New Jersey Denied FEGLI Claim Lawyers
Life Insurance Attorneys in New Jersey
They are efficient, honest and will achieve the best possible outcome. Farmers had rejected my claim twice and was unwilling to take a second look. Shelly was able to get them to pay the entire claim without going to court.. Highest recommendation.
- Kathleen Bryan
Trief & Olk is a superior law firm. Their attorneys and other legal professionals have a brilliant understanding of the law and the litigation process. They diligently perform their work in an efficient, strategic and cost-effective manner to ensure the best possible outcomes for their clients.
- Christopher Hughes
I contacted the Trief & Olk law firm regarding a life insurance issue. Shelly Friedland handled the matter swiftly, courteously and professionally. The issue was settled in my favor in a timely manner. I would highly recommend her and this firm to those in need of legal assistance .
- Jim Beha
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Our experienced attorneys have negotiated or litigated a wide variety of life insurance denial cases against major insurance companies.
New Jersey Denied FEGLI Claim Lawyers
In the realm of life insurance, there exists a vital safeguard for federal employees and their families known as the Federal Employees Group Life Insurance Program, or FEGLI. This program, overseen by the federal Office of Personnel Management (OPM), plays a crucial role in providing financial security to federal employees and their loved ones in times of need.
MetLife and FEGLI Claims
FEGLI policies are administered through a contract with Metropolitan Life Insurance Company, commonly referred to as MetLife. MetLife has a specialized unit known as the Office of Federal Employees Group Life Insurance (OFEGLI) dedicated to handling FEGLI claims. The program follows a unique set of rules and regulations that govern how claims are processed and paid out.
Distinct Rules of FEGLI Claims
It is essential to understand that FEGLI claims are subject to specific rules that may differ from those that govern traditional life insurance policies under New Jersey state law. This distinction is a crucial factor to consider when dealing with FEGLI claim denials. To navigate these intricacies effectively, one requires the guidance of an experienced New Jersey life insurance attorneys.
Trief & Olk: Your Trusted Legal Partner in FEGLI Claim Denials
When your FEGLI claim has been denied, it can be a distressing and overwhelming experience. In such challenging moments, you need a legal team that focuses on FEGLI policies and possesses an in-depth understanding of the unique rules and regulations that apply.
Why Choose Trief & Olk?
Experience in FEGLI Policies: At Trief & Olk, our seasoned New Jersey Denied FEGLI Claim Lawyers are well-versed in the specific legal framework governing FEGLI policies. We know the ins and outs of FEGLI, and our experience can be your strongest asset in the face of a claim denial.
Fighting for Your Rights: We are committed to helping you get the coverage you are entitled to. Our skilled New Jersey Denied FEGLI Claim Lawyers will navigate the complexities of FEGLI claim denials, ensuring that your rights are protected.
State-Specific Knowledge: Life insurance is tightly regulated on a state-by-state basis, and New Jersey has its own set of regulations. Our New Jersey Denied FEGLI Claim Lawyers understand the nuances of New Jersey state law, which can greatly influence the outcome of your FEGLI claim.
Related Blog Posts
Avoiding Common Mistakes When Faced with a Denied FEGLI Claim
As a seasoned Denied Federal Employees Group Life Insurance Program (FEGLI) lawyer in New Jersey, I understand the immense importance of securing a FEGLI payout when you need it the most. Unfortunately, claim denials can happen, leaving beneficiaries in a difficult position. In such circumstances, avoiding common mistakes is crucial to ensuring that you receive the benefits you are entitled to. Here are some pitfalls that you should steer clear of:
Mistake #1: Just Accepting the Denial
One of the most significant mistakes beneficiaries can make is to simply accept a FEGLI claim denial and move on. If you believe you have a valid claim, it’s essential to understand that denials are not the final word. FEGLI policies are meant to provide financial protection, and you have the right to appeal the decision. Accepting the denial without question could leave you without the support you need.
Mistake #2: Not Having a Trial Lawyer Willing to Fight
In many cases, insurance companies may be reluctant to pay out a claim, even when it is valid. Having a skilled trial lawyer on your side is a critical asset. Not all attorneys are willing to take the insurance company to court if necessary. Choosing a lawyer who is prepared to fight for your rights can significantly increase your chances of a successful resolution.
Mistake #3: Hiring an Attorney without Life Insurance Experience
Selecting the right attorney to represent you in your FEGLI claim denial is paramount. Life insurance is a complex field with its own set of rules and regulations. Hiring an attorney without experience in life insurance law can be a costly error. An attorney with experience in this focused area can navigate the intricacies of FEGLI policies, increasing your chances of success.
The Timing Is Crucial
In many FEGLI claim denials, time is of the essence. Insurance companies may delay or deny payouts intentionally, leaving beneficiaries in financial distress. A New Jersey life insurance trial lawyer knows how to expedite the process and bring the insurance company to the table more quickly, ensuring that you receive the benefits you deserve promptly.
Frequently Asked Questions About Denied FEGLI Claims
Facing a denied Federal Employees Group Life Insurance Program (FEGLI) claim can be a challenging and emotional experience, especially when you’re grieving the loss of a loved one. As experienced FEGLI lawyers in New Jersey, we’re here to provide answers to some of the most common questions that individuals in your situation might ask:
What should I do if my loved one's FEGLI claim is denied?
If your loved one’s FEGLI claim is denied, it’s important not to lose hope. You have the right to appeal the decision. Start by gathering all relevant documents and information, and consider seeking legal assistance to navigate the appeals process.
How long do I have to file an appeal after a FEGLI claim denial?
The time frame for filing an appeal can vary, but typically, you have one year from the date of the denial to submit an appeal. It’s crucial to act promptly to avoid missing the deadline.
Do I need a lawyer to handle the appeal of a denied FEGLI claim?
While it’s not mandatory to have an attorney, having legal representation can significantly improve your chances of a successful appeal. An experienced FEGLI lawyer can help you navigate the complex process, gather necessary evidence, and negotiate with the insurance company.
Can the insurance company deny a FEGLI claim for any reason?
Insurance companies are not allowed to deny a valid FEGLI claim without legitimate reasons. However, disputes often arise over whether the claim meets the policy’s criteria. A denial can result from misunderstandings, mistakes, or differing interpretations.
What can I do if the insurance company is delaying my FEGLI payout?
If the insurance company is intentionally delaying your FEGLI payout, it may be time to seek legal assistance. An attorney can help expedite the process, communicate with the insurer, and push for a swift resolution.
How do I choose the right attorney for my FEGLI claim appeal?
When selecting an attorney for your FEGLI claim appeal, look for someone with specific experience in life insurance law and FEGLI policies. Make sure they are well-versed in the regulations and procedures related to your claim.
Is there any way to prevent a FEGLI claim from being denied in the first place?
To minimize the risk of a FEGLI claim denial, it’s essential to thoroughly understand the policy and its requirements. Accurate record-keeping and timely notifications to the insurance company are key factors in preventing denials.
How long does it typically take to resolve a denied FEGLI claim?
The duration of resolving a denied FEGLI claim can vary widely. It depends on factors like the complexity of the case and the insurance company’s cooperation. An experienced attorney can help expedite the process.
What if I am not the primary beneficiary on the FEGLI policy? Can I still appeal the denial?
If you are not the primary beneficiary but believe you have a valid claim, you may still be able to appeal the denial. Consult with an attorney to discuss your options and the specific circumstances of your case.
How much will it cost to hire an attorney for a FEGLI claim appeal?
The cost of hiring an attorney for a FEGLI claim appeal can vary. Many attorneys work on a contingency fee basis, meaning they only get paid if you win the appeal. This can provide you with peace of mind and ensure that legal representation is accessible.
Denied Federal Employees Group Life Insurance Program (FEGLI) Client Story
This client story is for educational purposes only.
In the quiet suburbs of New Jersey, a woman named Kimberly found herself facing a heart-wrenching challenge that no one could ever prepare for. She had lost her beloved husband, Andrew, to a sudden and devastating illness, leaving her to navigate the difficult path of grief and financial turmoil. To make matters worse, when Kimberly sought solace in the Federal Employees Group Life Insurance Program (FEGLI) policy that Andrew had secured for their family, she was met with a bitter denial from the insurance company.
In the midst of her mourning, Kimberly was bewildered and emotionally drained. The FEGLI policy that was meant to provide a lifeline for her and her children was slipping through her fingers, denied for reasons that felt unjust. Desperation and despair threatened to consume her.
In her darkest hour, Kimberly sought hope and guidance from Trief & Olk, the experienced New Jersey Denied FEGLI Claim Attorneys. Little did she know that this step would be the turning point in her battle for justice.
As Kimberly sat down with the empathetic attorneys at Trief & Olk, she felt a glimmer of optimism. Their compassion and understanding of her plight were like a comforting embrace, and for the first time since Andrew’s passing, she felt that someone truly cared about her well-being. Trief & Olk was not just a law firm; they were her guiding light in a time of darkness.
The dedicated attorneys at Trief & Olk understood the complexity of FEGLI claims, the nuances of insurance policies, and the importance of bringing insurers to account when they faltered in their responsibilities. With their experience and unwavering support, Kimberly embarked on a journey towards justice.
Trief & Olk meticulously reviewed Andrew’s FEGLI policy and the circumstances surrounding the denial. They gathered evidence, communicated with the insurance company, and navigated the intricate web of life insurance regulations that could make or break Kimberly’s case. In the face of adversity, they were her advocates and allies, standing strong with her.
With the guidance of Trief & Olk, Kimberly’s determination to secure her husband’s FEGLI benefits grew stronger. The insurance company, perhaps unaccustomed to such a tenacious fight, finally began to acknowledge the legitimacy of her claim. The previously denied benefits that Kimberly had so desperately needed for her family were now within reach.
As the case progressed, Kimberly and her legal team faced challenges and hurdles, but they persevered. Together, they emerged victorious, and Andrew’s FEGLI benefits were awarded to the family he had loved so dearly. Kimberly found solace in knowing that her husband’s legacy would provide for their future, just as he had intended.
Kimberly’s journey with Trief & Olk was not just about winning a legal battle; it was about reclaiming her family’s financial stability, honoring her husband’s memory, and finding closure amid the storm of grief. It was a testament to the power of resilience and the importance of seeking experienced guidance in times of adversity.
Contact Our Team for Guidance in New Jersey
If you’ve recently faced the disappointment of a denied Federal Employees Group Life Insurance Program (FEGLI) claim in New Jersey, remember that you’re not alone, and there is hope. At Trief & Olk, our experienced FEGLI lawyers are here to guide you through this challenging time and help you secure the benefits you deserve.
Free Consultation and Document Review
We understand the confusion and distress that a denied FEGLI claim can bring. That’s why we offer free consultations to discuss your case and provide an initial assessment of your situation. Our goal is to ensure that you receive the support you need without any financial burden.
Additionally, we’re here to help you understand your life insurance documents and policies, reviewing them without charge to ensure that you have a clear understanding of your rights and obligations.
Experience You Can Trust
Trief & Olk has earned a reputation for handling complex FEGLI cases, and we are often referred such cases by other attorneys who recognize our extensive experience in this field. FEGLI claims can be intricate, and not many attorneys possess the focused knowledge that we do.
Our team is committed to advocating for your rights, bringing insurance companies to account, and ensuring that you receive the financial protection you deserve in your time of need.
If you’ve been denied a FEGLI claim in New Jersey, reach out to our dedicated team at Trief & Olk. Your journey to securing the benefits you are entitled to begins with a simple phone call or message. We’re here to support you and provide the legal experience you need to navigate the complexities of FEGLI claims. Don’t hesitate to contact us today, and let us help you take the next step toward justice and peace of mind.
Client Reviews
If there is any possibility of winning your life insurance case – this is the place to do it for you. They are efficient, honest and will achieve the best possible outcome.
Shelly Friedland worked on my case where a life insurance policy had lapsed and was even a few days beyond the grace period. Farmers had rejected my claim twice and was unwilling to take a second look. Shelly was able to get them to pay the entire claim without going to court, and the full amount was deposited in my account within a couple months. Highest recommendation.
Kathleen Brown
