Pennsylvania Life Insurance Claim Denied Attorney
Pennsylvania is among the top five life insurance markets in the United States, with approximately $6 billion in annual death benefit payments. Kadetskaya Law Firm, LLC is a Pennsylvania-licensed law firm that has represented hundreds of life insurance beneficiaries in denied and delayed claims since 2012.
We know Pennsylvania life insurance law. We know Pennsylvania courts and federal courts in the Eastern, Middle, and Western Districts of Pennsylvania. And we know the tactics Pennsylvania insurers use to deny valid claims.
Call (888) 510-2212 for a free consultation.
Pennsylvania Life Insurance Statistics
Pennsylvania ranks among the top five states nationally for annual life insurance death benefit payments. With an industry-wide 10 to 20 percent denial and delay rate, thousands of Pennsylvania beneficiaries face wrongful denials every year. As a Pennsylvania-based firm, we are positioned to handle those cases directly.
Pennsylvania Lapse Law
Pennsylvania requires insurers to provide a 30-day grace period before a life insurance policy lapses for non-payment of premiums. Insurers must send proper notice before declaring a policy lapsed. If the insurer failed to follow required notice procedures, or if the insured died during the grace period, the denial may be wrongful.
Pennsylvania Misrepresentation Standard
Under Pennsylvania law, an insurer may void a life insurance policy based on misrepresentation only if the misrepresentation was material to the risk — meaning it would have changed the insurer's decision to issue the policy or the premium charged. Pennsylvania courts have recognized that not every inaccuracy on an application justifies rescission. The misrepresentation must have been significant and the insurer must have relied on it.
Pennsylvania Divorce and Life Insurance — Automatic Revocation
Pennsylvania is among the states with an automatic revocation upon divorce statute. Under Pennsylvania law, divorce revokes a beneficiary designation in favor of a former spouse, treating the ex-spouse as having predeceased the insured. However, this statute does not apply to ERISA-governed employer policies, FEGLI, SGLI, or VGLI — all of which are governed by federal law.
Our firm has extensive experience in ERISA cases inPennsylvania, where the automatic revocation statute does not apply and ex-spouses may retain their beneficiary rights despite a divorce.
Pennsylvania Accidental Death Exclusions
Pennsylvania courts construe insurance policy exclusions narrowly and in favor of coverage when policy language is ambiguous. An insurer applying an accidental death exclusion must demonstrate clearly that the exclusion applies to the specific facts of the death. Our firm has recovered accidental death benefits in Pennsylvania cases where insurers improperly applied drug, sickness, and intoxication exclusions.
Our Home State — We Fight for Pennsylvania Beneficiaries Every Day
Kadetskaya Law Firm, LLC is located at 630 Freedom Business Center Drive, 3rd Floor, King of Prussia, PA 19406. We are licensed in Pennsylvania and have represented Pennsylvania beneficiaries in every type of life insurance dispute since 2012.
Call (888) 510-2212 or email info@life-insurance-lawyer.com for a free consultation.
---