of your claim.
• Appealing Denials Effectively – Insurance companies have teams of professionals working against you. We level the playing field by using our deep understanding of ERISA law and insurance regulations to craft a strong appeal.
• Representation in Legal Proceedings – If a settlement cannot be reached, we are prepared to take your case to court to protect your rights.

Why Choose Roberts Disability Law?

Roberts Disability Law, P.C. offers unique advantages that set us apart:

• Personalized Service – We understand that no two cases are alike. Our team takes the time to learn the details of your situation and provide tailored legal strategies.
• Empathy and Determination – Our founder, Michelle Roberts, built her practice on a deep commitment to fighting for the underdog. Having experienced first-hand the struggles of living with a disability through her own family, she and our team approach every case with compassion and a relentless drive to succeed.
• Proven Track Record – We have successfully managed cases against some of the largest insurance companies in the country. Our results speak for themselves, with countless clients receiving the benefits they were wrongfully denied.

Take the Next Step

If you are struggling with a denied life insurance claim in San Jose, you don’t have to face the battle alone. Roberts Disability Law, P.C. is here to guide you through the process, advocate for your rights, and help you secure the benefits your loved one intended for you. Contact us today to schedule a consultation.