Unfortunately, life insurance companies don’t always pay valid claims, even when the policyholder paid premiums for years. If your loved one’s life insurance claim has been denied, BenGlassLaw is here to help. Our life insurance lawyers serving Pennsylvania can fight back when insurers try to withhold money.
Our team of life insurance claims lawyers has helped recover over $100 million in wrongfully denied insurance claims and benefits for our clients. We know how to take on powerful insurance companies and win. If you’re facing a life insurance denial, we offer free case evaluations.
Why Do You Need the Life Insurance Claims Lawyers at BenGlassLaw?
When a life insurance claim is denied, the financial and emotional stakes are incredibly high. You need a legal team with real experience, transparent pricing, and a deep understanding of how life insurance companies operate.
At BenGlassLaw, here’s why families in Pennsylvania trust us to fight for the benefits they’re owed:
- Over $100 million recovered: Our firm has secured more than $100 million in life insurance and other insurance-related benefits for clients nationwide, including many wrongfully denied claims.
- One–third flat contingency fee: We charge a straightforward, no-surprises fee of one-third of your recovery—no matter how long your case takes or whether it goes to court.
- More than a century of combined legal experience: Our attorneys bring more than 100 years of combined legal experience, with an extensive background in life insurance litigation.
- Free case reviews: We’ll examine your denial letter and policy at no cost to help determine whether the insurer acted unfairly or illegally.
- Helping Pennsylvanians since 1995: For nearly 30 years, we’ve supported families across Pennsylvania with both employer-sponsored (ERISA) and private life insurance claims.
For a free legal consultation call (703) 591-9829
Hire Our Experienced Team of Life Insurance Attorneys
At BenGlassLaw, we understand that life insurance disputes can be complicated and unique to each situation. Our team has a wide range of experience with different types of policies and claim challenges that Pennsylvania residents often face.
Whether your policy is individual or employer-provided, our attorneys are ready to help you navigate the claim process. Here are some of the specialized legal services we offer to clients throughout Pennsylvania:
- Denied life insurance lawyer serving Pennsylvania: If your insurance provider has refused your claim due to alleged errors on your application, exclusions in the policy, or other contested issues, we will carefully review your case and aggressively advocate for the benefits you are entitled to receive.
- ERISA life insurance lawyer serving Pennsylvania: We assist those with employer-sponsored group life insurance plans regulated by federal ERISA rules, guiding you through appeals and, if necessary, pursuing litigation to protect your benefits.
- Delayed life insurance payments lawyer serving Pennsylvania: When your insurer is dragging its feet or unjustifiably withholding payment, we take swift action to challenge these tactics and push for a timely and fair resolution.
- Beneficiary dispute life insurance lawyer serving Pennsylvania: In cases where there are competing claims on the same life insurance policy or disagreements over beneficiary changes, we represent your interests to resolve these conflicts effectively.
- Accidental death life insurance lawyer serving Pennsylvania: We handle claims involving accidental death benefits, working to clarify policy terms and overcome insurer disputes about the cause and circumstances of death.
Pennsylvania Life Insurance Lawyer Near Me (703) 591-9829
Common Reasons Life Insurance Claims Are Denied in Pennsylvania
Life insurance companies look for any possible reason to deny or delay a payout. Some denials are legitimate—but many are not. We see insurers twist policy language, ignore evidence, or rely on technicalities to avoid paying.
Common life insurance claim denial reasons include:
- Alleged misrepresentation on the application
- Lapse in policy due to missed premium payments
- Death occurred during the contestability period
- Claimed exclusion for cause of death (e.g., suicide, drug use)
- Policyholder died while living abroad
- Disputes over beneficiary designations
- Employer never submitted required paperwork for group life policies
- Claim filed too late (though deadlines are often flexible)
We often see cases where claims are denied based on incomplete investigations, misapplied exclusions, or simple errors. With legal help, many of these claims are successfully reversed.
At BenGlassLaw, we analyze the fine print of your policy and investigate whether the insurance company is using these reasons in bad faith. If they are, we’ll fight to get the claim paid.
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ERISA Life Insurance Claims in Pennsylvania
If your loved one’s life insurance was provided through their employer, the claim may be governed by a federal law called ERISA (Employee Retirement Income Security Act). These cases follow different rules from individual or private life insurance claims.
Under ERISA, the appeals process is strict and time-sensitive. You often only have 60 or 180 days to appeal a denied claim, and you must include all evidence in that appeal—there’s usually no second chance.
Our life insurance lawyers serving Pennsylvania understand these rules and know how to build an appeal that forces the insurance company to take your claim seriously. Call us today to get your free consultation after a life insurance claim has been denied.
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What to Do if Your Life Insurance Claim Was Denied
If your life insurance claim has been denied in Pennsylvania, don’t assume the insurance company is right. Here’s what you should do next:
- Do not file an appeal without legal advice. Many people unknowingly harm their case by submitting a weak or incomplete appeal.
- Request all claim documents from the insurer, including their denial explanation and any internal notes.
- Avoid speaking to the insurance adjuster without representation. They may try to get you to admit something that weakens your case.
- Contact a life insurance lawyer from BenGlassLaw as soon as possible. There are important deadlines that can affect your ability to recover benefits.
At BenGlassLaw, we’ll walk you through the entire process and handle all communications with the insurer. You won’t need to fight this battle alone; our caring and experienced team is here for you.
Get a Free Case Evaluation With Our Life Insurance Attorneys Serving Pennsylvania
If your life insurance claim has been denied, delayed, or disputed in Pennsylvania, don’t wait to get help. At BenGlassLaw, we only get paid if we recover benefits for you. Our life insurance lawyers serving Pennsylvania understand the tactics insurers use and how to beat them.
Contact us today to schedule your free case evaluation. We’ll review your policy, your denial letter, and your legal options, so you can move forward with confidence. For more information, visit our FAQ page.
Call or text (703) 591-9829 or complete a Free Case Evaluation form