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Practice Areas

At the Law Offices of Jason Turchin, our experience spans a broad spectrum of life insurance-related legal services. We understand that navigating life insurance issues can be complex and emotionally taxing, which is why we dedicate ourselves to providing thorough and compassionate legal support in a variety of practice areas for beneficiaries who need help with life insurance claims.

If you have any question on a life insurance claim in Florida, call us at 800-337-7755 today for a free consultation.

Life Insurance Claim Denials

Navigating the murky waters of life insurance claim denials forms a core part of our practice. Often, these denials are due to alleged misrepresentations on the application, policy lapses due to non-payment, or exclusions within the policy terms. Our approach is multifaceted, involving a detailed review of your case, gathering and presenting compelling evidence to counter the denial, and robust representation in appeals. We understand the nuances of insurance law and can work tirelessly to overturn unjust denials, ensuring our clients receive the benefits they rightfully deserve.

Life Insurance Interpleaders

Life insurance interpleaders occur when insurance companies face conflicting claims from multiple parties. Our role in such disputes is to represent our clients’ interests in court, striving for a resolution that honors the policyholder’s intentions. We can help navigate these complex legal waters by providing legal advice, negotiating settlements, and, when necessary, representing our clients in court to ensure a fair and just determination of rightful beneficiaries.

Delayed Life Insurance Claims

Handling delayed life insurance claims is another key area of our experience. We recognize the financial and emotional burden these delays can cause, and thus we engage proactively with insurance companies to try and expedite the process. Our team can work diligently to investigate the causes of delay, fighting to help ensure that your claim is processed promptly and efficiently. If an insurance company is unreasonably delaying your claim, we are prepared to take legal action to enforce your rights.

Life Insurance Claim Filing Assistance

Filing a life insurance claim can be daunting, especially during a time of loss. We provide comprehensive support throughout the claim filing process, from understanding the specifics of your policy to preparing and submitting all necessary documentation. Our team can help ensure that your claim is filed accurately and efficiently, minimizing the chances of delays or denials, and providing you with the peace of mind that comes from knowing your claim is being handled by experienced professionals.

Beneficiary Disputes

Disputes among potential beneficiaries can significantly complicate the life insurance process. We have a great deal of experience in resolving such disputes, whether they arise from ambiguous policy language, contested beneficiary designations, prior spouse claims, or family disputes. Our approach may include negotiation or mediation, where appropriate, and if necessary, litigation, always aiming to reach a resolution that aligns with our client’s interests and the policyholder’s intentions.

Accidental Death and Dismemberment Claims
We are adept at handling claims under Accidental Death and Dismemberment (AD&D) policies, which often require a unique understanding of policy terms and the nuances of what constitutes ‘accidental death’ or ‘dismemberment’. Our team assists clients in navigating these complex claims, helping to ensure that they receive the benefits they are entitled to under these specialized policies.
Insurance Bad Faith Litigation
Our firm can stand up for clients who face bad faith practices from insurance companies. This includes situations where insurers unreasonably delay claims, deny claims without a valid basis, or fail to disclose policy limitations. We are committed to holding these companies accountable, providing our clients with the aggressive representation needed to secure the compensation and justice they deserve.
Life Insurance Claim When There Is No Beneficiary Listed
Navigating a life insurance claim without a listed beneficiary can be a complex situation. Generally, when a policyholder fails to designate a beneficiary, or if the named beneficiary predeceases the policyholder and no contingent beneficiary is named, the proceeds of the life insurance policy typically become part of the policyholder’s estate.

Key Points to Understand:

1. Estate as the Beneficiary
In the absence of a designated beneficiary, the life insurance proceeds usually go directly to the deceased’s estate and are distributed according to the terms of the will, or if there is no will, in accordance with state intestacy laws.
2. Probate Process
The distribution of these funds will likely go through the probate process, which can be time-consuming and potentially contentious if there are disputes among heirs or creditors.
3. Legal Considerations
It’s often important to consult with a life insurance attorney to navigate this process, as they can help in understanding the specific state laws that will govern the distribution of these assets.
4. Potential Tax Implications
When life insurance proceeds go to the estate, they may become subject to estate taxes, which can impact the amount ultimately received by the heirs.
5. Possible Creditor Claims
If an estate receives assets, it is possible that the decedent’s creditors could try and make a claim to it. A life insurance attorney can help navigate the creditor process to try and minimize creditor claims.

ERISA Life Insurance Claims

Employee Retirement Income Security Act (ERISA) governs many life insurance policies provided by employers. ERISA life insurance claims have unique characteristics and challenges compared to individual life insurance policies.

Understanding ERISA Claims

1. Preempting State Laws
ERISA is a federal law, and it generally preempts state insurance regulations. This means that ERISA claims are typically processed and litigated under federal law standards, which can be different from those in state laws
2. Filing a Claim
The process typically involves submitting a claim to the plan administrator. If the claim is denied, ERISA generally requires an internal appeals process to be exhausted before taking legal action.
3. Strict Deadlines

ERISA generally has strict timelines for both filing a claim and appealing a denial. It’s crucial to adhere to these deadlines to avoid forfeiting your right to challenge a denial.

4. Limited Legal Recourse
In ERISA cases, the scope for legal recourse is often limited. For instance, claimants may not be entitled to a jury trial, and the ability to recover damages beyond the policy amount can be restricted.
5. Legal Experience Often Required
Given the complexities of ERISA, having legal representation experienced in ERISA claims may be vital. An attorney skilled in this area can navigate the federal guidelines, handle the administrative appeals process, and litigate in federal court if necessary.

Free Consultation With Life Insurance Lawyers

Understanding Our Commitment to You

At the Law Offices of Jason Turchin, we believe that everyone deserves access to legal guidance, regardless of their current financial situation. This is why we offer a free consultation to all our prospective clients. Our free consultation is a no-obligation, confidential opportunity for you to discuss your case with our experienced legal team and understand how we can help.

What to Expect During Your Free Consultation

  • Personalized Attention: You will have the opportunity to speak directly with our staff who will listen to your situation and provide initial insights.
  • Case Evaluation: We can assess the details of your case, including any challenges and the potential for success.
  • Legal Options: Our team can explain your legal options and the possible strategies we can employ.
  • Questions Answered: We can answer any questions you have about the legal process, our services, or next steps.

How to Prepare

To make the most of your free consultation, we recommend gathering any relevant documents, such as insurance policies, denial letters, or correspondence with insurance companies, and preparing a list of questions you might have.
1. How do I know if I have a valid life insurance claim?
A valid life insurance claim typically depends on the policy terms and the circumstances of the policyholder’s death. Validity can be assessed based on whether the death occurred within the policy term and if it falls under the covered causes of death specified in the policy.
If a policyholder lied on their life insurance application, especially about critical information like health issues or risky hobbies, the insurance company might deny a claim based on misrepresentation or fraud. This can be contested if the misrepresentation is unrelated to the cause of death or if the misstatement was not material to the coverage.
Yes, policyholders can usually change beneficiaries after a life insurance policy isissued. It’s important to review and update beneficiary designations periodically, especially after major life events.
Life insurance claims can be subject to denial if the policyholder dies in a foreign country, depending on the policy’s terms. Some policies have geographic restrictions or exclusions for deaths occurring outside the country. However, if your claim was denied, contact a life insurance lawyer to give is another look to see if the denial may be wrong.
Filing a life insurance claim typically involves notifying the insurance company, completing a claim form, and submitting it along with a certified copy of the death certificate and any other required documents.
A life insurance attorney can help in disputed claims by providing legal advice, representing your interests in negotiations with the insurance company, and taking legal action if necessary to ensure you receive the benefits you are entitled to.
If you suspect the policyholder’s death was not accidental, report your concerns to the insurance company. They may conduct an investigation. It’s also advisable to consult with an attorney to explore your legal options. Many states have a Slayer Statute which prevents someone who intentionally kills another from benefitting from their life insurance policy.
Yes, most life insurance policies have time limits for filing a claim, typically within a certain period from the date of the policyholder’s death. It’s important to file as soon as possible to avoid complications.
A personal representative is responsible for managing and distributing the proceeds of an estate according to the will, or the law if no will. This role may involve communicating with the life insurance company and beneficiaries.
Yes, you can often dispute a life insurance claim denial. This process may involve submitting a formal appeal to the insurance company and providing additional evidence or information to support your claim, or filing a life insurance lawsuit. Legal representation can help with the filing of an appeal.