When a life insurance claim is denied, it can feel overwhelming and unfair—particularly during an already difficult time. Facing a denied claim isn’t just about finances; it’s about honoring the legacy of a loved one or securing the benefits they intended for you. This is why working with experienced life insurance claims attorneys is essential. At Roberts Disability Law, P.C., we bring compassion, insight, and determination to the table, ensuring clients in San Mateo have the support they need to fight for what’s rightfully theirs.

The Complexities of Life Insurance Claim Denials

Life insurance claims are rarely straightforward. Insurance companies often deny claims for a variety of reasons, such as alleged misrepresentation on the policy application, exclusion clauses, or debates concerning the nature of a policyholder’s death. For example, a company might claim the insured committed suicide or engaged in reckless behavior that voids the policy. These disputes not only complicate the claims process but also add emotional stress to an already challenging time.

At Roberts Disability Law, P.C., we understand the nuances of these cases. We navigate the complexities of claims governed by the Employee Retirement Income Security Act (ERISA). Many group life insurance policies provided through employers fall under ERISA, meaning the legal process can be significantly more challenging. With decades of experience in ERISA law and insurance litigation, our team knows how to counter these challenges effectively.

How Roberts Disability Law, P.C. Can Help

Whether you’re struggling with a denied claim or navigating the appeals process, Roberts Disability Law, P.C. is here to help. We focus on building strong cases tailored to each client’s unique situation. Here’s how we assist:

• Fighting Denials: If your life insurance claim was denied based on alleged misrepresentation, exclusions, or other reasons, we thoroughly investigate your case. Our attorneys challenge the insurer’s findings and build arguments supported by evidence and expert opinions.
• Clarifying ERISA Compliance: Cases involving ERISA-governed policies are often especially complex due to stringent deadlines and procedural requirements. Our firm has extensive experience handling ERISA claims successfully, giving us the tools to hold insurance companies accountable.
• Advocating During Appeals: The appeals process can be overwhelming and highly technical. We take charge by submitting well-supported appeals that highlight inconsistencies in the insurance company’s reasons for denial.
• Maximizing Benefits: Life insurance policies can sometimes include related provisions, such as waivers of premium or accidental death and dismemberment (AD&D) benefits. We ensure no potential benefit goes overlooked.

Why Choose Roberts Disability Law, P.C.?

Our dedication sets us apart. Founded by Michelle Roberts, a nationally recognized ERISA attorney, our firm’s mission is rooted in advocacy for people facing uphill battles against insurance companies. Michelle’s personal motivation stems from watching her father, a disabled Navy veteran, experience struggles with his benefits. This perspective drives our empathetic yet tenacious approach to every case.

Clients consistently praise our team for professionalism, responsiveness, and results. We treat every case with the diligence and care it deserves, no matter its size. Plus, as a woman- and minority-owned business, we believe in creating a positive impact beyond the courtroom. By choosing Roberts Disability Law, P.C., you’re partnering with a firm committed not just to winning but to making a difference.

Get the Help You Need Today

If you’re dealing with a denied life insurance claim in San Mateo, don’t face it alone. Roberts Disability Law, P.C. is ready to be your trusted advocate. Contact us to schedule a consultation. We’ll work tirelessly for the justice and benefits you deserve.