Serving Florida and Nationwide
Call For A Free Consultation
(954) 989-9000
Serving Florida and Nationwide
Call For A Free Consultation (954) 989-9000

Holding Insurance Companies Accountable For The Coverage They Promised and The Benefits You Deserve. Serving Florida and Nationwide.

Latest Blog Posts

What to Do When You’re Terminated While Receiving Disability Benefits in Florida

Our Florida and nationwide claims attorneys at Disability Insurance Law Group know many employers offer disability insurance as part of their employee benefits package. In this case, disability benefits are directly...


Understanding the Incontestability Clause in Florida Disability Insurance Policies

Our Florida and nationwide claims attorneys at Disability Insurance Law Group know that the “incontestability clause” in insurance policies is a crucial safeguard for policyholders. It limits the insurer’s ability to...


The Role of Functional Capacity Evaluations in Florida Disability Claims

At Disability Insurance Law Group, our Florida and nationwide claims attorneys know Functional Capacity Evaluations (FCEs) play a significant role in disability claims, no matter where you live in the U.S. FCEs...


Skilled Accidental Death & Dismemberment Insurance Claims Attorneys in Orlando, Florida

At Disability Insurance Law Group, our Orlando accidental death and dismemberment (AD&D) claims lawyers understand that the very nature of this type of insurance coverage is specifically designed to provide financial benefits under traumatic and tragic circumstances.

When serious injury, dismemberment, or death results from an accident, the policyholder or their beneficiaries can pursue a valid coverage claim, counting on the insurance company to fulfill their end of the agreement.

Unfortunately, our Orange County accidental death and dismemberment claims attorneys know that expectation is often met with significant challenges. In some cases, the catastrophically injured or grieving family member’s claims are immediately denied, stirring confusion and frustration that is difficult to overcome. This is why we are here.

Our insurance claims attorneys have more than 50 years of combined experience in protecting the rights of policyholders in Florida and across the nation. When you and your family face life-changing circumstances, we want to help you pursue your insurance company for the necessary benefits to move forward. 

Contact us today to get the help you need to confidently face your insurance provider to demand the benefits your coverage promises so you can move forward and regain control of your life.

Accidental Death & Dismemberment Insurance Claims

When Can a Policyholder Pursue an AD&D Insurance Claim

AD&D insurance coverage is designed to provide benefits when the insured individual suffers specific injuries — resulting in the loss of a limb, partial or permanent paralysis, or blindness — or is killed in a covered accident.

The types of accidents, injuries, and death terms are defined and outlined differently by each insurance company and may include:

  • Car accidents.
  • Falls and other dangerous accidents.
  • Crushed by fallen objects.
  • Fire-related accidents.
  • Fare-paying public transportation passenger deaths.
  • Lightning strikes.
  • Workplace accidents.
  • Murder.

This means the exclusions will also vary from insurer to insurer and policy to policy and may include, but are not limited to, death or dismemberment resulting from committing a crime, suicide, drug overdoses, high-risk activities, and certain illnesses.

It is vital to review your coverage thoroughly to ensure you and your family understand the terms of the agreement. We can help. No matter where you live or work in the U.S., contact our Orlando AD&D insurance claims attorneys today to discuss your needs during a free consultation.

Individuals in High-Risk Occupations Can Benefit from AD&D Insurance Coverage

AD&D insurance can be added to a life insurance policy or purchased as standalone coverage. Individuals with dangerous, high-risk jobs can benefit from coverage even if they (hopefully) never need it.

Common occupations where workers may benefit from AD&D coverage may include, but are not limited to:

  • Law enforcement.
  • Fire and rescue.
  • Truck drivers.
  • Construction trades.
  • Roofing.
  • Car mechanics.
  • Aircraft pilots.
  • Flight engineers.
  • Instructors in risky fields.
  • Manufacturing.
  • Logging.
  • Extraction workers.
  • Commercial fishers.
  • Structural iron and steel workers.
  • Farmers, ranchers, and agricultural managers.
  • Landscaping, lawn service, and groundskeeping workers.
  • Refuse and recyclable material collectors and processors.

If you are employed in an occupation with inherent risks — even if they are not as common as the jobs listed here — AD&D insurance coverage can help financially protect you and your family should the unthinkable occur.

If you or a loved one carried AD&D insurance and were in a covered accident where you suffered a qualifying injury or death and the insurance company is challenging your claim, we want to help. No matter where you live or work in the United States, our experienced accidental death & dismemberment attorneys in Orlando can help you understand your coverage so we can pursue your policy for the best outcome.

How Can Disability Insurance Law Group Help with My AD&D Insurance Claim?

The benefits paid by an AD&D insurance policy can help cover medical bills, rehabilitation costs, and other expenses associated with an accidental injury. They can also provide financial assistance to the insured’s family in the event of accidental death.

However, this is only true if the insurance company pays the AD&D claim.

Unfortunately, for policyholders and their beneficiaries, AD&D insurance policies pose a substantial financial liability to insurance companies, which means they will be closely scrutinized upon receipt.

While the insurance industry is regulated, and laws are in place to protect consumers, insurers are also businesses motivated to maximize profits. This means AD&D claims are rarely approved for payment immediately. They may require the injured policyholder or grieving family member to place their life on hold to pursue the benefits guaranteed by their policies.

Our Orlando AD&D insurance claims attorneys help Florida residents and policyholders nationwide submit a complete initial claim, so there is little room for an insurance company dispute or take the lead in pursuing an appeal after deserving policyholders have received a denied claim notice.

The legal team at Disability Insurance Law Group will aggressively fight to obtain the AD&D benefits you deserve and to hold your insurance company accountable for the coverage it promised. AD&D insurance companies have a team of attorneys; you can, too.

We Also Serve this Practice Area in the Following Cities:-

Contact Our Skilled Accidental Death & Dismemberment Attorneys Today

Contact our skilled accidental death & dismemberment attorneys in Orlando today by calling (954)-989-9000 or contact us online to schedule a completely free and confidential case assessment so we can put our over 50 years of combined experience to work for you.

Do You Need Legal Counsel? We Invite You To Contact Us For A Free Consultation.

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OFFICE
  • 3201 W. Commercial Blvd. Suite 227
  • Fort Lauderdale, FL 33309
Call For A Free Consultation (954) 989-9000

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