Manhattan Life Insurance Lawyers

Manhattan Life Insurance Lawyers – Help for Denied, Delayed & Disputed Claims

Fighting for Life Insurance Beneficiaries in Manhattan

Life insurance is supposed to provide financial support when you need it most. But what happens when your claim is denied, delayed, or tied up in legal disputes? If you’re dealing with a life insurance claim problem in Manhattan, you’re not alone—insurance companies deny claims more often than you might think.

At The Law Offices of Jason Turchin, we’ve helped beneficiaries fight back against wrongful claim denials, endless delays, and legal disputes over policy benefits. Whether you’re up against a major insurance company, dealing with a complex beneficiary dispute, or simply trying to get answers about why your claim hasn’t been paid, we may be able to help.

📞 Call (800) 337-7755 for a free consultation. You won’t pay any fees or costs unless we win or settle your case.

Why Are Life Insurance Claims Denied in Manhattan?

Insurance companies don’t just hand over money without a fight. They often look for reasons to deny claims—and if you don’t push back, they may get away with it. Here are some common reasons claims get rejected:

1. “Material Misrepresentation” on the Application

If the policyholder didn’t disclose a medical condition or lifestyle habit (like smoking), the insurance company may claim fraud and refuse to pay. But here’s the thing—not all omissions are legitimate grounds for denial. If the “misrepresentation” had nothing to do with the cause of death, the insurer may be acting in bad faith.

2. Policy Lapse Due to Missed Payments

Insurance companies may say the policy lapsed because the policyholder missed a payment—but did they send the required notices? New York law requires insurers to give proper warning before canceling a policy. If they didn’t, the denial could be challenged.

3. Death Within the Contestability Period

If the insured passed away within the first two years of the policy, the insurer may conduct a full review of the application and look for reasons to deny the claim. This doesn’t always mean they can legally refuse payment—just that they’ll try harder to find a reason.

4. Beneficiary Disputes

Life insurance claims can get complicated when multiple people claim the same benefits. Common disputes include:

• Ex-spouses vs. current spouses
• Children vs. other relatives
• Claims of last-minute beneficiary changes

When this happens, the insurer may refuse to pay anyone until the dispute is resolved, often through a lawsuit.

Why Are Life Insurance Claims Delayed?

Sometimes, the insurance company doesn’t outright deny a claim—it just drags the process out for months (or even years). Common excuses include:

• Ongoing policy review (even when there’s no real issue).
• “Waiting for documents” they never actually requested.
• Investigating the cause of death, even when the death certificate is clear.

If your claim is stuck in limbo, an experienced life insurance lawyer in Manhattan may be able to push the insurer to act—or take legal action if they continue to stall.

What Happens If There’s a Life Insurance Lawsuit?

When a life insurance claim is contested, it may end up in court. There are two main types of life insurance lawsuits:

1. Interpleader Lawsuits

If multiple people claim the same policy benefits, the insurance company may file an interpleader lawsuit and let the court decide who gets paid. These cases often involve:

• Divorced spouses fighting over benefits
• Multiple family members claiming to be the rightful beneficiary
• Disputes over handwritten changes to a policy

2. Bad Faith Lawsuits Against Insurance Companies

If an insurer unfairly denies or delays a valid claim, they could be acting in bad faith. If this happens, a lawsuit may be necessary to:

• Force the insurance company to pay the claim
• Recover interest and penalties for the delay
• Hold the insurer accountable for violating New York insurance laws

How a Manhattan Life Insurance Lawyer Can Help

Navigating a life insurance claim dispute isn’t easy, especially when insurance companies have teams of lawyers on their side. Here’s how we help beneficiaries fight back:

✔ Review the denial or delay letter to see if the insurer’s reasoning is legitimate.

✔ Gather evidence to challenge wrongful denials, including medical records and policy documents.

✔ Negotiate with the insurance company to get the claim processed faster.

✔ Take legal action if necessary to recover the benefits owed to you.

We can handle life insurance disputes in Manhattan courts and know how to hold insurers accountable. If you’re facing an uphill battle, you don’t have to go through it alone.

Frequently Asked Questions About Life Insurance Claims in Manhattan

How Long Do Insurance Companies Have to Pay a Life Insurance Claim in New York?

In most cases, insurers must pay within 30 to 60 days after receiving all required documents. If they take longer without a valid reason, they could be acting in bad faith.

What If My Life Insurance Claim Is Stuck in Review?

If your claim has been pending for more than 90 days, it may be time to take action. A lawyer can:

• Demand a written explanation for the delay.
• Push the insurer to speed up the process.
• File a complaint or lawsuit if necessary.

Can a Life Insurance Lawyer Help If There’s a Beneficiary Dispute?

Yes. If multiple people claim the same life insurance proceeds, a lawyer can:

• Represent your interests in negotiations or court.
• Challenge fraudulent or coerced beneficiary changes.
• Defend you if you’re involved in an interpleader lawsuit.

How Much Does It Cost to Hire a Life Insurance Lawyer in Manhattan?

At The Law Offices of Jason Turchin, you won’t pay any fees or costs unless we win or settle your case. We work on a contingency fee basis, meaning we only get paid if you do.

Do I Need a Lawyer for a Denied Life Insurance Claim?

If your claim has been denied, delayed, or disputed, a lawyer can help you appeal the denial, negotiate a settlement, or file a lawsuit if necessary. Insurance companies don’t always play fair—having an attorney on your side can level the playing field.

Talk to a Manhattan Life Insurance Lawyer Today

If your life insurance claim has been denied, delayed, or disputed in Manhattan, don’t wait to take action. The sooner you fight back, the better your chances could be of recovering the benefits you deserve.

📞 Call (800) 337-7755 for a free consultation today. We’re here to help.