Denied Life Insurance Claims Are Devastating
Nothing is more devastating than the loss of someone you love. Whether expected or sudden, tragedies like this are overwhelming. To the surprise of many family members, the amount of work to do after the death of a family member is tremendous. The management of personal grief and administrative paperwork is compounded with financial concerns. In those cases where the individual who passed away was a source of financial support for a family, panic may set in.
Thankfully, many in Oklahoma have planned for the inevitable and purchased life insurance policies. Taking this step provided them peace of mind that their family would be cared for in their absence.
Regrettably, quite often the beneficiaries of these policies receive claim denial letters when they file to receive their compensation.
Needless to say, notices like this are surprising. Those who have experienced a loss believe that filing for their benefits is a means to an end; they never assumed they wouldn’t receive compensation. Yet, denial letters are common. Insurance companies’ primary focus is profitability; and delaying, denying and underpaying claims is a strategy that has proven to be successful in achieving their goals.
Many accept their insurance company’s denial as a final decision and simply move forward. Doing so is unwise — it leaves money that may rightfully belong to you in the insurance companies’ pockets. You do have the option to appeal a life insurance payment denial. Engaging the guidance of a Norman life insurance claim denial lawyer is the first step in embarking on this process.
Working with an experienced professional can make a very real difference.
Doug Terry Law, a fixture in Norman, Oklahoma, knows how to handle denials of life insurance claims; in fact, we are often the first call for many in this position. If you are in the midst of a life insurance claim denial, contact us at 405-463-6362 to schedule a free consultation and to learn how we can impact your situation. Our compassionate and capable attorneys are ready to help!
Our Norman Life Insurance Claim Denial Attorney Is a Valuable Resource
5 Reasons Why You Should Engage Us
If you are in receipt of a denied life insurance claim letter in Norman, working with an experienced professional is definitely in your best interests. The first step in moving forward is identifying the right firm to serve you. Consider 5 reasons why so many in the area choose Doug Terry Law.
- Knowledge and Experience: Our firm has a long history of addressing bad faith life insurance denials; we have been serving Oklahomans for decades. Prior to founding the firm, attorney Doug Terry spent years representing insurance companies. He leverages his first-hand knowledge regarding their tactics to strategically address denials for his clients.
- Detail-Focused Approach: While our experience is vast, our approach to service is based on the knowledge that each case is unique. We review all of your documents and make sure to understand the circumstances surrounding your experience. Details matter. While we always leverage our knowledge, we never rely on it to cut corners.
- Unwavering Commitment: Our firm was founded on the knowledge that insurance companies take advantage of their policyholders, favoring profits over client service, as well as the belief that individuals need and deserve the same exceptional level of representation as the companies denying their claims. We strive every day to exceed, not just meet, our clients’ expectations.
- History of Proven Success: You want to work with professionals who have a reputation for providing quality and successful service. Our clients’ words speak highly to their satisfaction, both with the service we provide and the results we achieve. We are always grateful to those who take the time to share their experience with us.
- Fair Fee Structure: We appreciate that cost is a concern for our clients; after all, their benefits have already been denied. As such, we provide all prospective clients with a free consultation where we review their case and share how we would proceed, if hired. Additionally, if we believe you have a solid claim, we may be able to work on a contingency basis.
We are confident in our experience and commitment and eager to put both to work for you. Learn more about Doug Terry Law in Oklahoma by reaching out to our team.
We Manage the Entire Appeals Process for You
Your Goals Are Our Goals – Understanding What We Do to Accomplish Them
Managing life after the death of a loved one can only be described as mind-boggling. Sometimes it seems like every time you open the mailbox or answer the phone, you have more to do — and the process is never easy. Appealing a denied life insurance claim can be difficult, especially for those unfamiliar with the industry, language, and requirements. When you engage our Norman life insurance claim denial attorney you can rest assured that we will handle everything relating to your case. Our team will:
- Meet with you to understand your situation
- Review all relevant documentation including the life insurance policy purchased by your loved one, your claims submission, and the denial letter
- Identify the reason for the insurance company decision
- Calculate both what you are owed as per policy language, in addition to costs you may have incurred due to the delay in payment
- Negotiate with the insurance company to reach a fair and reasonable settlement
- Aggressively litigate, on your behalf, if necessary.
This process requires significant time, constant communication, careful attention to detail, and an extensive knowledge of law. Our team handles everything related to the case so you can focus on moving forward with your family.
Life Insurance Claim Denials Happen Regularly
Recognizing the Reasons Why
As mentioned, denying claims is a business strategy for insurance companies nationwide. Life insurance claims in Oklahoma are no exception. Some of the reasons why your claim may have been denied include:
- Concealment of pre-existing health conditions
- Drug and/or alcohol use
- Homicide
- Participation in dangerous activities
- Lifestyle choices (smoking)
- Suicide
- Policy expiration
- Lapse in premium payments.
In some cases, their reasons are valid, but quite often they claim exceptions that don’t exist in policy language. Our team knows what to look for and how to address these issues to move your case forward and maximize compensation.
Calculating Your Damages
Damages are available for those individuals who have been victimized by bad faith actions by their insurance companies. If we are able to prove your insurance company acted in bad faith you may be eligible to receive compensation in addition to the benefits under the policy, including interest on the benefits that were due to you; reimbursement for legal fees and court costs; emotional damages; and punitive damages (if the insurance company’s actions were particularly abhorrent).
As your life insurance claim denial lawyer in Norman, we will calculate and substantiate the damages for you.
At Doug Terry Law, our team understands how to prove bad faith and recognizes what courts look for in terms of damages.
Addressing Life Insurance Denial Claims in Norman, Oklahoma
Doug Terry Positively Impacts Settlements
The process of appealing a denied life insurance claim is involved. Engaging the advice and counsel of a Norman, Oklahoma, denied claims attorney with specific life insurance experience can save you time and aggravation and increase your odds of receiving a settlement. Insurance companies recognize that they are less successful when negotiating with attorneys, so they are more likely to agree to a reasonable settlement.
The loss of your loved one was a tragedy, one which takes all of your energy to manage. When you work with our team, you can rest assured that we will handle every aspect of your appeal in a timely fashion. That said, we are always available to answer your questions, and ultimately you have final decision-making power as to whether or not to accept an offer from the insurance company. We advise and counsel, but never make final decisions on your behalf.
Our longstanding commitment to serving the people of Norman, Oklahoma, is well-known and our dedication to our clients outstanding. We know how to effectively manage cases like yours. Reach out to our team today at 405-463-6362 to schedule your no-obligation consultation and learn how we can support you during this trying time.
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