When Accidental Death Isn’t “Accidental”: How Insurers Use Policy Language to Deny AD&D Claims
Accidental Death and Dismemberment (AD&D) insurance promises financial protection after an unexpected tragedy. These policies are marketed as straightforward—if a person dies or suffers a serious injury due to an...
Understanding the Timeline: What Happens After You File a Long-Term Disability Claim?
Filing a long-term disability (LTD) claim is a significant step toward securing the benefits you need to maintain financial stability during a serious medical challenge. But what happens next can...
How to Respond to a Request for Additional Documentation During the LTD Review Process
If you’ve filed a long-term disability (LTD) claim, receiving a request for additional documentation from the insurance company can feel both stressful and confusing. You may wonder what’s missing, whether...
I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...
Former Client
I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...
Ms. B.
As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...
Dr. S.
My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...
Dr. JM
I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...
Dr. FM
am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...
BT
I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...
Paula R.
I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...
Dr. G.
I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...
Experienced Life Insurance Claims Attorneys in Tampa, Florida
At Disability Insurance Law Group, our Tampa life insurance lawyers represent policyholder beneficiaries nationwide after a loved one has passed away so they can pursue the benefits outlined in their agreement with the insurance company.
Our Hillsborough County life insurance claims attorneys know that insurance companies dispute or deny these critical claims for multiple reasons, including cause of death disputes, policy exclusions, and uncertainty or conflict regarding the rightful beneficiary.
We focus on representing the beneficiaries of life insurance policies because we know those pursuing the claim are experiencing a significant loss and should be using their time to grieve — not fight with an insurance company over a legally binding agreement.
If you are the beneficiary of a loved one’s life insurance policy, we are here to help no matter where you are in the claim process, so you can take the time you need to remember them while we handle the details of your initial claim, dispute response, or denial appeal.
Does Disability Insurance Law Group Handle All Types of Life Insurance Claims?
At Disability Insurance Law Group, our Tampa life insurance lawyers represent individuals and families nationwide whose claims have been disputed or denied by the insurers.
This includes those who are pursuing benefits from the following types of policies:
Final Expense Insurance.
Term Life Insurance.
Universal Life Insurance.
Variable Life Insurance.
Whole Life Insurance.
No matter which type of life insurance your loved one had or which insurance provider underwrote the coverage, you do not have to take the insurance company’s word for what a life insurance policy covers.
We can help outline your loved one’s life insurance policy details and review the coverage to ensure you are pursuing the benefits included in the contract during a free consultation.
Contact our Tampa life insurance claims attorneys today for help.
Need help with an insurance claim?
Call Disability Insurance Law Group 954-989-9000 — we’re ready to fight for you.
Who Does Disability Insurance Law Group Represent?
Our life insurance claims attorneys in Tampa help beneficiaries — no matter where they live in the United States — understand their loved one’s policy so they know exactly what type of benefits they are entitled to from the coverage and what it means to their financial future.
At Disability Insurance Law Group, we represent beneficiaries in all 50 states who are pursuing life insurance claims from the following policyholders’ coverages:
Parents
Parents often purchase life insurance to ensure that their children and surviving spouses have financial security in the event of their death. It can cover everyday expenses, education costs, and mortgage payments.
Breadwinners
Individuals who are the primary income earners for their families often choose life insurance to replace their income and protect their loved ones from financial hardship if they pass away.
Spouses & Partners
Married couples and life partners may have life insurance policies to provide for each other’s financial needs in the event of one’s death.
Single Parents
Single parents rely solely on their income to support their children. Life insurance helps ensure their children are provided for if they pass away.
Homeowners
Homeowners often purchase life insurance to cover their mortgage. This ensures that their family can continue living in the home even if they are no longer there to contribute to the mortgage payments.
Debt Holders
Individuals with significant debts, such as student or personal loans, may use life insurance to cover these debts, preventing the burden from falling on their estate or co-signers.
Business Owners
Business owners use life insurance for various purposes, including funding business buy-sell agreements, providing critical personal insurance, and protecting the business’s financial stability in case of the owner’s death.
Elderly Parents
Adult children may purchase life insurance for their elderly parents to cover funeral or other end-of-life costs.
Retirees
Those ready to put work behind them may use life insurance as a financial tool for estate planning, wealth transfer, or to leave a legacy to their heirs.
Charitable Donors
Individuals wishing to leave a generous gift to a nonprofit organization or charity often substantially use life insurance to donate upon death.
Individuals with Estate Tax Concerns
Life insurance can cover potential estate taxes, ensuring that heirs receive their intended inheritances without high tax liabilities.
Individuals with Final Expenses
Life insurance can cover final expenses, such as funeral and burial costs, relieving loved ones from financial stress during a difficult time.
Life insurance provides financial protection and peace of mind to various individuals and groups upon the policyholder’s death. No matter your relationship with the policyholder, if you are the beneficiary of their coverage, you should be entitled to the benefits promised in its terms and conditions.
At Disability Insurance Law Group, we are committed to providing professional, effective, and compassionate legal representation to families seeking life insurance benefits so they do not have to suffer the additional trauma of fighting with the insurance company over the financial support they depend on.
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