Denied or Delayed Claim in Central Florida?

If an insurer has denied, delayed, or disputed your life insurance claim in Orlando, you may still be able to recover the benefits you’re entitled to. Life insurance is meant to give families peace of mind and financial security, but insurance companies often make it difficult for beneficiaries to collect what they’re owed.

Our Orlando life insurance lawyers represent clients across Central Florida, including Winter Park, Kissimmee, Sanford, Altamonte Springs, and throughout Orange and Seminole counties. Whether you’re facing a wrongful denial or a complex beneficiary dispute, we’re here to help.

Common Orlando Life Insurance Disputes We Handle

We help beneficiaries and families with a wide range of claim issues, including:

• Claim denials due to alleged misrepresentations on the application (e.g., medical history or tobacco use)
• Lapsed policy disputes, where coverage allegedly ended for non-payment
• Delayed payments beyond the legal timeframe
• Competing beneficiary claims, often involving ex-spouses, new partners, or adult children
• Policy exclusions, such as suicide, drug use, or high-risk activities
• Allegations under Florida’s Slayer Statute, when a beneficiary is suspected of involvement in the insured’s death
• ERISA claims involving employer-sponsored life insurance
• Claims involving undue influence or last-minute beneficiary changes

Even if the insurance company claims the denial is final, a legal review can uncover grounds to challenge the decision.

How Life Insurance Law Works in Orlando

Orlando life insurance claims may fall under Florida state law or federal ERISA law, depending on whether the policy was privately purchased or provided by an employer. Here’s what you should know:

• Florida contestability period: If the policy has been active for more than two years, insurers may have limited ability to challenge the application.
• ERISA appeals: These employer-based policies come with strict deadlines—often as short as 60 or 180 days to file an appeal.
• Venue for lawsuits: Claims may be filed in Orange County state court or the U.S. District Court for the Middle District of Florida.

We handle both private and ERISA life insurance disputes and can guide you through the right process.

What Compensation Can You Recover?

In a successful claim or settlement, you may be entitled to:

• The full life insurance policy payout
• Interest on delayed payments
• Attorney’s fees in certain Florida state cases
• Additional damages if the insurer acted in bad faith

We take the time to evaluate the full scope of your claim and fight for every dollar you’re owed.

Why Choose Our Orlando Life Insurance Lawyers?

• No fees unless we win or settle your case
• Free consultations to review your denial or dispute
• Experienced in both state and federal life insurance claims
• Representing clients throughout Orlando and Central Florida
• Compassionate legal support during a difficult time

Our team has handled hundreds of life insurance cases and knows how to challenge unfair denials and delays effectively.

What to Do If Your Orlando Life Insurance Claim Was Denied

1. Keep all records, including denial letters, emails, and the original policy.
2. Do not attempt to file an appeal on your own, especially for ERISA plans.
3. Avoid giving additional statements to the insurer until you speak with an attorney.
4. Contact an Orlando life insurance lawyer for a case review.

Delays can hurt your case, especially with strict appeal deadlines under federal law.