Life Insurance Claims2020-08-27T13:08:00-04:00

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Life Insurance Claims: Applications and Denials

As if it is not hard enough that you have lost a loved one, it is really a sad state of affairs that the Insurance Company you contracted with to provide you financial security during this most difficult in your life has found a loophole to deny you the money on which you had been relying.  Your deceased loved one was providing a source of financial support and now there is a significant hole in your finances.  The very same company which was extolling its products as a source of security is now combing its file seeking a reason to not pay. Here’s how we can help with life insurance claims.

What can be done if you receive a life insurance benefit denial?  Over my career, clients who have come to me have suffered this unseemly result more often than I care to think about.  It is just astonishing that the insurance company can be so cold-blooded during such a sad time.  My experience dealing with life insurance denials allows me to marshal all of the skills and knowledge which I have gained over my 35 years of practicing law which I can bring to bear for you to explore every avenue to make sure your claim is paid as it should be.

The same fine-toothed comb the insurance company is using to find a reason to deny benefits can be used to close the very loopholes they might try to exploit.  Insurance companies will turn the language of the policy they wrote upside down during your life insurance denial.  They forget that the language in question was written by them and if it is vague or subject to two (2) interpretations, the law says the interpretation is to be made in your favor.

We have the experience you need to fight your life insurance claims. We have fought companies such as SunLife, Prudential, MetLife, Mutual of Omaha, Lincoln National, Hartford, Liberty Mutual, New York Life, Unum, Aetna and others.  We are familiar with their tactics and ready to aggressively pursue your claim.


Unfortunately, my medical condition forced me to stop working. After applying for Long Term Disability benefits through coverage I had with my employer, I was forced to look for representation. No attorney would take my case until I consulted with and hired Herbert M. Hill, P.A. to enforce my rights. It was an excellent decision. Mr. Hill and staff worked promptly to appeal the benefit denial. The appeal was successful and I have been on benefits ever since. After that, Mr. Hill kept my file open. His firm has handled all paperwork and walked me through each issue which came up.


I am a former manager of a well known telecommunications company. After many years on a successful career path, my health conditions forced me to file for Long Term Disability benefits. Although it seemed to me that I was clearly disabled, the insurance company denied my benefits. It was at this time that I decided to employ the services of Herbert M. Hill, P.A. to assist me with the claims. I am glad I did.


At any given time, I knew where my case stood. If I had any questions, they would be answered on my first call or by the end of the same day.

The case was handled efficiently and in a timely manner. I have and will continue to recommend Mr. Hill.


The undersigned is a veterinarian whose health conditions forced me to file for disability benefits, including benefits pursuant to an “overhead” policy.

There were any number of issues which arose, none of which I would have expected. Mr. Hill even came to my office for a review of my office procedures and a meeting with the insurance company’s field representative.

-A.G., DVM

The assistance provided by Mr. Hill and his staff proved invaluable, even continuing with related issues which have continued to arise after my disability claims were approved…

I am extremely grateful for the personal concern shown – not only about my claims but about me – his staff’s concerns as to how my claims and the issues relating thereto would affect me, as a person.

- A.D., Esq.

Mr. Hill filed an appeal which resulted in an early settlement of the ensuing lawsuit which was the result I wanted. Because of the successful handling of that claim, I retained Mr. Hill to handle an issue which arose in conjunction with my entitlement to continuing pension benefits. Mr. Hill again filed an appeal which resulted in those benefits being reinstated.

I was very pleased with not only the favorable results secured as a result of Mr. Hill’s representation but also the manner in which he handled the claim and kept me advised throughout the proceedings.

- S.V.
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