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If your loved one was severely injured or killed in a catastrophic accident, the last thing you want to be doing is fighting with the insurance company over a denied claim for benefits. If your accidental death and dismemberment insurance (AD&D) claim was denied, we can help. Our lawyers have the experience to investigate your case, determine whether you’re still entitled to benefits, and fight the insurance company on your behalf.

What Does AD&D Cover?

AD&D insurance pays beneficiaries a set amount of money if their loved one’s death or dismemberment is the direct result of an accident. Many people add AD&D to their life insurance, either as a separate policy or an add-on known as a “rider” to their coverage.

AD&D will pay the policy holder or a beneficiary a certain amount of money if a fatal accident occurs or an accident causes the policy holder to lose his or her:

  • Eyesight,
  • Speech,
  • Hearing, or
  • Limb

There are some exclusions to AD&D coverage, which might include: death during surgery or death caused by a drug overdose, drinking and driving, or other specific situations.

Dismemberment coverage is generally paid on a “per-member” basis, which means the benefits paid depend on the specific injuries the person sustained.

Getting Help with an AD&D Claim Denial

Act immediately if your loved one’s insurance company denied your claim on a valid AD&D policy. Our attorneys have helped many people fight their claim denial and obtain much-needed benefits after their loved one passed away.

We have the experience and knowledge to stand up to the insurance company, make them account for delays and poor business practices, and get you the full amount you deserve. Schedule a free consultation with one of our lawyers to determine whether you have a case.