Life Insurance Lawyers You Can Trust
You Only Pay When We Win.
Life Legal is a modern, innovative firm that protects you against the unfair claims practices of life insurance companies, helps you get the money you are lawfully owed, and minimizes your stress.
Life Legal founding Partner Taylor Gerchman is a young, motivated attorney who has dedicated her career to helping people who need legal services related to life insurance, accidental death and dismemberment insurance, critical and chronic care benefits, and accelerated death benefits.
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What our life insurance lawyers can do for you.
At Life Legal, we live by three values that we put into action in everything we do. These values are:
- Providing honest and reliable legal advice
- Using clear and consistent communication
- Zealously advocating for the rights of our clients
We understand that our clients come to us during some of the most difficult times of their lives. You may be dealing with the loss of a loved one, financial hardship, and more, so we go the extra mile every day to ensure you have all of the information you need to move forward and thoroughly understand your options.
The team at Life Legal is here to help you navigate the claims process and stand up to the powerful interests that can take advantage of you. When you’re a Life Legal client, you will always know the status of your case, be kept informed about new developments, and have direct contact with your attorney.
We Can Represent You In The Following Areas
As life insurance claim lawyers, we help our clients maximize what they’re due under the terms of the policy. A life insurance policy is a contract that spells out your legal rights per the document. When a life insurance company denies, delays, or stops communicating, we’ll use our knowledge of the law to make them come to the table and provide everything they’re supposed to under the policy.
Even within the specific practice of life insurance law, there are several different situations that we can navigate on your behalf including:
Life insurance companies often use a blanket denial of a claim for a variety of reasons. They may want to delay the claims process or even hope some people will just give up right away. Without looking at all the facts, life insurance companies can make a quick decision to deny the claim which has real and powerful repercussions for a family still healing after a loss.
If you’ve been denied a rightful life insurance claim, we’ll start building a strong case by doing the legwork that provides real justification for everything you deserve. We present the facts to the insurance company in a way that’s impossible to ignore or they know they’ll see us in court.
Delayed communications, waiting on a claim review, waiting on payment—when our clients are facing an intentionally-slow process, our delayed claims lawyers step in to get the wheels of justice moving in the right direction. We handle all of the communications on your behalf and know the strategies to use to reach an equitable solution that much faster. When you’re a family waiting on the life insurance benefits you were depending on after a loved one passed, finally getting a resolution is such a sweet relief.
ERISA laws are specific to life insurance that an employer provides its employees. These employer-hired life insurance companies operate under a different set of guidelines that our ERISA attorneys know well. We’ll utilize our specific strengths in ERISA life insurance claims to ensure our clients are getting the best recovery possible for the benefits they’re due. Whether you are an employee arguing it out with your employer’s life insurance company, or you are a beneficiary, our team can represent you every step of the way.
With life insurance beneficiaries, there are so many different ways that disputes can arise. There may be outright fraud or forgery, questions of mental capacity, divorce disputes, improperly executed beneficiary changes, and other situations that can require an insurance beneficiary dispute attorney. Our team can examine the facts at hand and help beneficiaries maximize their recovery of life insurance plan benefits.
Life insurance companies are acting in bad faith when they delay or deny a claim without any justifiable reasons. In our time as life insurance claims attorneys, we’ve seen so many different tactics that the insurance company tries to use to minimize the payout of justified claims monies. When your life insurance company isn’t giving you a fair experience, our team can step in to be your advocate. We’ll shoulder all of the costs and you only pay our fee if we win your case.
Above & Beyond.
Our insurance claim attorneys deal with the insurance company so you don’t have to.
Few life insurance policy holders or their beneficiaries thoroughly understand how life insurance companies evaluate claims, which often leads them to quickly accept a company’s claim denial. Some beneficiaries may attempt to appeal the denial only to find that there’s a limit to the number of appeals they can submit.
For the best chance of success in obtaining the life insurance benefits you rightfully deserve, work with an insurance denial attorney who has the resources and experience to fight for you. We understand how and why insurance companies deny or delay claims and how to protect you and your family from a company’s bad–faith practices. Our insurance dispute lawyers are here to relieve you of the burden of trying to negotiate with your insurance company.
Contact us immediately if:
- You live in Pennsylvania and have had your individual life insurance claim denied or delayed.
- You are anywhere in the U.S. and have had your ERISA life insurance or long-term disability insurance claim denied or delayed.
You can reach Life Legal by phone or email, or by filling out our contact form. Just let us know how and when you prefer to be contacted, and we’ll be in touch as soon as we can.
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Fees & Services.
Life Insurance Claim FAQs
It’s common for insurance companies to deny claims and for claimants who have no legal background to not fully understand the reason for the denial. In addition, life insurance policies are contracts, and they contain insurance industry and legal terminology that’s not always clear.
A life insurance denial attorney can help increase your chance of a successful appeal. At Life Legal, we can evaluate your case to determine that you have a valid claim, then go to work on your behalf to help you get the benefits you legally deserve. Life insurance denial cases can be complicated, so it’s smart to have our expertise on your side.
A life insurance company can and will deny a claim, and do so in multiple ways. The company may take advantage of loopholes in your insurance policy (which is a legally binding contract), or look for reasons to exclude coverage in the original policy application. It may also deny a claim based on more clearly valid reasons, such as unpaid policy premiums or if the death occurred due to illegal activities or other situations spelled out in the policy as exclusions.
When the insurance company’s refusal to pay a death claim isn’t clear, you should consider consulting with a life insurance attorney for guidance.
There’s no one answer to this question, and any reputable life insurance lawyer will not give you a guarantee of success, but we can tell you that a case that will resolve without litigation may take between three and six months. If litigation is needed, it may be a year or more due to backlogs in the courts.
We begin our work for you by collecting all of the relevant information via a letter of representation to the insurer requesting the entire claim file related to the policy in question. We then use that information to find the relevant case law in the governing jurisdiction that will support the payment of benefits for you.
Once we’re confident that we’ve found sufficient law to support our position, we send a comprehensive appeal letter to the insurance company. If the company refuses to overturn their denial, we’ll review all of your viable options with you, which may include litigation, a secondary appeal, the collection of additional information, and more.
We work with you on a contingency fee basis, which means that Life Legal doesn’t get paid unless our life insurance attorneys recover money on your behalf.
Any costs associated with the collection of medical records, hiring experts, or filing fees will be covered by Life Legal and then recouped from the sum we recover on your behalf along with our contingency fee. If we don’t recover any money on your behalf, we don’t get paid and we don’t collect the expenses incurred in pursuing your claim.
Thanks to the multiple ways we now have to quickly, safely, and efficiently communicate with our clients, such as via Zoom, email, and telephone, a formal consultation isn’t necessary. We would be happy, however, to schedule one if it makes you feel more comfortable as you begin to work with us.
It’s important to us to keep you informed of any substantial update on your case because we know how important it is to you. We do our very best to make sure you’re up-to-date on your case, but we welcome you to call, text, or email us with your questions at any time.
Aside from signing a few documents along the way and responding to our calls or emails, there will be little involvement on your part. We are, though, glad to handle your case in a more collaborative way if you wish to be more involved in the process.
Insurance companies usually send benefit checks to our office via certified mail. Once we’ve received it, we will subtract the costs that were incurred and our contingency fee, then send your portion of the funds to you via certified mail.
Here are just some of the reasons to work with Life Legal:
- We successfully recover hundreds of thousands of dollars on behalf of clients who have been wrongfully denied life insurance benefits.
- We are one of the very few law firms in the country that focuses solely on life insurance issues and that has an exceptional level of specific expertise in ERISA life insurance matters.
- Our firm is client-centered: We keep you up to date on significant developments in your case, our case strategies are specifically tailored to your desired outcome, and we truly care about that outcome.
If you’d like to know more about our firm and our unique approach to life insurance legal representation, we’ll be glad to answer all of your questions.