When both an ex-spouse and a current spouse claimed the same life insurance benefit, the insurer froze the payout and threatened an interpleader. In this case study, we explain how HR errors, ERISA rules, and proof of intent helped us secure the benefit for the rightful beneficiary — without litigation.

Many beneficiaries unknowingly make simple mistakes that can delay or jeopardize their life insurance claim. In this guide, you’ll learn the 7 most common errors — and how to avoid them so you can protect your rights and strengthen your claim from the start.

If your loved one’s life insurance claim was denied, you’re not alone — and you have more power than the insurance company wants you to believe. In this post, I walk you through the most important first steps and share my FREE Ultimate Checklist to help you take immediate action and protect your rights.

Employer-sponsored life insurance claims are being denied even after years of paid premiums—often due to missing proof of insurability. Recent investigations into r insurers reveal widespread violations. Learn what beneficiaries can do and how ERISA protects your rights.

What happens when a life insurance beneficiary dies before or after the insured? Our life insurance attorneys explain who gets the payout, how state and federal laws apply, and what to do when the claim is delayed or disputed. Call (888) 510-2212 for a free consultation.

Discover how major U.S. Supreme Court decisions shape life insurance beneficiary rights, ERISA claims, divorce disputes, and federal policy payouts. If your claim was denied or contested, call Kadetskaya Law Firm LLC at (888) 510-2212 for a free consultation.

ERISA requires life insurers to give beneficiaries a “full and fair review” of denied claims—but many insurers violate these rules. Courts are increasingly overturning denials when companies fail to follow ERISA procedures. If your group life or AD&D claim was denied or stuck in limbo, you may have powerful rights to fight back.

Life insurance usually avoids probate—but not always. Learn when policies pay beneficiaries directly, when the payout becomes part of the estate, and how probate affects debts, delays, and disputes. Our life insurance lawyers explain common exceptions and what to do if your payout is being held in probate.

Accidental death (AD&D) policies contain many exclusions that insurers use to deny claims—suicide, drug use, risky activities, illegal acts, misrepresentation, and more. Learn what AD&D policies won’t cover, how exclusions work, and what to do if your accidental death claim was unfairly denied.

Florida has some of the strongest life insurance protections in the country. Learn how Florida life insurance laws handle beneficiaries, divorce, minors, lapses, and denied claims—plus when you may need an attorney to protect your rights.

ERISA Litigation: How to Handle ERISA Lawsuits, Appeals, and Settlements

Many beneficiaries don’t realize that life insurance claims must be filed within specific deadlines—and missing them can jeopardize your right to receive the payout. Every policy has its own rules, and some require action within months of the insured’s death. In this guide, our life insurance attorneys explain how long beneficiaries have to file a claim, what happens if deadlines are missed, and how to protect your rights when insurers delay or deny payment.

ERISA litigation is the final step for beneficiaries whose group life insurance claims were wrongfully denied. Federal courts review whether insurers and employers violated ERISA and whether the denial was lawful. This guide explains how ERISA lawsuits work, what outcomes are possible, and how an ERISA attorney can help you secure the benefits your loved one intended.

Accidental death and AD&D claims are denied every day based on exclusions, toxicology findings, and narrow interpretations of what counts as an “accident.” This guide explains why insurers refuse to pay, how accidental death investigations work, and what steps a life insurance attorney can take to overturn a wrongful denial and recover the benefits your loved one intended for you.

Accidental death benefits are often misunderstood, and insurance companies frequently deny AD&D claims based on narrow definitions of “accident.” This guide explains what counts as accidental death, examples insurers accept, what deaths are excluded, and how a life insurance lawyer can help if your claim is denied or delayed.

If a loved one was murdered and the life insurance company is delaying or denying the payout, you’re not alone. This guide explains when life insurance covers homicide, how the slayer rule affects beneficiaries, why insurers deny murder-related claims, and when to involve a life insurance lawyer to protect your rights and recover the benefits you’re owed.

Many parents name their minor children as life insurance beneficiaries without realizing that insurance companies cannot pay benefits directly to a child. This often leads to delays, probate court involvement, and disputes over guardianship. In this guide, our life insurance attorneys explain how minors can receive life insurance proceeds safely—and how to avoid common legal complications.

California life insurance companies must follow strict notice and grace-period laws before canceling a policy for nonpayment. Many insurers fail to comply, leading to wrongful claim denials. Learn how California’s lapse laws work, what notices must be sent, and how a lawyer can help you recover benefits after a denied lapse claim.

If your life insurance claim was denied, you still have options. Learn why insurers deny claims, how the appeals process works, and the exact steps to fight a denial and recover the payout your family deserves. Discover how a life insurance lawyer can help you overturn an unfair decision.

Life insurance policies include a grace period that keeps coverage active even after a missed premium. Learn how long the grace period lasts, what happens if the insured dies during that time, and what beneficiaries can do if a life insurance claim is denied due to lapse.