One of the greatest benefits that somebody can have through their employer is life insurance. However, what happens if this benefit results in a claim that is denied? Insurance companies are notorious for doing all they can to deny a claim for what may seem like ridiculous reasons. The insurance claim may very well be denied for any number of reasons, and with this type of insurance, it is always when the beneficiaries are in the direst of need.
On the surface, life insurance policies sponsored through the employer seem like a great deal. They are extremely affordable and they require no medical exam. They can be of great benefit to the family if the unexpected and unfortunate happens. However, ERISA laws are incredibly complex and denials should always be handled by an experienced attorney or law firm.
If somebody is offered life insurance through their current employer, it is important to not just sign-up for the benefits and let that be the end of it. A copy of the entire insurance policy and all that it entails should be requested and reviewed, preferably with someone who understands all of the “legalese” that is inherent in such forms. The most oft-cited reasons that insurance policies take advantage of ERISA laws to deny claims are: the employee was on sick leave at the time, the employee was terminated from their position and failed to port their coverage, the employer themselves did not pay the premiums or deducted an incorrect amount from the paycheck of the employee, or that the employer somehow misrepresented the employee to the insurance company in some arcane way.
Insurance companies are banking on the fact that the denial is absolutely coming at a time when the family is at the height of grieving. Therefore, they will not have the strength or will to put up much of a fight. This is why the family absolutely needs an experienced attorney, such as the ones at Autoaccidentattorneyhonolulu.com, to wage the fight for them. In this way, the family can continue their much-needed grieving process while the law firm can take on the insurance company to try and get the family what they deserve.
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