Denied or Disputed Claim in Miami?

If you’re facing a denied, delayed, or disputed life insurance claim in Miami, Florida, you may still have a right to recover benefits. Life insurance is meant to protect families after a loss—but when an insurance company refuses to pay, it can create even more emotional and financial stress.

Our Miami life insurance lawyers help clients across South Florida pursue rightful payouts. Whether you’re dealing with a claim denial, a beneficiary dispute, or a delay in processing, we’re here to help. We serve clients in Miami, Miami Beach, Coral Gables, Kendall, Hialeah, and surrounding communities.

Common Life Insurance Issues in Miami

We represent clients in a wide range of life insurance matters, including:

• Claim denials based on misrepresentation allegations (e.g., smoking status, medical history)
• Lapsed policy disputes involving missed premium payments or grace period confusion
• Beneficiary conflicts, including claims by ex-spouses or recent changes to beneficiaries
• Delayed payouts, where insurers drag out the process without good reason
• Suicide exclusions, often raised when a death occurs early in the policy period
• Homicide investigations, where benefits are withheld under Florida’s Slayer Statute
• ERISA claims, which involve group policies offered through Miami employers
• Power of attorney or undue influence concerns over last-minute changes

We know the tactics insurers use—and how to fight back to protect your rights.

How Life Insurance Law Works in Miami

Miami life insurance claims are governed by Florida law, but many employer-based policies fall under federal ERISA law. These cases involve unique rules, deadlines, and appeal processes. Some key considerations:

• Contestability Period: Most policies can only be challenged within the first two years after they’re issued—after that, the insurer’s ability to deny a claim is limited.
• Florida’s Slayer Statute: Prevents a person from collecting life insurance if they unlawfully caused the insured’s death.
• ERISA rules: Apply strict timeframes for appeals, often just 60 to 180 days from denial.

Our team is experienced with both state and federal cases and can guide you through the correct legal path.

What Can You Recover?

If your claim is successful, you may be entitled to:

• The full policy benefit
• Interest on delayed payments
• Legal fees (in some Florida cases)
• Additional compensation if the insurer acted in bad faith

We aim to recover every dollar you’re entitled to and relieve the burden from your family during a difficult time.

Why Choose Our Miami Life Insurance Lawyers?

• Free consultation to review your claim and denial letter
• No fees or costs unless we recover money for you
• Based in Florida with experience in Miami-Dade County courts and federal court
• Familiar with insurance company strategies and South Florida-specific legal issues
• Compassionate service with prompt, clear communication

We’ve handled hundreds of life insurance disputes and know what it takes to challenge unfair claim denials.

What to Do If Your Miami Life Insurance Claim Was Denied

1. Save all documents, including the policy, denial letter, and correspondence.
2. Do not file an appeal alone—some policies have short deadlines and strict rules.
3. Avoid giving recorded statements to the insurer without legal advice.
4. Contact a Miami life insurance lawyer to evaluate your case.

Even if your claim has already been denied, it may still be overturned.