Skilled Accidental Death & Dismemberment Insurance Claims Attorneys in Tampa, Florida
At Disability Insurance Law Group, our Tampa accidental death and dismemberment (AD&D) claims attorneys have 50 years of combined experience representing individuals and families in Florida and across the nation whose AD&D coverage benefits are being disputed or denied by their insurers.
Accidental death and dismemberment insurance is designed for individuals who want additional financial protection in the event of specific accidental injuries or death. It can be relevant for a wide range of individuals of all ages and professions, usually for people in high-risk occupations or industries, such as construction workers, first responders, and military personnel, to supplement their existing insurance coverage and protect their families from the financial impact of an accident.
Our Hillsborough County AD&D insurance claims attorneys know that policyholders specifically obtain this insurance to cover accidental death and injuries resulting from accidents, often as an add-on policy to their existing private or employer-provided life insurance coverage.
These policies are popular with parents and individuals who are the primary income earners for their families to provide financial security for their loved ones in case of an accident. Individuals with limited savings or assets may also see AD&D insurance as an affordable way to ensure their loved ones have financial protection if they pass away due to an accident.
The one thing each AD&D policyholder has in common is that they expect the coverage to be there for them if needed. When their insurance company disputes or denies their essential claim, it can lead to the very financial devastation they were trying to avoid. This is not fair.
We want to help.
Contact our Tampa attorneys today to learn more about your legal rights and options to hold your insurer accountable for your AD&D benefits.
What Should Accidental Death & Dismemberment Insurance Cover?
All accidental death and dismemberment policy terms, coverage amounts, exclusions, and limitations are unique. It is essential to understand the details of your coverage — or that of your loved one — when seeking benefits from an AD&D policy to know exactly what you are entitled to.
Standard coverage allowances in AD&D insurance policies include:
AD&D insurance provides a lump-sum payment to the beneficiary if the insured person dies due to a covered accident. The death must occur within a specified time frame after the accident, typically within 90 days.
AD&D insurance pays a benefit if the insured person loses a specific body part or function due to a covered accident. Expected covered losses include the loss of limbs, sight, speech, or hearing.
Some AD&D policies also provide benefits for paralysis resulting from an accident. The level of benefits may vary based on the extent of paralysis, such as quadriplegia or paraplegia.
In some cases, AD&D insurance may provide benefits if the insured person falls into a coma due to a covered accident. The policy will typically specify the criteria for coma-related benefits.
- Accidents While Traveling
AD&D insurance often covers accidents that occur while the insured travels, whether on vacation or business travel. This can include accidents during air travel, car accidents, or other accidents that happen away from home.
It is important to note that AD&D insurance specifically covers accidents and injuries resulting from accidents. It does not cover deaths or injuries caused by illness, natural causes, suicide, or self-inflicted injuries. Additionally, AD&D insurance does not cover disabilities or injuries that result from non-accidental events, such as medical conditions, degenerative diseases, or pre-existing injuries.
Policy terms and conditions can vary among different insurance providers, so it is essential to review your AD&D insurance policy with a skilled insurance carefully claims attorney to understand what specific accidents and injuries are covered, the benefit amounts, any exclusions, and any limitations or waiting periods that may apply.
No matter where you live or work in the U.S., contact our Tampa AD&D insurance claims attorneys today to discuss your needs and how we can help during a free consultation.
Can I Appeal a Denied Death & Dismemberment Insurance Claim?
Yes, you can typically appeal a denied death and dismemberment insurance claim if you believe that the denial was made in error or that your claim meets the policy’s criteria for coverage.
The origin of the dispute or denial is that policyholders or their beneficiaries are unsure if what the insurer tells them is true.
Common reasons the insurer will deny an AD&D claim may include, but are not limited to:
AD&D policies often contain specific exclusions, and claims may be denied if the accident or injury falls under one of these excluded categories, like pre-existing medical conditions, self-inflicted injuries, or injuries sustained while under the influence of alcohol or drugs.
- Failure to Meet Policy Definitions
AD&D policies typically have specific definitions and criteria for what constitutes an accident or dismemberment the policy covers. The claim may be denied if the incident doesn’t meet these definitions.
Insurance companies typically require substantial evidence to support a claim. The claim may be denied if the insured person’s death or dismemberment lacks sufficient documentation, medical records, or proof of the accident.
- Disagreements over Cause of Death or Dismemberment
In some cases, there may be disputes between the insured person’s medical professionals and the insurance company regarding the cause or severity of a dismemberment. These disagreements can lead to claim denials.
- Failure to Meet Timeframe Requirements
Some AD&D policies have strict time limits for when a covered injury or death must occur after the accident. The claim may be denied if the incident and the subsequent death or dismemberment fall outside this timeframe.
- Misrepresentation or Omissions
Providing inaccurate or incomplete information during application can lead to claim denials. If the insurance company discovers that the insured individual misrepresented their health or lifestyle when applying for the policy, they may deny the claim.
If the policyholder fails to pay premiums or the policy lapses for any reason, the coverage may no longer be in effect, leading to claim denials.
No matter why your accidental death and dismemberment claim has been denied, you do not have to take the insurance company’s word for it. 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.
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Contact Our Skilled Accidental Death & Dismemberment Attorney Today
Contact our skilled accidental death & dismemberment attorneys in Tampa today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our over 50 years of combined experience to work for you.