Life Insurance Lawyer Texas
Texas Litigation Firm Representing Clients Across the U.S.
Life Insurance Attorney Texas: Lawyers for Insurance Claims
People buy life insurance to provide financial security and peace of mind for their family and loved ones in the event of an unforeseen death. It is difficult enough to deal with the death of a loved one without at the same time also attempting to fight an insurance company denial of the beneficiary’s life insurance claim. Business owners also purchase life insurance to enable the surviving business owners to adequately and fairly address the surviving spouse or family members’ ownership interest in the business in order to enable the business to transition and continue its operations in the future. Contact the Texas life insurance claims attorneys of Grisham & Kendall, PLLC today at (214) 308-2027 to schedule a free consultation.
Free Policy and Claim Review
The attorneys at Grisham & Kendall, PLLC have represented Texans for more than 20 years. We offer a free review of your policy and claim and are happy to discuss the issues that may apply to your individual claim. If you would like our attorneys to review your insurance policy at no cost and with no obligation, please call Grisham & Kendall, PLLC at (214) 308-2027 to schedule a call or contact us using the form.
Attorney for Life Insurance Claim Delays or Denials
The following are examples of reasons given by insurance companies for denial of life insurance claims:
- Failure to timely contest coverage under the policy
- Dispute as to proper beneficiary
- Misrepresentation by insured in the insurance application
- Undisclosed medical conditions
- Dispute concerning the cause of death
These are just a few examples. If you believe your claim for benefits under a life insurance policy have been wrongly delayed or denied, you may be entitled to recover benefits owed under the policy, attorneys’ fees, and additional damages if the insurance company is found to have denied your insurance claim in bad faith.
Life Insurance Claim Attorney FAQ
The process of collecting life insurance can be complicated and frustrating. When the beneficiary of a plan is struggling financially, the stress of not being able to collect life insurance is particularly taxing. After the plan beneficiary files a claim, the insurance company will conduct a brief investigation. If the insurer finds everything to be compliant with the terms of the life insurance plan, they will make the money available to the family. The length of the process can vary but commonly takes about 30 to 60 days after the family files a claim with the insurance company.
If you are in the process of filing a claim, or if you have already filed and are waiting on payment, an experienced attorney can evaluate your situation and help you understand what your specific timeline should look like. If you have been waiting for an extended period of time for the insurance company to release your loved one’s life insurance payment, contact a lawyer. A skilled lawyer can expedite the process and help you get the payment that you need to support yourself.
Hiring a lawyer is an effective way to expedite the process of collecting life insurance. A knowledgeable lawyer understands the tactics that insurance companies employ when they stall the payment that deserving beneficiaries are owed. Your attorney can also help you understand if your insurance company is avoiding you or if they are simply doing their due diligence.
A major roadblock for beneficiaries often occurs when a loved one dies within the contestability period. Almost all insurance companies adhere to a two year contestability period. The contestability period goes into effect immediately after someone takes out a life insurance plan. If the insured dies within two years of firming up their plan, the insurance company will investigate to ensure that the death wasn’t suspicious or that the insured did not misrepresent anything on the application. If your loved one died within the contestability period, contact a lawyer right away for help ensuring your compensation is not wrongfully denied.
If you are fighting for the compensation that you need after a loved one passes away unexpectedly, the last stressor you need is an added expense. Our lawyers only collect payment from you if we successfully recover the life insurance payment that your insurance company owes. If we are able to hold your insurance company accountable, we only take a percentage of the money we win. Likewise, if don’t win against your insurance company, you don’t owe us a dime. Our knowledgeable Dallas, TX team understands how discouraging facing an uncooperative insurance company can be, which is why we use all of the resources at our disposal to fight for you.
Many people choose to take out life insurance policies in order to plan and provide for their family in the event of a premature death. Life insurance is a security that provides peace of mind that families will have financial support after an unexpected passing. For many families, life insurance money is necessary to keep them afloat after a loved one deceases. Unfortunately, life insurance companies will sometimes deny and delay claims for a variety of reasons and technicalities, leaving families without the funds they need. These denials and delays harm families in a number of ways. Some issues these denials can cause include:
- Financial strife: People with life insurance policies acquire them to provide for their families financially after they pass away. Many families rely on the income of a certain family member, and their passing can cripple families financially when they are not given the money they deserve from insurance companies. Families may lose their homes, go into bankruptcy, and endure a host of other financial struggles because of having their life insurance claims denied or delayed.
- Painful battles with insurance companies: After a loved one dies, the last thing families need is to undergo painful and lengthy battles with their insurance companies to get their rightful insurance money. Painful details about their loved one, their past, and their death may come up in the midst of a family trying to grieve.
- Violation of the plans and wishes of a recently lost loved one: Losing a loved one is difficult. Knowing that an insurance company is violating their plans for your family and wishes regarding your care worsens an already impossible situation. No one should have to endure the pain of knowing their loved one’s wishes will not be carried out over some technicality employed by an insurance company, especially paired with the financial difficulties that come with such denials of claims.
Most insurance companies will pay within 30 to 60 days of a claim.
There is no time limit on life insurance death benefits, so you don’t have to worry about being too late to file a claim.
To file a claim, you can call the company or, in many cases, start the process online.
Settlement of claims is one of the most important things life insurance companies do. Most life insurance companies will make a payment within 7 days of receiving the necessary documentation.
Yes, life insurance claims sometimes get denied for a variety of reasons.
Some reasons for denials may be:
- The death happened during the contestability period
- The type of death wasn’t covered in the policy
- The employer failed to submit a waiver of premium
- Policy premiums were not paid, leading to a lapse in payment
- There is no beneficiary designation on file
- The beneficiary was changed after a divorce
- The beneficiary on the policy is a minor
- The insured did not name a spouse as a beneficiary in a community-property state
- The life insurance policy was included in a will or a trust
- The beneficiary was not updated after a major life change
- The insured named his “children” or “relatives” as beneficiaries
- The insured named only a primary beneficiary
Typically, life insurance proceeds received as a beneficiary due to the death of the insured person don’t need to be reported in gross income. However, any interest you receive is taxable and you should report it as interest received.
While the life insurance company may eventually reach out to beneficiaries, it’s much faster if you make a claim yourself.
Contact a Texas life insurance attorney
Please call the Grisham & Kendall Texas life insurance attorneys at (214) 308-2027 to discuss your case if your claim was unfairly denied. We don’t charge for the initial consultation and we represent most of our insurance clients on a contingency-fee basis. This means that you won’t owe us anything unless we recover money from the insurance company through a settlement or litigation.
Types of Life Insurance
Life insurance is an agreement made between a policyholder and an insurance provider that if the policy holder were to die, a designated beneficiary would receive financial benefits. Policyholders typically pay premiums over their lives to give their family financial stability in the form of life insurance payouts in case of an accident. There are two main types of health insurance policies with many different types within the categories.
If you have lost a loved one who had a life insurance policy, yet your insurance provider is refusing to pay or significantly underpaying on your claim, you need a qualified legal representative to help you fight for the benefits you need. To discuss your legal options with an experienced attorney, contact the dedicated Texas life insurance claim lawyers of Grisham & Kendall, PLLC, today at (214) 308-2027 and schedule your case evaluation.
Life Insurance Options
The two primary categories of life insurance policies are term and permanent. Term life insurance gives the beneficiary a life insurance payout only if the policyholder dies within a specified time period. Within this category are another five different subtypes of term life insurance.
The other major life insurance category is permanent life insurance, which covers the policyholder’s entire lifetime. Like term insurance, there are also a large number of categories that a policyholder can choose from when developing his or her personalized life insurance policy.
If you have lost a loved one who had a life insurance plan and you are the beneficiary, you deserve the financial benefits the policyholder intended for you. Contact the Texas life insurance claims attorneys of Grisham & Kendall, PLLC, today at (214) 308-2027 to learn more about your options if your claim as been denied.
Life Insurance Denial Attorney
Investigation of Denied Life Insurance Claims
Having life insurance coverage provides us and our families with the reassurance that those we love will be provided for in the event of a family member passing away. Unfortunately, though life insurance is bought by a good number of people, sometimes these claims are denied by insurer’s after a loved one’s passing. These denials, which are all too often unfair and unreasonable, can make an already difficult time unbearable for you. Fortunately for people facing this situation in Texas, our team knows that many insurance companies unfairly deny life insurance claims and can help people in determining what steps they should take next in such a situation.
Unfair Denials of Life Insurance Claims
While some life insurance claims are denied legitimately, in a lot of cases the insurance company is guilty of a mistaken denial. Some ways in which an insurance company can make an unfair denial of a life insurance claim:
- Not actually investigating an insured person’s claim
- Denial based on little to no evidence
- Deceptive practices in coverage
- Insurance agent negligence
- Trying to avoid more payment with underpayment
All of these practices could be considered forms of insurance bad faith and may put an insured person’s family in serious financial trouble.
Talk to a Life Insurance Denial Attorney in Texas Today
If you have had a life insurance claim denied unfairly, you can explore your legal options today with the help of a life insurance attorney from Grisham & Kendall, PLLC. By calling us at (214) 308-2027, you can find out whether you are eligible to file an insurance bad faith claim and seek the coverage you believe you are owed.
Texas Health Insurance Claims Attorneys
Purchasing medical insurance is a way to protect you and your family from unexpected issues that may arise, especially when it comes to illness or accidents. Health insurance is also a way to minimize the costs of doctor visits and regular medical checkups. Unfortunately, families may be forced to deal with unnecessary expenses and mounting debt if their insurance provider fails to meet the agreed provisions of their policy.
If you believe that your insurance provider is not acting in good faith, you may be able to pursue legal action against the company. The Texas health insurance claims attorneys of Grisham & Kendall, PLLC, have years of experience helping people that are at odds with health insurance providers about their medical claims. Contact our offices at (214) 308-2027 to discuss your case with a member of our legal team today.
Medical Insurance Claim Complications
When an individual suffers an injury or illness and requires medical treatment, their health insurance policy will often provide coverage for some portion of the costs associated with treatment. Unfortunately, insurance providers may refuse to pay for certain procedures or cover certain ailments and may not have legal grounds to do so.
Health insurance claim complications commonly include:
- Denied procedure/treatment coverage
- Wrongly denied claims
- Administrative errors
- Filing errors
- Lapsed time limits
At Grisham & Kendall, PLLC, we are also able to help clients with claims involving:
- Long term disability claims
- Short term disability claims
- Treatment claims
- Medical procedure claims
- Prescription medication claims
- Long term care claims
- Disability insurance claims