About Life Insurance Claims

Experienced Counsel in Property, Liability, Health, Life & Disability Insurance Litigation

About Life Insurance Claims Denials

There are specific rules that cover the payment of benefits for life and disability insurance policies. Generally, in life and disability policies, the insurance company cannot contest the payment of benefits, if the policy has been in effect for at least two years. However, if the policy has not been in effect for at least two years, life and disability carriers will attempt to rescind the policy by contending that the insured made material misrepresentations in their insurance policy. This process is called “post-claims underwriting,” which is disfavored by the law. If you are dealing with the rescission of your policy, we may be able to help you. If the person dies after the life insurance policy has been in effect for at least two years, it would be a rare situation where the insurance company did not pay this claim.

However, a disability carrier may still deny a claim after a policy has been in effect for two years by claiming that the insured is not actually disabled. The carrier will challenge the findings by the insured’s own doctor regarding the disability. We have handled both rescission cases and cases involving a dispute regarding the extent of the disability.

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Insurance lawyer Michael L. Cohen

INSURANCE LAWYER MICHAEL L. COHEN HAS OVER 20 YEARS OF LEGAL EXPERIENCE FIGHTING INSURANCE COMPANIES

For over twenty years, Michael Cohen has devoted his practice to assisting individuals and companies in civil lawsuits. With an eye on evening the playing field in the toughest cases against corporations and insurance companies, Michael has also become known as a go to trial attorney that other law firms come to rely on when needing an experienced and successful trial lawyer.

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TYPES OF BAD FAITH INSURANCE CLAIMS

Automobile Insurance
Claims Denial

Business Interruption Insurance
Claims Denial

Commercial Property Insurance
Claims Denial

Disability Insurance
Claims Denial

Fire & Smoke Insurance
Claims Denial

Health Insurance
Claims Denial

Insurance Broker
Negligence

Life Insurance
Claims Denial

Long-term Care Insurance
Claims Denial

Mold and Water Damage Insurance
Claims Denial

Rescission

Residential Property Insurance
Claims Denial

QUESTIONS ABOUT A BAD FAITH INSURANCE ISSUE? ASK MICHAEL L. COHEN.

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