What Does AD&D Insurance Cover?
AD&D policies pay benefits for:
If the policyholder dies as a result of an accident, the beneficiaries may receive a lump sum payout.
If the policyholder suffers the loss of a limb, vision, speech, or hearing due to an accident, they may be entitled to compensation.
Some policies provide benefits for paralysis, traumatic brain injuries, or other life-altering conditions caused by an accident.
AD&D insurance typically excludes coverage for illness-related deaths or injuries and may have additional restrictions that insurers use to deny claims.
Why Are AD&D Claims Denied?
Insurance companies frequently deny AD&D claims for a variety of reasons, including:
Disputes Over the Cause of Death or Injury
Insurers often argue that the death or injury was not purely accidental and instead resulted from: Pre-existing medical conditions Drug or alcohol use.Complications from an illness or disease We carefully analyze medical records, autopsy reports, and policy terms to challenge wrongful denials.
Policy Exclusions
AD&D policies often exclude deaths or injuries that occur under certain circumstances, such as: Suicide or self-inflicted harm Drug or alcohol-related incidents Participation in hazardous activities (e.g., skydiving, racing, or extreme sports) Acts of war or terrorism.If an insurer denies your claim based on an exclusion, we can examine the policy language and push back against unfair interpretations.
Employer-Provided (ERISA) AD&D Policies
If the AD&D policy was obtained through an employer, it is governed by ERISA regulations. These policies have strict procedural requirements, and claimants must follow a specific appeal process before taking legal action. Our Chicago attorneys have extensive experience handling ERISA AD&D appeals and ensuring insurance companies comply with federal law.
Missed Filing Deadlines
Insurance companies may deny claims if they believe paperwork was not submitted on time. However, these deadlines can sometimes be extended, especially if the insurance provider failed to provide clear instructions.
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How Our AD&D Attorneys in Chicago Can Help
If your AD&D claim was denied, Reynolds& can:
Review the denial letter and policy terms to determine the best course of action.
Gather medical records, accident reports, and expert opinions to support your claim.
File an ERISA appeal if the claim is through an employer-sponsored policy, ensuring all legal deadlines are met.
Negotiate with the insurance company to maximize your settlement.
Pursue legal action if necessary to recover the full benefits owed.
Take Action Before It’s Too Late
AD&D claims—especially those governed by ERISA—are subject to strict deadlines. If your claim has been denied or delayed, act now to protect your rights.
Contact Our Chicago AD&D attorneys today for a free case evaluation. Our legal team is ready to fight for the benefits you and your family deserve.