When someone is diagnosed with a critical illness they have enough to deal with without being concerned about financial responsibilities. How is your family going to afford to pay for the day to day costs of living?  The mortgage? Groceries? What about child care? Not having to worry about these issues is exactly why people get critical illness insurance in the first place. 

If your critical illness insurance claim is denied, your family’s financial security becomes a distraction when you should be focusing on your health.  Critical claims are denied for various reasons. Most commonly the insurance company will argue that there was a misrepresentation on the insurance application.  These arguments often include complicated legal language, exclusions, and restrictions in the policy. Make sure you get a lawyer who can explain the issues to you in plain language that you understand. 

Critical illness claims are often denied while the insured are still recovering from their illness, leading to added stress and trauma. Speaking with an experienced team of insurance denial lawyers can give you peace of mind and insight into your options. The lawyers at Taylor & Blair LLP will review your policy and claim application, the facts surrounding your illness, and help you plan your next steps. 

If you receive notice of an insurance claim denial, it’s important to act quickly if you wish to take legal action. There are limitation periods to keep in mind, so please contact us as soon as possible so our team can help you navigate your legal options.