We are experienced Illinois attorneys who can help with denied life insurance cases anywhere in Illinois. Call us any time at 312-346-5320 to speak with an attorney for free.
A life insurance policy is usually meant to provide money to your loved ones after you pass away. But what happens if you’re still living—and facing a serious illness? That’s where an Accelerated Benefit Rider, or ABR comes in.
An ABR is a part of a life insurance policy that lets you access some of your policy’s death benefit early if you’ve been diagnosed with a terminal illness or a critical condition, such as advanced cancer, late-stage heart disease, or other serious health issues. This early payout can help cover medical bills, travel for care, long-term care, renovations to stay in the home, and lost income. They payout can also give peace of mind and financial support while you’re still alive.
What To Do When An Insurance Company Denies An ABR Request
Unfortunately, even when you clearly qualify, some insurance companies wrongfully deny ABR claims. They might argue that your illness doesn’t meet the definition of “terminal” or “critical,” or they may claim that you didn’t submit the right paperwork. In other cases, they may delay the claim so long that you’re stuck in limbo, waiting for the help you really need.
Why does this happen? It’s usually just money and the way these insurance companies do business. Insurance companies save money by denying or delaying claims. In some cases, it may be bad faith or even breach of contract. They do it on legitimate cases all of the time. It’s very gross behavior.
How To Get The Best Life Insurance Lawyer In Illinois For Your Case
If your ABR claim has been denied, delayed, or ignored, you can hire an experienced insurance attorney to fight back against the insurance company and help you get the money you’re owed. We can connect you with someone very aggressive who will determine if you have a case and they won’t charge you to figure that out. It usually does not take very long to determine that.
If the lawyer determines your benefits have been wrongly denied, the typical step is to immediately file a lawsuit to put pressure on the insurance company. Quite often these issues resolve in a matter of weeks or a few months.
And of course there is no fee to hire an attorney and they only get paid if they make a recovery for you. So essentially it’s no risk. And while we can not guarantee a result, we do promise to give you the same legal guidance we would to a family member or friend in the same situation.
If you’re seriously ill and your insurance company is denying you the support you were promised, contact us at 312-346-5320 any time.
