If your life insurance claim in Maryland is denied, it's important to act promptly. Start by reviewing the denial letter to understand the reasons. Check that all required documents are complete and accurate.

Talk to Your Insurance Provider

Contact your insurance company to discuss the denial. Sometimes, errors or missing information can be resolved quickly. Keep records of all conversations for your records.

Seek Legal Advice

If the previous steps do not resolve your issue, you should consult with a Maryland life insurance attorney right away. They can guide you on whether the denial was justified and help with the appeals process.

Submit an Appeal

It is generally advisable to consult with an attorney before you file an appeal. In certain cases, the documents you submit when you file an appeal can become the only ones a company is required to consider. It is important that all required details and documentation are supplied during this stage of the process and that all the insurer's specified procedures and deadlines for submitting appeals are followed precisely. This is why it is a good idea to get help before going down the appeal path on your own.

Facing a denied claim is challenging, but taking these steps can help you pursue the benefits you're entitled to. As always, please feel free to reach out to our office for a free consultation if you or someone you know has had a life insurance claim denied. We are here to help!