Life Insurance & Insurance Disputes
Fighting Denials and Bad Faith
When Insurance Companies Refuse to Pay
Insurance is supposed to be there when life takes a turn—whether it’s a life insurance payout after a loved one’s death, long-term disability benefits, or coverage for urgent medical treatment. Unfortunately, some insurance companies focus on protecting their bottom line, not honoring their promises. They may delay, deny, or underpay valid claims. For families across Maryland and Washington, D.C., that can mean losing financial stability at the worst possible time. Our team steps in when insurers don’t keep their word, fighting to get you every benefit you’re owed.
Types of Insurance Disputes We Handle
We represent policyholders in a wide range of disputes, including:
Life Insurance Claim Denials
Challenging denials over alleged misrepresentations, lapse disputes, or contested causes of death.
Accidental Death & Dismemberment (AD&D) Denials
Fighting exclusions and technical defenses insurers use to avoid paying.
Health Insurance Claim Denials
Disputes over “not medically necessary” rulings or wrongful denial of covered procedures.
Disability Insurance Denials
Including employer-provided ERISA plans and private disability policies.
Property Insurance Disputes
Wrongful denials or lowball offers on homeowners or renters insurance claims.
Insurance Bad Faith
When the insurer’s conduct is unreasonable, deliberate, or deceptive.
Understanding Insurance Bad Faith
Under Maryland law, insurance companies must treat policyholders fairly and evaluate claims in good faith. “Bad faith” goes beyond an honest mistake—it means the insurer is deliberately ignoring the facts, misrepresenting the policy, or dragging out the process without reason. Examples include:
- Denying a claim without investigating.
- Misstating what your policy covers.
- Offering far less than the claim is worth without justification.
- Unreasonably delaying payment to pressure you into giving up.
When bad faith is proven, you may be entitled to more than just your original benefits—you could also recover attorney’s fees, interest, and other damages.
How We Challenge Insurance Denials
Every insurance dispute is different, but our process often includes:
- Policy Analysis – Reviewing the exact language and exclusions.
- Evidence Gathering – Medical records, payment histories, and witness statements to counter the insurer’s reasons for denial.
- Internal Appeals – Particularly in ERISA cases (such as disability claims), where you must exhaust appeal rights before suing.
- Negotiation – Presenting a compelling demand package that shows the insurer we’re ready to litigate.
- Litigation – Filing suit in Maryland state or federal court if necessary, for breach of contract and bad faith.
We know the tactics insurers use, and we tailor our approach to shut down those strategies.
Experience on Both Sides of the Aisle
Our team—including attorneys like Justin Daniel—has experience working within the insurance defense world. That insider perspective helps us anticipate the insurer’s moves and counter them effectively. We’ve successfully reversed life insurance denials, overturned health coverage rejections for critical treatment, and forced disability insurers to pay long-overdue benefits.
Why Choose Us for Insurance Disputes
- Direct Access to Your Lawyer – You speak directly with the attorney handling your case, not just staff.
- Track Record Against Big Insurers – We’ve gone up against major national carriers and won.
- Fee Structures that Work for You – Many cases are handled on contingency or hybrid fee arrangements.
- Relentless Advocacy – We know what’s at stake for you, and we treat your fight as our own.
Free Case Evaluation
Get Help with Your Denied Claim
Don’t give up just because the insurance company said “no.” If your life insurance, disability, health, or property claim has been denied or delayed, contact us for a consultation. We’ll review your policy, assess the denial, and lay out your best options. Insurance companies count on people walking away—we make sure you stand your ground.