Nashville Personal Injury Attorney

A loved one has past away and you make the call to the life insurance policy company, you expect that they will send you a check very quick, then you learn they are investigating your loved ones death to see if the policy is going to be denied, or if they are going to deny your double indemnity portion of the life insurance policy, (double indemnity usually means your loved one has perished by accidental means, and most policies then pay under that portion of the policy, as well as the standard payment for death). There has been much litigation over the years as to what or if the death in many policies was accidental, and or natural, and whether or not the death was suicide.

I am often asked, will it matter where I got my life insurance policy from? The answer is yes, most people purchase a policy through their employer, this is usually referred to as an ERISA policy, (employment retirement income security act). When you have an ERISA policy you then fall under Federal Law, this can have some very important consequences in regards to receiving double indemnity from the policy, there are areas in which state law differs from ERISA law, in regards to life insurance and making a claim for it. I have been involved in an issue where Federal Law differed from state law, and we were successful in recovering the full life insurance policy limit for my client.

There has also been some new language written into non-ERISA life insurance policies where you the individual bought it on your own, and not through work. Unfortunately most people do not understand the fine language of a life insurance policy until it is time to make a claim on it.  There are many reasons an insurance company can deny a life insurance policy and or deny double indemnity.

Should you find that in your time of the need a life insurance policy has been denied, please give us a call at the toll free number (877) 271-2633 or local at (615) 308-2633. We would be pleased to speak with you, and there is no obligation for phoning us. There is never a fee unless we are able to collect for you on the policy.

www.nashvillepersonalinjuryattorneyinfo.com

Daniel L. McMurtry, Esq.