Dealing with denied or delayed life insurance claims

Web Admin - Monday, April 01, 2013

After consistently paying premiums on a life insurance policy for years, you should be able to expect the insurance company to live up to their end of the agreement.  Unfortunately, that doesn’t always happen. Many Illinois life insurance claims are wrongfully delayed or denied.  Here are a couple of tips should you find yourself with a denied life insurance claim:

Trust your instincts. A lot of times, I hear from clients who say that they had a feeling  right away that something just did not seem right from the outset of their initial interactions with the insurance company to collect on a loved one’s life insurance policy.  Maybe the insurance company inaccurately or unfairly categorized the manner of death, or claimed that the policy value was actually less than what they were led to believe.  Frequently, insurance corporations assert that some mistake on the insurance application now prevents the beneficiary from collecting on the policy.  You do not, and should not, assume that they are always right or are being completely truthful.

Don’t give up without a fight. The bottom line is that you do not have to take the insurance company’s word for it.  It could be a simple miscommunication.  It could also be that the insurance company is acting in bad faith or wrongfully denying your claim, which happens when an insurance company denies or delays a claim without a legitimate  legal justification.  Let’s face it, most life insurance claims involve significant dollar figures and insurance companies only make money if they take in more money in premiums than they pay out in claims.  Make sure that the insurance company’s denial is completely legal and justified before walking away.

Don’t sit on your rights. Justice delayed is justice denied.  While already dealing with the loss of a loved one, the prospect of taking on a colossus of an insurance corporation and its legion of highly paid lawyers can seem crushingly overwhelming.  Don’t just ignore the problem and let the insurance company win. Waiting too long to find the energy to take on the insurance corporation can sometimes preclude you from recovering on an otherwise valid claim.

Get help. You do not have to deal with the insurance company on your own. Too often,  beneficiaries inadvertently reduce their chances to recover under a policy by failing to submit paperwork completely, properly and on time.  It’s a good idea to get an experienced life insurance attorney involved if things are not going as they should.  Keep in mind that no matter how nice the person who sold the policy is, the insurance corporation’s interests are directly in conflict with yours.

If you have questions about life insurance benefits that you believe are being unfairly delayed or denied, feel free to contact Ken Apicella of DGAA, LLC. W: www.dgaalaw.com E: KCA@dgaalaw.com P: 847.934.6000.

Get to know us...

Web Admin - Saturday, March 09, 2013

Now that you know some of the ways to keep in touch with us, we thought you might want to get to know us a little...

DGAA Law, LLC is aggregate of four attorneys who complement each other in both background and personalities. Here are just some of the areas in which we practice: Civil Litigation, Collections, Corporate Law, Criminal Defense Law, Employment Law, Insurance Disputes, Personal Injury, and Real Estate Law.

We also provide services through our Online Illinois Attorney service. This service gives people the opportunity to contact us and utilize our skills directly through the DGAALaw.com website.

Kenneth B. Drost brings more than 34 years of practicing in the Illinois courts; Ken’s service areas include Commercial and retail collections, real estate law, corporate law, and various forms of civil litigation.

Colin H. Gilbert supplies innovative strategies and strong analytical skills to all of his cases; he practices in the areas of criminal defense, collections, real estate law, and corporate law.

Jay A. Andrew brings a unique perspective to the law firm in that he is both a litigator and a transactional attorney. His service areas include estate planning, probate, trust administration, real estate law, residential and commercial leasing, contracts, as well as civil litigation.

Kenneth C. Apicella has earned the designations “Super Lawyer” and “Rising Star” in the field of personal injury law by Thompson Reuters, a recognition awarded to only 5% of attorneys nationwide. Ken concentrates his focus in the areas of personal injury, employment, insurance coverage disputes, and civil litigation.


Web Admin - Saturday, March 09, 2013

Welcome to Drost, Gilbert, Andrew, and Apicella, LLC! DGAA Law, LLC is a fully integrated Chicago law firm, that also has a convenient northwest suburban office on the border of Arlington Heights and Palatine.

A couple of the goals of this blog are to share information, as well as keep in touch with you, and so there are many ways for us to reach one another.

Website: http://www.DGAALaw.com
Facebook: https://www.Facebook.com/DGAALaw
LinkedIn: https://www.LinkedIn.com/company/DGAA-Law-LLC
Phone: (847) 934-6000
USPS: DGAA Law, LLC, 800 E Northwest Hwy, Suite 1090, Palatine, IL 60074

So join us as we begin this journey. We look forward to hearing from you; if you have topics that you would like to see in this blog, let us know via email blog@dgaalaw.com.

Recent Posts


Rolling Meadows insurance attorney Arlington Heights injury attorney disability benefits medical malpractice claims Deer Park workers compensation lawyer Illinois business law atorneys insurance claim delay cell phone accidents Illinois criminal defense attorney Arlington Heights personal injury attorney IRELA mortgage TBI marijuana crimes attorney dram shop law Illinois insurance disputes Exclusions Home Remodeling Repair Act Rolling Meadows estate planning attorney Illinois Sales Representative Act personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Illinois employment lawyer meal breaks foreclosed rental property institutional trustee Schaumburg medical malpractice lawyer Deer Park motorcycle accident lawyer Des Plaines collections attorney insurance denial appeals commercial leasing insurance attorney Rolling Meadows insurance dispute lawyers, insurance dispute Crystal Lake tax lawyer back injuries South Barrington real estate lawyer Palatine employment attorney texting while driving rollover accidents dynasty trusts traffic tickets Illinois traffic ticket lawyer Illinois defective products attorney Rolling Meadows business lawyer Inverness traffic law firm Long Grove real estate lawyer boating DUI Illinois trusts attorney life insurance lawyer Schaumburg car accident attorney Illinois LLC creation Rolling Meadows litigation lawyer operating agreements involuntary manslaughter South Barrington real estate attorney Illinois wills and trusts denied insurance claim privacy laws boating accidents gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys ken apicella deadly crashes capital gains tax Arlington Heights car accident lawyer Barrington business law firm Illinois DUI attorney drug crime Barrington drug crime attorney personal injury accidents Legal Info condo Schaumburg criminal attorney Chicago attorney Super Mario natural gas fiduciary rule internet Whistleblower Claims Illinois mortgages privacy Des Plaines injury law firm Buffalo Grove probate lawyer head on collisions guardianship attorney Illinois traffic accident lawyer criminal defense Palatine drug lawyer Chicago employment lawyer clemency IRA benefits cell phone tower data DMV Rolling Meadows real estate attorney Buffalo Grove injury lawyer Rolling Meadows traffic attorney Chicago trucking accident attorney murder defense Des Plaines personal injury lawyers Crystal Lake employment lawyer Barrington employment law firm first degree murder slip and fall accidents Inverness real estate attorney employee discrimination pregnant women BUI drunk driving underinsured motorist estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Palatine employment law lawyer Mount Prospect elder law attorney Barrington civil litigation attorney Palatine law firm automated cars digital assets Illinois injury lawyer employment lawyer Crystal Lake criminal defense attorney Des Plaines real estate attorney medication errors hit and run accident Crystal Lake pedestrian accident lawyer Rolling Meadows criminal lawyer Illinois workplace lawyer Palatine civil litigation lawyer spinal cord injury reckless homicide car accident lawyers federal crimes loss of consortium holiday statistics employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys Inverness elder law lawyer trucking accident lawyers Crystal Lake car accident attorney Rolling Meadows corporate lawyer drunk driving statistics Crystal Lake law firm Deer Park real estate law firm Illinois estate planning Deer Park accident attorney speeding Colin Gilbert auto accidents Illinois workplace discrimination attorney Rolling Meadows DUI lawyer Schaumburg corporate attorney Illinois traffic attorneys personal injury attorney Affordable Care Act medical marijuana Des Plaines personal injury attorney probate claims products liability startup company icy parking lots estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, Crystal Lake traffic lawyer unauthorized overtime Arlington Heights wills and trusts lawyers underage DUI Buffalo Grove traffic lawyers FSLA insurance claim dispute irrevocable trust real estate zoning Chicago corporate attorney Des Plaines Traffic Lawyer traffic crimes Illinois insurance claim dispute lawyer real estate criminal Palatine punch death bicycle accidents Arlington Heights medical malpractice lawyer Arlington Heights TBI attorney crossover accidents Chicago biking tips real estate attorney brain injury Buffalo Grove employment lawyer DUI attorney Illinois driving without license traumatic brain injury car accident Illinois home inspection car crash injuries DUI defense natural gas explosion elder law Arlington Heights personal injury lawyer Schaumburg employment law attorneys Schaumburg insurance lawyers probate claims process insurance dispute sexual harassment Illinois insurance lawyer Schaumburg traffic lawyer bad faith insurance claims Illinois medical malpractice claim living trust vs will Rolling Meadows personal injury lawyers drug crimes Buffalo Grove medical malpractice lawyers underfunded trust product liability wrongful death Barrington estate planning attorney manufacturing Crystal Lake estate planning lawyer DGAA Illinois living will Crystal Lake medical malpractice law firm condo association Schaumburg estate planning lawyer estate attorney Inverness accident lawyer Crystal Lake bike accident lawyer Illinois insurance attorney distracted driving accident victims wage theft Buffalo Grove traffic attorney Retaliatory Discharge Illinois trucking safety Barrington workers compensation attorney work unions Buffalo Grove corporate attorney real estate attorneys Crystal Lake personal injury attorney deed transfer job lawyers eluding a police officer Illinois Workers’ Compensation Commission trucking accidents Deer Park criminal attorney insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys employees construction contracts defective products lawyer pet law DUI murder Chicago car accident lawyer probate fees Illinois employment law attorneys Inverness personal injury attorney Rolling Meadows employment attorney Buffalo Grove real estate attorney traffic violations denied insurance claims dog bites Rolling Meadows tax attorney personal injury claims license revocation mass shooting estate planning attorney Illinois red light cameras forming a corporation in Illinois Des Plaines pet law attorney Illinois traffic attorney contracts Illinois pedestrian accident attorney Illinois real estate lawyer Schaumburg wrongful death attorney Rolling Meadows probate lawyer Schaumburg Illinois traffic laws comp time suspended license POA healthcare Illinois car accident attorney defective products Illinois estate planning attorney income distribution deducation investment property home inspection lawyer special needs trust Des Plaines medical malpractice attorney Illinois wrongful termination lawyer Long Grove estate planning attorney real estate closing Arlington Heights real estate lawyer vacation home Illinois Transfer on Death Instrument Illinois personal injury attorney college kids civil litigation Schaumburg Attorney Illinois bicycle safety Rolling Meadows construction accidents liability attorney fees Inverness corporate attorney pedestrian injuries, pedestrian fatality probate agent Inverness civil lawyer Forcible Entry Palatine estate planning lawyer unpaid overtime Chicago employment attorney digital information rumble strips overtime pay Palatine corporate law attorneys pedestrian accident pay when paid contract Illinois probate lawyer Do Not Resuscitate motorcycle accident lawyer Illinois collections attorney real estate lawyer Long Grove wills and trusts attorneys insurance agent negligence Des Plaines drug lawyer Illinois Arlington Heights criminal lawyer insurance claims estate planning lawyer Palatine personal injury lawyer Arlington Heights Attorney Crystal Lake business law attorneys Rolling Meadows traffic law firm pet bites Palatine injury attorney Des Plaines motorcycle accident attorney medical malpractice insurance denials premises liability civil rights violation insurance adjusters social media after death Arlington Heights pedestrian accidents Illinois workers compensation attorney Rolling Meadows car accident lawyers Barrington criminal lawyer hiring employees trusts denial of life insurance Barrington estate planning lawyer Schaumburg real estate lawyer Mount Prospect real estate lawyer Illinois wills and trusts attorneys filing a medical malpractice claim Crystal Lake accident attorney overtime violations Palatine construction attorney Buffalo Grove personal injury attorney uninsured motorist Buffalo Grove law firm Arlington Heights wills and trusts lawyer employment contract Schaumburg construction accident lawyer employment law swimming pools Deer Park personal injury lawyer insurance claim denial Employment Discrimination Law trench injuries Barrington Illinois estate planning lawyer employment attorney Colin H. Gilbert Arlington Heights trucking lawyer traffic deaths Arlington Heights insurance attorney traffic laws Illinois lawyer insurance agents Rolling Meadows medical malpractice lawyers insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Buffalo Grove criminal defense lawyer Arlington Heights tax lawyer wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Chicago estate planning traumatic brain injuries living trust benefits Rolling Meadows accident lawyer federal regulations for LLCs license estate planning for college students paid sick leave small business Palatine business attorney Palatine traffic accidents Class A misdemeanor real estate contract Schaumburg civil litigation attorney landlord Kenilworth estate planning attorney Chicago lawyer Palatine criminal defense lawyer Rolling Meadows boating crash lawyer digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers Inverness probate lawyer fault based insurance Illinois employment law firm School Visitation Rights Act Inverness DUI lawyer whistleblower protections trustee Barrington employment attorney dealing with problem employees estate planning trusts Schaumburg personal injury lawyers Home Sale Contingencies Rolling Meadows personal injury attorney healthcare claims caregiver Illinois civil litigation lawyer Rolling Meadows insurance lawyer Inverness estate planning lawyer distracted driving accidents driving Barrington personal injury lawyer Crystal Lake personal injury lawyer insurance claim Illinois business lawyer Illinois real estate Chicago will attorney Crystal Lake employment attorney Rolling Meadows drug defense attorney DNR Palatine workers compensation lawyer Fair Labor Standards Act IRA trust transfer motorcycle accident Illinois corporate lawyer financial advisors Illinois Smoke Detector Act BAIID Illinois pet lawyer Inverness real estate lawyer Illinois tax attorney comparative negligence murder charges criminal law sexual images Kenilworth estate planning lawyer insurance disputes breach of contract living wills pain and suffering surgical mistakes Barrington real estate lawyer Rolling Meadows employment law attorney Illinois personal injury hands free device pedestrian-automobile accident caretaker rights Illinois workers compensation lawyer FMLA Illinois elder law attorney digital media accounts, estate planning, Arlington Heights estate planning attorney, severance agreements Arlington Heights employment law attorneys Illinois Probate Act of 1975 Rolling Meadows personal injury lawyer Long Grove real estate attorney life insurance policy Rolling Meadows insurance dispute lawyers truck collisions liens Illinois will lawyer DUI penalities Illinois personal injury lawyers right to work minimum wage Arlington Heights estate planning attorney Crystal Lake medical malpractice lawyer taxes Chicago insurance claim attorneys Illinois small business traffic accidents Chicago insurance law firm Illinois employment laws problem employees license reinstatement fiduciary rule delay insurance claim dispute attorney gift taxes Chicago will attorney, social media platforms, Illinois estate planning lawyer, Des Plaines criminal attorney jet ski Deer Park DUI lawyer Palatine Attorney Arlington Heights employment attorney personal injury claim traffic offenses Mount Prospect wills and trusts lawyers Schaumburg injury lawyer Liquor Control Act insurance claim denials car accident lawyer car crash changes to mortgage law BAC health insurance dispute Barrington litigation attorney child safety loopholes Des Plaines accident attorney Crystal Lake employment law attorney fatal car accidents Chicago estate planning lawyer Illinois boating accident lawyer breathalyzer test Palatine civil attorney Transfer on Death Instrument Arlington Heights car crash attorneys car crashes Detainer Actions Illinois registered agent Deer Park employment law attorney Arlington Heights traffic attorney trauma after an accident personal injury law firm LLCs creditors Schaumburg personal injury attorney Mt Prospect Attorney digital evidence Illinois rollover accident lawyers Rolling Meadows Attorney Palatine corporate attorney rest breaks jet ski accidents texting and driving Illinois construction accident attorney IRS real estate leasing revenge porn Palatine insurance lawyer Barrington criminal defense lawyer employment law, Illinois employment laws Crystal Lake insurance lawyer drugs Arlington Heights wills and trusts attorney Crystal Lake injury attorney commercial real estate Schaumburg probate attorney Buffalo Grove car accident lawyer Des Plaines civil attorney consent to a search insurance negligence Arlington Heights Traffic Lawyer Barrington injury attorney Illinois motorcycle accident lawyer bicycle dooring accidents Deer Park traffic accident attorney Inverness injury lawyer Illinois law CAM llinois Real Estate Lawyers Association life insurance Long Grove estate planning Illinois insurance claims lawyers Illinois attorney Deer Park traffic lawyer Schaumburg elder law lawyer Barrington personal injury attorney tax attorney senior citizens business litigation Rolling Meadows marijuana attorney Riverwoods estate planning lawyer Illinois employee rights attorney. Des Plaines drug crimes lawyer Des Plaines golf accidents power of attorney Palatine elder law attorney Arlington Heights lawyer Policy Cancellation Rolling Meadows employment law attorneys Crystal Lake medical malpractice attorneys criminal record Crystal Lake car accident lawyer estate planning medical research blended families Illinois personal injury lawyer Palatine employment lawyer Rolling Meadows Traffic Lawyer Rolling Meadows criminal attorney Des Plaines insurance attorney homestead rights Illinois medical malpractice case marijuana unfunded trust corporate law pedestrian accidents foreclosure car accidents Illinois speeding lawyer elder abuse Illinois employment law attorney Food and Drug Administration's Food Safety Modernization Act employee rights Crystal Lake civil litigation lawyer life insurance claims Illinois employment law Fourth of July Schaumburg estate attorney cell phone commercial leases sole proprietorship new real estate form appealing an insurance claim subcontractor accidental death benefits Des Plaines DUI attorney independent contractor medical malpractice compensation Des Plaines real estate lawyer nursing home negligence Crystal Lake traffic attorney Des Plaines tax law firm blood alcohol content landlord tenant law controlled substance medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Illinois estate planning law firm no contest clauses Self-Directed IRA Accounts vacation home fines wrongful termination Des Plaines personal injury lawyer estate tax employee misclassification trust payments Palatine probate lawyer Arlington Heights accident attorney Illinois Wage Payment and Collection Act ACA probate lawyer Illinois job attorney owner responsibility advance healthcare directive workers comp drug possession Arlington Heights wills and trusts attorneys Schaumburg personal injury lawyer power of attorney for healthcare modern family estate planning Palatine trusts lawyer preventable medical errors Schaumburg criminal law attorney Joliet general practice lawyers unpaid assessment field sobriety test Deer Park medical malpractice attorney Illinois medical malpractice attorney expungement residential real estate Illinois insurance claim dispute lawyers wills Illinois insurance dispute lawyers personal injury lawyer probate process slip and fall low-ball insurance settlement boating under the influence estate plan bike accident rollover car crashes Palatine traffic lawyer pizza emoji Schaumburg estate planning attorney Jay Andrew Long Grove estate planning attorneys anesthesia errors Illinois insurance claim attorney employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, liability claims traffic violations defense Inverness insurance attorney wills and trusts food poisoning Barrington medical malpractice lawyers Attorney Ken Apicella civil litigation attorney ObamaCare Schaumburg employment attorney living trust drug crimes lawyer car collision license suspension Family Medical Leave Act Barrington employment law attorney Illinois jet ski accident lawyer workers compensation benefits installment contracts Kenilworth estate planning attorneys workers compensation GM ignition switches Federal Food Drug and Cosmetic Act construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation Crystal lake insurance dispute attorney Landlord Tenant Ordinance preventing accidents rent to own real estate contracts Barrington Traffic Lawyer Thanksgiving Crystal Lake will lawyer workplace sexual harassment Illinois employment attorneys Crystal Lake pet attorney Chicago traffic lawyer spinal cord injuries compensatory time PTSD personal injury Illinois Human Rights Act Barrington attorney insurance dispute attorney Illinois medical malpractice lawyers Barrington boating accident attorney Buffalo Grove personal injury lawyer in terrorem provision Buffalo Grove insurance claim dispute lawyers Des Plaines claims law firm Palatine real estate lawyer Schaumburg drug defense lawyer