Fort Lauderdale Accidental Death & Dismemberment Insurance Attorney
Ensuring AD&D Insurance Protects You and Your Loved Ones in Parkland and Throughout South Florida
Accidental death & dismemberment insurance (AD&D) insurance provides coverage in which the policyholder is accidentally killed or seriously injured due to circumstances outside their control. This unique type of policy can supplement a life insurance policy or short-term and/or long-term disability insurance.
Insurance carriers will sometimes attempt to deny payment by incorrectly insisting that a policyholder’s tragic death or disfiguring accident is not covered by the policy’s language. If you or your loved one’s AD&D claim has been inappropriately denied, our Fort Lauderdale accidental death & dismemberment insurance lawyer can help. Our team at Martin J. Sperry, P.A. has over 45 years of legal experience and has recovered millions for clients with inappropriately denied claims.
What Does Accidental Death & Dismemberment Insurance Cover?
AD&D insurance will generally cover accidental deaths and disfiguring injuries that occur as a result of extraordinary circumstances. The “accidental death” component is designed to pay out to designated beneficiaries should the policyholder die of non-natural causes beyond their control. An accident does not necessarily have to kill a policyholder instantly within a validity window set by each policy. This can range from a few months to more than a year.
Common examples of accidental deaths generally covered by AD&D insurance include:
- Accidental falls
- Automobile accidents
- Industrial accidents
The “disfiguring injuries” component of AD&D insurance applies to situations where an accident disfigures the policyholder but does not kill them. In these situations, policyholders will typically be awarded a portion of their maximum benefit amount commensurate with the severity of the injury.
Common disfigurements generally covered by AD&D insurance include:
- Loss of a limb
- Loss of hearing
- Loss of sight
- Loss of speech
How Accidental Death & Dismemberment Insurance Differs from Life Insurance and Disability Insurance
While AD&D insurance is similar in some ways to life insurance and disability insurance, these types of policies differ in several important ways. AD&D insurance coverage is generally more limited than life insurance, which typically pays out in a wider range of scenarios. For example, life insurance policies will almost always cover natural causes and health conditions, including heart attacks, strokes, and cancer. AD&D insurance does not cover any of these natural ailments.
Both short- and long-term disability insurance policies cover a significant portion of your paycheck if a disability results in your being unable to work. Conversely, AD&D insurance will only cover up to a “face amount” that will likely be insufficient in covering you or your beneficiaries’ expenses if you pass away or are permanently unable to work. The bottom line is AD&D insurance is often no substitute for robust life insurance and disability insurance policies. However, AD&D insurance can be useful if your employer offers it as part of your benefits package.
Why Accidental Death & Dismemberment Claims Get Denied
Language in AD&D insurance policies can often be highly specific and should be carefully reviewed. Some policies might include industrial accidents, for example, even if the policyholder is not at fault. Other policies may only cover accidental death and will exclude disfigurement coverage. Many AD&D claims are denied because an insurer will claim the death or disfigurement was not accidental.
Beneficiaries may be expected to prove the policyholder’s death was the result of an accident and not because of some other medical condition. Claims can also be denied if the insurer believes the death or disfigurement resulted from an intentional act, such as suicide or murder. Many policies will have convoluted exclusions that can be exploited to deny coverage, and some carriers will even attempt to argue that insufficient medical care led to the policyholder’s death and precludes their beneficiaries from receiving benefits.
No matter the reason for your claim’s denial, our Fort Lauder accidental death & dismemberment insurance attorney is prepared to fight for you. At Martin J. Sperry, P.A., we do everything possible to secure swift and favorable resolutions in AD&D insurance claim disputes. We understand you are already experiencing an impossibly challenging moment, whether your loved one has passed away as a result of an accident or you are now struggling with a debilitating disfigurement. Our accomplished team will provide the one-on-one attention and legal guidance you need to obtain the compensation you deserve.