Practice Areas

Welcome to the Practice Areas section of the Law Offices of Jason Turchin, where we handle in a wide range of life insurance claim services. At the life insurance lawyers at the Law Offices of Jason Turchin, we understand the complexities and nuances of life insurance law, and our experienced team is dedicated to helping you navigate every aspect of your claim. Whether you’re dealing with a denial, a delay, or a dispute, our goal is to ensure you receive the benefits you are rightfully owed.

Our Comprehensive Life Insurance Claim Services

Our practice areas are meticulously designed to cover most facets of life insurance claims. Each area is handled by our experienced life insurance lawyers who handle life insurance law, ensuring knowledgeable and targeted legal representation.

Claim Denials

When an insurance company denies a life insurance claim, it can leave beneficiaries feeling helpless and unsure of what steps to take next. Our attorneys have experience fighting challenging denials and can help you understand the reasons behind the denial, gather necessary evidence, and try to effectively appeal the decision.

Common Reasons for Denials:

• Non-disclosure of medical conditions
• Lapsed policy due to non-payment
• Allegations of fraud or material misrepresentation
• Exclusions cited in the policy terms

Claim Filing Help

Navigating the process of filing a life insurance claim can be daunting, especially during a time of grief. Our firm provides comprehensive assistance in filing claims, helping to ensure that all necessary documentation is accurately and promptly submitted. We guide beneficiaries through every step of the claims process, from initial notification of the insurer to final resolution. Our goal is to alleviate the administrative burden on families, allowing them to focus on healing while we handle the complexities of the claim and try to prepare to defend against any potential claim denial or dispute.

Estate As Beneficiary

When a policy owner dies without a living primary or contingent beneficiary, their estate may become the beneficiary. This can open up a myriad of complex legal issues, including Will issues and intestate situations. Sometimes, it may be more straight forward where the family needs legal support to set up the estate and make the life insurance claim.

Former Spouse Claims

Life insurance claims involving former spouses can present unique challenges, particularly when policy details or beneficiary designations are disputed. We have extensive experience in resolving such disputes, whether the death of the insured arises during divorce proceedings or after, and whether the policy is a private life insurance policy or a federal or employer policy, as each may have different legal ramifications. Our attorneys can provide strategic advice to ensure that our clients’ rights are protected and that the life insurance proceeds are distributed fairly and in accordance with the law or valid legal documents.

Slayer Statute Claims

In instances where a beneficiary is legally prohibited from receiving benefits due to causing the death of the insured, known as “slayer statute” cases, navigating the legal landscape becomes particularly complex. Our firm has a thorough understanding of the nuances of these statutes and can provide legal representation to ensure that the life insurance proceeds are distributed to rightful alternative beneficiaries. We can work diligently to uphold the integrity of the policy’s intentions while adhering to state and federal laws. These cases often arise when there is an allegation that someone killed another and was listed as beneficiary on their life insurance policy, pension or other assets.

Life Insurance Interpleader Lawsuits

When multiple parties claim entitlement to the same life insurance proceeds, insurers may initiate an interpleader lawsuit to resolve the dispute. Our attorneys have experience representing clients in interpleader actions, fighting their claims to the life insurance benefits in court. We can handle all aspects of the litigation process, from filing responsive pleadings to representing our clients’ interests at trial, fighting to hopefully ensure that the rightful beneficiaries receive their proceeds.

Life Insurance Claim Appeals

If a life insurance claim is denied, our firm can assist beneficiaries in appealing the decision. We can meticulously review the insurer’s reasons for denial, gather additional evidence, and construct a strong appeal that addresses any issues cited by the insurance company. Our approach is tailored to each client’s specific situation, leveraging our understanding of life insurance law to fight to hopefully overturn unjust claim denials and secure the benefits our clients are entitled to.

Non-Payment of Premium Denials

Life insurance claims are sometimes denied due to alleged non-payment of premiums, leading to policy lapse. Our legal team can help beneficiaries contest these denials, particularly in cases where there might have been an administrative error or extenuating circumstances preventing payment. We can investigate the history of premium payments, advocate for reinstatement of lapsed policies when appropriate, and help ensure that our clients’ rights under the policy are fully enforced.

Policy Disputes

Disputes over the terms of a life insurance policy or its interpretation can significantly complicate the claims process. Our legal team has experience in both negotiating and litigating these disputes, fighting to help ensure that the policy is interpreted fairly and aligns with the policyholder’s true intentions. Common types of policy disputes we handle include issues related to beneficiary designations, coverage amounts and terms, and eligibility issues.

Delayed Claims

Experiencing delays in the processing of life insurance claims can create significant financial and emotional stress for beneficiaries. Our firm strives to tackle these delays head-on, working diligently to try and expedite the review process and pressuring insurance companies to fulfill their obligations promptly. Our strategies to handle delays include direct negotiations with insurers, taking legal action to enforce claim processing deadlines, and filing a life insurance lawsuit if necessary.

ERISA Life Insurance Claims

Life insurance claims that fall under the Employee Retirement Income Security Act (ERISA) pose unique challenges due to the specific federal laws and regulations that govern them. Our attorneys have experience in navigating the ERISA landscape and are equipped to help you overcome these challenges. We handle ERISA claims by understanding ERISA preemptions, managing the administrative appeal process effectively, and, if necessary, litigating in federal court to protect your interests. ERISA disputes often occur in former spouse claims since they may fall outside of common state laws.

Federal Employees’ Group Life Insurance (FEGLI) Claims

Handling claims for former federal employees often involves navigating specific procedures and regulations unique to the Federal Employees’ Group Life Insurance Program. Our team is well-versed in these regulations and can provide guidance to beneficiaries. We offer support in FEGLI claims, including advice on claim filing procedures, assistance with disputes over FEGLI benefits, and representation in cases of denied claims. Our goal is to ensure that federal employees and their families receive the benefits they are entitled to under this program.

Why Choose the Law Offices of Jason Turchin?

Choosing the right legal team is critical when dealing with life insurance claims. At the Law Offices of Jason Turchin, you benefit from:

• Legal Knowledge: Our attorneys have a deep understanding of both state and federal life insurance laws.
• Experience: With years of life insurance claim handling, our team can handle a wide range of life insurance disputes.
• Empathy: We recognize the sensitive nature of life insurance claims and provide compassionate support throughout the process.

Connect With Our Life Insurance Lawyers

If you are facing challenges with a life insurance claim and need expert legal assistance, don’t hesitate to contact the Law Offices of Jason Turchin. Chat with our agents or call us directly to schedule a consultation. Our team is here to help you secure the benefits you and your loved ones deserve.