Denied or Delayed Claim? We Can Help.

If your life insurance claim in New Jersey was denied, delayed, or disputed, you may still be entitled to receive the full policy benefits. Life insurance is meant to provide peace of mind and financial support during a difficult time—but insurers sometimes reject valid claims based on misrepresentation, lapsed policies, or other technicalities.

Our New Jersey life insurance lawyers help clients across the state—including Newark, Jersey City, Paterson, Trenton, Camden, and surrounding areas—navigate the legal process and fight back against unfair claim denials. We handle both private policies and employer-sponsored group life insurance plans governed by ERISA.

Common Life Insurance Disputes We Handle in New Jersey

We represent beneficiaries and families in a wide range of claim challenges, such as:

• Denials based on alleged misstatements in the application (e.g., medical conditions or smoking status)
• Lapsed policies where the insurer claims premiums weren’t paid
• Delayed payments, sometimes without clear justification
• Beneficiary disputes, including last-minute changes or challenges from ex-spouses
• Undue influence claims, especially involving vulnerable insured individuals
• ERISA plan appeals, with strict federal deadlines
• Suicide or excluded cause of death disputes
• Slayer statute issues, where the beneficiary is under investigation

Even if your claim has already been denied, our attorneys may be able to challenge the decision and help you recover the benefits you’re owed.

New Jersey Life Insurance Laws You Should Know

Life insurance in New Jersey is subject to both state law and, in employer-sponsored policies, federal ERISA law. Important things to know include:

• Contestability period: Most policies can be contested within the first 2 years after issuance. After that, the insurer may have limited ability to deny based on misstatements.
• ERISA deadlines: Employer-based policies often fall under federal law and may have as little as 60 to 180 days to appeal a denial.
• Prompt pay requirement: New Jersey law requires insurers to pay claims in a timely manner, typically within 30 days once all documentation is received.

We understand the differences between private and group policies and can guide you through the correct process for your claim.

What Compensation May Be Available?

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

• The full face value of the life insurance policy
• Interest for unreasonable delays
• Legal costs (in some cases under New Jersey law)
• Potential bad faith damages if the insurer acted unfairly or dishonestly

We carefully review every detail of the policy and denial to fight for the maximum compensation you deserve.

Why Choose Our New Jersey Life Insurance Lawyers?

• No fees unless we win or settle your case
• Free consultations to evaluate your situation
• Experienced with New Jersey state law and federal ERISA claims
• Familiar with insurers’ tactics and how to push back
• Serving clients throughout New Jersey and beyond

We’re here to take the burden off your shoulders and give you the support and legal guidance you need during this difficult time.

What to Do If Your Claim Was Denied in New Jersey

Save all correspondence

, including the denial letter and the policy.
1. Do not submit an appeal before speaking with an attorney—especially in ERISA claims.
2. Avoid recorded calls with insurance adjusters without legal representation.
3. Contact a New Jersey life insurance lawyer to review your case.

Delays and missteps can hurt your chances. Let us help you act quickly and strategically.