Accidental Death and Dismemberment Attorneys

Dealing with insurance companies can be extremely frustrating, especially when they wrongfully deny your accidental death and dismemberment claim. If you are struggling to obtain the benefits to which you are entitled, the law firm of Willeford & Toledano is here to help.

We will fight back against insurance carriers and will use our decades of experience to get you the benefits you need and deserve.

Contact our New Orleans law office today to schedule your free initial consultation. You may also call our firm directly at 504-322-1488, toll free at 877-281-4789, to discuss your situation.

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AD&D Insurance Claim Denials

There are key differences between traditional life insurance and accidental death and dismemberment insurance. The most important distinction is that insurance companies will not pay benefits if a person died due to natural causes. This distinction, unfortunately, can lead to disputes and result in a wrongful denial of benefits.

Here are a few examples:

  1. A person suffers a heart attack or stroke while driving, causing him or her to crash. While the crash (accidental) might be the true cause of death, the insurance company will likely argue that the medical condition (natural) caused the person to die. The insurance company will probably deny benefits even if the medical event would not have been fatal on its own.
  2. A person is prescribed medication, but accidentally takes the wrong dosage that leads to death. In this instance, the insurance company will likely argue that the person willfully and knowingly took the wrong dosage, yet the individual might have had no intention to commit suicide. The death was an accident, yet coverage is denied.

Accidental death and dismemberment denials can involve private or employer-provided insurance coverage. We will discuss your specific situation and determine whether you should file an ERISA claim or if another option is best suited to achieve your goals.

The Importance of Hiring an Attorney

Accidental death and dismemberment cases are extremely complex and are difficult to win on your own. Insurance companies have significant resources on their side that they will use against you — we are here to level the playing field and get you the benefits you deserve.

Whether you suffered the loss of a limb or the accidental death of a loved one, Willeford & Toledano are ready to fight for your rights and be strong advocates during negotiations or trial.

Representing Clients Nationwide: Contact Our New Orleans Insurance Litigation Law Firm

Please contact our Louisiana AD&D insurance claims lawyers online today to schedule your free initial consultation. We are also available to discuss your situation by phone if you call 504-322-1488, toll free at 877-281-4789.