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Life insurance claims likely fall under ERISA law (Employee Retirement Income Security Act) when the coverage is obtained through your employer, and a life insurance claims lawyer in Nashville often sees how confusing this process can be. ERISA law covers most employee benefits and can be very tricky to navigate. ERISA is a federal law that requires a claimant to follow the administrative procedures outlined in the policy or plan and, if coverage is denied, file a lawsuit in federal court. Many people contact our law firm because the process is not always clear and it can be a major undertaking to review the policy language and medical records associated with coverage with a qualified ERISA attorney.
Most people believe life insurance is an easy benefit to collect for obvious reasons; however, sometimes coverage depends on interpretation of one or more clauses in the policy. These clauses may involve the manner of death or the timing of death, or the coverage selected.
We were able to achieve a successful result for a client where the ERISA life insurance coverage was initially denied but our appeal showed the life insurance carrier denial did not consider that the decedent actually purchased supplemental coverage (instead of base coverage). The supplemental ERISA life insurance coverage offered different terms of coverage, including a different elimination period. Fortunately, under the supplemental ERISA life insurance coverage, the effective date of the coverage was different and our client, a 40-year old widow with two kids was able to obtain all the coverage her husband purchased which has changed her dire circumstances.
If you believe a life insurance benefit has been wrongfully denied, a life insurance claims lawyer could help review your situation and explain your options. Contact us to schedule a free consultation and learn how these claims are handled across the United States.