Life Insurance Denial Attorney
Professional Life Insurance Denial Attorneys Serving Clients Around the United States
At Eric Buchanan & Associates, our experienced life insurance denial attorneys understand the emotional and financial toll of a denied life insurance claim. With many years of experience in insurance law, our team has successfully helped clients across the United States appeal wrongful denials and secure the benefits they deserve. Led by Eric Buchanan, a recognized expert in insurance litigation, we combine firsthand experience, legal expertise, and a client-focused approach to deliver results.
Our firm specializes in handling complex life insurance denial cases, including those involving policy misrepresentations, lapsed policies, or disputes over beneficiary rights. We are committed to transparency, offering free consultations to evaluate your case and guide you through the appeals process with confidence.
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Why Choose Us—Life Insurance Denial Representation You Can Trust
Unparalleled, Specialized ERISA Expertise in Life Insurance: We are a boutique law firm that focuses exclusively on life insurance and disability law, including the critical Employee Retirement Income Security Act (ERISA). We have successfully handled thousands of cases against major national insurance companies, giving us a level of insight few firms can match when challenging a denied life insurance claim.
Nationally Recognized Attorneys Who Educate Our Peers: Our attorneys are seen as leaders in this field. We are frequently invited to teach other lawyers about ERISA and life insurance law at national conferences. When you hire us, you are retaining attorneys who are acknowledged masters of the subject matter.
Proven Success in Changing Life Insurance and ERISA Law: Our success is measurable. We haven’t just won individual cases; we have secured landmark legal decisions that have resulted in improved life insurance and ERISA laws for beneficiaries across the country. We don’t just practice the law; we help shape it.
Strategically Build Your Critical ERISA Administrative Record: The most crucial stage of an ERISA claim, which often governs employer-provided life insurance, is the administrative appeal. We urge you to hire us before this stage because the evidence the court can review closes after a final denial. Our expertise lies in knowing exactly how to properly develop and build this administrative record to give your life insurance claim the best chance of success in federal court.
Maintain High Ethical Standards and Client Trust: Trust is everything. Our firm holds a Superb (10/10) rating on Avvo and is recognized by esteemed attorney peer-review organizations like Martindale-Hubbell. These high ethical and legal ability ratings from both our clients and our peers demonstrate our professional standing and commitment to those fighting a life insurance denial.
We Align Our Interests with Yours Through a Contingency Fee Structure: We believe in the strength of your case and are willing to invest our resources into it. We work on a contingency basis, meaning in most cases, you pay us no attorney fees unless we successfully recover the life insurance benefits for you. We don’t get paid unless you do.
National Representation: While many firms are limited to practicing in a single state or district, we represent clients and beneficiaries all across the country who are facing a life insurance denial.
Common Reasons for Life Insurance Claim Denials
Life insurance companies may deny claims for various reasons, often leaving beneficiaries confused and overwhelmed. Our disability insurance attorneys have extensive experience addressing the following denial reasons:
- Misrepresentation on the Application: Insurers may claim the policyholder provided inaccurate information, such as medical history or lifestyle details.
- Policy Lapse: Claims may be denied if the insurer alleges premiums were not paid on time.
- Exclusion Clauses: Insurers may cite specific policy exclusions, such as pre-existing conditions or high-risk activities.
- Beneficiary Disputes: Conflicts over who is entitled to the policy benefits can lead to delays or denials.
- Contestability Period Issues: If a claim is filed within the first two years, insurers may scrutinize the policy for errors.
Our life insurance denial attorneys meticulously review your policy and denial letter to identify errors or bad-faith practices by the insurer. We leverage our deep knowledge of insurance law to build a strong case for your appeal.
How Our Life Insurance Denial Lawyers Can Help
Navigating a life insurance denial can be daunting, but you don’t have to face it alone. At Eric Buchanan & Associates, we provide comprehensive legal support, including:
- Policy Review: We analyze your insurance policy and denial letter to uncover grounds for appeal.
- Evidence Gathering: Our team collects medical records, witness statements, and other documentation to strengthen your case.
- Negotiation with Insurers: We engage with insurance companies to resolve disputes efficiently, often without litigation.
- Litigation Support: If necessary, our attorneys are prepared to take your case to court, advocating fiercely for your rights.
- Personalized Guidance: Every case is unique, and we tailor our approach to meet your specific needs.
Our proven track record includes recovering millions in benefits for clients nationwide. We work on a contingency fee basis, meaning you pay nothing unless we win your case.
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Meet Attorney Eric L. Buchanan
Eric L. Buchanan is the President and Partner of Eric Buchanan & Associates, recognized as a national authority specializing exclusively in complex ERISA and life insurance denial law. His profound legal expertise is underpinned by his background as a decorated U.S. Navy officer and naval aviator, coupled with his academic success as a Magna Cum Laude graduate of Washington and Lee University School of Law. Demonstrating his recognized authority, he holds the highest peer ratings, teaches other attorneys nationwide on subjects including challenging denied life insurance claims, and has achieved landmark legal decisions that improve insurance laws for beneficiaries. The firm’s commitment to their clients is reflected in its national representation capabilities and a contingency fee structure, ensuring families across the country receive specialized, results-driven legal counsel focused on strategically developing the critical administrative record necessary to overturn a wrongful life insurance denial.
Why Trust Eric Buchanan & Associates with Your Denied Life Insurance Claim?
Choosing the right attorney when you’ve been denied life insurance benefits can make all the difference. Here’s why beneficiaries rely on our firm to challenge the insurer:
- Decades of Relevant Experience: Our attorneys possess decades of combined experience specifically challenging major insurance companies in life insurance denial cases. This specialized background means we understand the common reasons for denial (e.g., misrepresentation, lapse, ERISA issues) and how to successfully fight them.
- Verified Legal Expertise: Firm founder Eric Buchanan has held the Martindale-Hubbell “AV” rating since 2007, an independent, peer-reviewed recognition for the highest level of professional excellence and legal ability in his field.
- Proven Authority in Complex Disputes: We are widely recognized by peers and clients for our thorough, detail-oriented approach and a record of achieving successful outcomes in complex life insurance disputes, including those governed by ERISA.
- Committed to Trust and Integrity: We prioritize clear communication, strict ethical practices, and client satisfaction, ensuring you are informed and respected throughout the entire process. This commitment is reflected in our many 5-star client reviews.
Our firm is dedicated to upholding the highest standards of integrity and providing the aggressive, yet compassionate, professional representation needed to recover the benefits your family deserves.
Frequently Asked Questions About Life Insurance Denials
Can I appeal a life insurance denial?
Yes, most denials can be appealed, especially if the insurer acted in bad faith or misinterpreted the policy. Our attorneys can guide you through the process.
How long do I have to appeal a denial?
The deadline varies by state and policy, typically ranging from 60 days to a year. Contact us immediately to avoid missing critical deadlines.
What does a life insurance denial attorney cost?
At Eric Buchanan & Associates, we offer free consultations and work on a contingency fee basis—you only pay if we recover your benefits.
Contact Our Life Insurance Denial Attorneys Today
Don’t let an unfair denial prevent you from receiving the benefits you’re entitled to. Our experienced team at Eric Buchanan & Associates is here to fight for you. Contact us today for a free, no-obligation consultation to discuss your case.
Call us at 877-634-2506 or fill out our online form to get started.