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New York City Life Insurance Lawyers
New York City Life Insurance Lawyers – Denied, Delayed & Disputed Claims. Experienced Legal Help for Life Insurance Beneficiaries in NYC
Losing a loved one is difficult enough without the added stress of a denied, delayed, or disputed life insurance claim. If you are struggling to recover benefits from a life insurance policy in New York City, the Law Offices of Jason Turchin may be able to help. Our NYC Life insurance lawyers have experience assisting beneficiaries in challenging wrongful denials, delays, and complex beneficiary disputes.
We understand that insurance companies often prioritize profits over policyholders. If your claim has been unfairly denied or delayed, contact us for a free consultation at (800) 337-7755. You won’t pay any fees or costs unless we win or settle your case.
Common Life Insurance Claim Issues in New York City
Life insurance is supposed to provide financial security after a loved one’s passing, but insurers sometimes refuse to pay or delay claims for various reasons. Here are some of the most common issues beneficiaries face:
1. Life Insurance Claim Denials in NYC
Insurance companies may deny a claim for reasons such as:
- Alleged Material Misrepresentation – The insurer claims the policyholder failed to disclose medical conditions or lifestyle risks on the application.
- Non-Payment of Premiums – The company argues the policy lapsed due to missed payments.
- Contestability Period Denial – If the insured passed away within the first two years of the policy, the insurer may investigate and deny the claim based on alleged fraud or omissions.
- Exclusions – Some policies exclude coverage for suicide, high-risk activities, or other specific causes of death.
2. Delayed Life Insurance Claims in NYC
Insurance companies may delay claims unnecessarily, leaving beneficiaries waiting months—or even years—for payment. Common causes of delays include:
- Ongoing investigations into the cause of death.
- Disputes over policy language or coverage exclusions.
- Waiting for additional documentation, such as medical or autopsy reports.
3. Life Insurance Beneficiary Disputes in New York City
Sometimes, multiple people claim they are entitled to the same life insurance benefits. Disputes may arise due to:
- Competing Beneficiaries – Ex-spouses, children, or other relatives may contest who is entitled to receive benefits.
- Last-Minute Beneficiary Changes – If a policyholder changed the beneficiary close to their passing, questions about undue influence or fraud may arise.
- Interpleader Lawsuits – The insurance company may file a lawsuit asking the court to decide who should receive the policy proceeds. An interpleader lawsuit is where multiple claimants make a claim to the same policy.
How Our New York City Life Insurance Lawyers Can Help
If you are dealing with a denied, delayed, or disputed life insurance claim in NYC, we may be able to:
✔ Review the denial letter and identify legal strategies to fight the decision.
✔ Gather evidence, such as medical records, payment history, and policy documents, to support your claim.
✔ Negotiate with the insurance company for a fair resolution.
✔ File a lawsuit if the insurer is acting in bad faith.
Our legal team can handle life insurance cases in all five boroughs of New York City, including Manhattan, Brooklyn, Queens, the Bronx, and Staten Island.
Frequently Asked Questions About Life Insurance Claims in NYC
What Should I Do If My Life Insurance Claim Is Denied in NYC?
If your claim is denied, you should:
- Request a written explanation from the insurance company.
- Review the policy terms to understand the reason for denial.
- Gather any supporting documents (medical records, payment history, etc.).
- Contact a New York City life insurance lawyer to discuss your legal options.
How Long Do I Have to Challenge a Life Insurance Denial in New York?
In New York, the statute of limitations for challenging a life insurance denial depends on the claim type. Most breach-of-contract claims must be filed within six years. However, some policies have internal deadlines, so it’s important to act quickly.
Why Would an Insurance Company Delay a Life Insurance Claim?
Common reasons for claim delays include:
- The insurer requests additional documents.
- The claim is under review due to the contestability period.
- The cause of death needs further investigation.
- A beneficiary dispute exists.
If your claim is taking too long, a life insurance lawyer may be able to speed up the process.
What Is a Life Insurance Interpleader Lawsuit?
An interpleader lawsuit occurs when multiple people claim the same benefits, and the insurer asks a court to decide who should receive the funds. If you are involved in an interpleader case, an attorney can help protect your rights.
Can a Former Spouse Still Receive Life Insurance Benefits in NYC?
New York law typically automatically revokes an ex-spouse’s beneficiary status after divorce, unless:
• The policyholder specifically reaffirmed the ex-spouse as the beneficiary after the divorce, or the divorce decree required the policy to remain with the ex-spouse as beneficiary.
• The policy is governed by ERISA, a federal law that overrides state revocation rules.
A lawyer can help determine whether an ex-spouse is still entitled to benefits. There may be other exceptions.
How Much Does It Cost to Hire a Life Insurance Lawyer in NYC?
At the Law Offices of Jason Turchin, you won’t pay any fees or costs unless we win or settle your case. Our contingency fee arrangement allows beneficiaries to pursue their rightful benefits without upfront expenses.
Get Help With Your New York City Life Insurance Claim Today
If you are facing a denied, delayed, or disputed life insurance claim in New York City, we may be able to help you recover the benefits you are owed. Contact the Law Offices of Jason Turchin today for a free consultation at (800) 337-7755.