Lawyer for Denied AD&D Claims

Your AD&D Benefits Were Promised. We Make Sure They Are Paid.

When you are grieving the loss of a loved one or recovering from a life-altering injury, a denial letter from an insurance company adds insult to injury. You trusted your Accidental Death & Dismemberment (AD&D) policy to provide financial security during this critical time. If that promise has been broken, Dabdoub Law Firm is here to restore it.

You are not alone in this fight. Insurance companies frequently deny valid claims to protect their profits, leaving families frustrated and confused. Our experienced accidental death and dismemberment attorneys specialize in challenging these denials. We understand the tactics insurers use and have the expertise to secure the benefits you deserve.

Don't let the insurance company win. Call (800) 969-0488for a free consultation.

Why Families Trust Us With AD&D Claims

We are not a volume firm that settles quickly; we are a specialized law firm built to win. Our attorneys focus exclusively on disability and insurance claims, giving us a depth of knowledge that general practice firms cannot match.

Here is why clients across the nation trust us to appeal AD&D insurance denial decisions:

• AD&D Denials Demand Specialized Strategy: We challenge disputed causes, unfair exclusions, and insurance company tactics—while keeping families informed every step of the way.
• Proven Results Against “Not an Accident” Denials: We challenge insurer tactics used to reclassify deaths and avoid paying AD&D benefits.
• Claims Built to Win — Not Just Appeal: Every case is developed with federal litigation in mind from day one.
• Federal Court Experience When Insurers Refuse to Pay: We are prepared to take AD&D cases to court when appeals fail.
• Your Policy Has a Value. We Pursue It: We don’t push quick settlements. We calculate the total benefits owed under the policy and pursue recovery for the best possible outcome.
• No Upfront Cost, Nationwide Representation: You pay nothing unless we recover benefits. Families represented in all 50 states.

Why Insurance Companies Deny Valid AD&D Claims

AD&D insurance is designed to pay benefits if a death or specific severe injury is the direct result of an accident. However, insurance companies are for-profit businesses. They often utilize complex policy language and broad exclusions to minimize payouts.

Common reasons you may need a denied AD&D claim lawyer include:

• Cause of Death Disputes: The insurer may argue the death was not "accidental" but rather due to natural causes or illness.
• Policy Exclusions: Companies often cite exclusions such as self-inflicted injuries, intoxication, or medical treatment complications to avoid payment.
• Sickness vs. Accident: Insurers frequently try to reclassify an accident as a result of a pre-existing sickness to trigger an exclusion clause.
• Insufficient Evidence: Claims are often denied because the initial medical records or death certificate did not explicitly link the outcome solely to an accident.
• Missed Deadlines: Strict filing deadlines in your policy can result in automatic denials if not managed correctly.

Navigating these challenges alone puts you at a disadvantage. You are up against a corporation with a team of experts dedicated to defending their decision. Dabdoub Law Firm levels the playing field to help you fight AD&D claim denial tactics effectively.

How We Secure Your Benefits

Our process is designed to maximize your benefit outcomes through strategic legal advocacy:

• Thorough Claim Review: We analyze your policy, the denial letter, and medical records to identify the specific errors in the insurance company's decision.
• Evidence Gathering: We work with medical and vocational experts to prove that the death or injury meets the policy’s definition of an accident.
• Strategic Appeals: We draft comprehensive administrative appeals that address every point of contention, ensuring the administrative record is fully stocked with evidence should litigation become necessary.
• Federal Litigation: If the insurer refuses to reverse their decision, we are prepared to file suit in federal court to enforce your rights.

"Dabdoub Law Firm took the weight of the world off my shoulders. After my husband's accident, the insurance company denied our claim immediately. The attorneys at Dabdoub fought back, handled all the paperwork, and got us the full benefit amount. I can't thank them enough." — Verified Client

Frequently Asked Questions

Why was my AD&D claim denied?

Insurance companies may deny AD&D claims for several reasons, including disputes over whether the event was truly accidental, allegations that a policy exclusion applies (such as intoxication, illness, or self-inflicted injury), insufficient evidence in medical records, or missed deadlines for filing claims or appeals.

Can I appeal a denied AD&D claim?

Yes. You have the right to appeal if your claim is denied. The appeals process often involves strict deadlines and specific documentation requirements. It is critical to submit comprehensive evidence and legal arguments with your appeal to increase your chance of success.

How long do I have to appeal an AD&D claim denial?

Most AD&D insurance policies have limited timeframes to file an appeal—often between 60 and 180 days from the date of your denial letter. Missing this deadline can mean permanently losing your right to pursue benefits, so immediate action is essential.

What role does an attorney play in appealing a denied AD&D claim?

An experienced attorney can review your denial letter and policy, gather and present crucial evidence, manage all communications with the insurer, and build a strong, legally sound appeal. If the insurance company still refuses to pay, your attorney can take your case to federal court.

What documentation should I provide when appealing?

You should gather all relevant documents, including the complete claim file, medical records, autopsy and toxicology reports (if applicable), witness statements, accident reports, and correspondence with the insurance company. Your attorney can help identify and obtain the most persuasive evidence for your appeal.

What happens if my appeal is unsuccessful?

If your administrative appeal is denied, Dabdoub Law Firm is prepared to take your case to federal court. Our trial-tested strategies ensure your claim is ready for litigation if necessary.

If you have questions not answered here or want to discuss your denied AD&D claim, contact Dabdoub Law Firm for a free case review. Your peace of mind is our priority.

Act Now: Strict Deadlines Apply

Do not let a denial letter be the final word on your financial security. You have the right to appeal, but time is limited. AD&D policies often have strict deadlines for filing appeals (sometimes as short as 60 days). If you miss these deadlines, you may lose your right to benefits forever.

Dabdoub Law Firm has the expertise to guide you through this complex process. We offer peace of mind by taking the burden off your shoulders and fighting relentlessly for the justice you deserve.

Contact Dabdoub Law Firm today for a free consultation. Let our experienced attorneys review your case and outline the best path forward to recover your benefits.