McDermott Law, LLC
4600 S. Ulster Street,
Suite 800
Denver, CO 80237


Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance

Disputes Related to Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance

Claims related to life insurance and accidental death and dismemberment (AD&D) are often denied. The basis for such denials often involves improper enrollment in an insurance plan, improper beneficiary designations, or disputes about whether a death or dismemberment (loss of an extremity) was an accident.

Other common problems relate to “conversion.” When someone has life insurance through his or her job, he or she may be able to switch the policy from a group plan to an individual policy when that person leaves the job.

Premium Waivers

Many life or AD&D insurance policies allow you to obtain a “premium waiver” if you become disabled while the life or AD&D coverage is in force. In other words, you do not pay the premium so long as you are disabled and unable to work.

The Importance of Acting Quickly

Like other types of insurance, you can often buy life or AD&D coverage through work, which means that these claims will also be governed by ERISA. If so, your claim may be governed by very short deadlines; therefore, it is important to act immediately when a claim is denied.

If your Life Insurance or Accidental Death and Dismemberment (AD&D) claim has been denied or you believe that it will be given the delays you are experiencing, give the Denver life insurance attorneys at the McDermott Law a call for a free no obligation consultation.

We assist clients in all of Colorado, the Rocky Mountain region, and throughout the United States.


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