They Denied Your Claim.
We Make Them Pay.
When an insurance company refuses to honor a life insurance policy, grieving families are forced into a fight they never expected. Feden Law Group forces insurers to keep their promises—through aggressive appeals and federal litigation nationwide.
Why Insurers Deny Claims
Insurance companies use every tool at their disposal to avoid paying out policies. These are the tactics we see—and defeat—most often.
Material Misrepresentation
The insurer claims the policyholder failed to disclose a medical condition on the application—even when the omission was innocent or immaterial to the cause of death.
Contestability Period
If the insured passed within two years of the policy’s effective date, the carrier will investigate every detail of the application looking for grounds to rescind coverage.
Policy Exclusions
Carriers invoke exclusions for suicide, substance use, or dangerous activities—often stretching policy language far beyond its intended scope.
Lapsed Policy
The insurer says premiums weren’t paid on time, claiming the policy lapsed before death—even when the insured was never properly notified or had grace period rights.
Beneficiary Disputes
The carrier interpleads the funds into court, forcing family members to fight each other while the insurer walks away from the obligation to pay promptly.
Unreasonable Delay
Rather than issuing an outright denial, the insurer stalls for months—requesting redundant documents, conducting endless investigations, and hoping you give up.
Policies We Handle
Whether your loved one’s coverage came through work or was purchased individually, we have the experience to fight for the full benefit.
Employer-Sponsored (ERISA) Policies
Group life insurance through your employer is governed by federal ERISA law. These claims require a mandatory administrative appeal before litigation can begin. We handle the entire process—building the strongest possible record at the appeal stage, then filing suit in federal court if the insurer refuses to pay.
Individual Life Insurance Policies
Privately purchased life insurance policies are governed by state law and carry different procedural requirements. We pursue bad faith claims, breach of contract actions, and statutory remedies to recover the full policy benefit plus damages when insurers act unreasonably.
Accidental Death & Dismemberment (AD&D)
AD&D policies pay benefits when death results from an accident. Insurers routinely deny these claims by reclassifying accidental deaths as the result of illness, intoxication, or pre-existing conditions. We challenge those determinations aggressively.
Key Person & Business Policies
When a business loses a key individual and the insurer refuses to pay, operations can grind to a halt. We represent businesses fighting to recover key person life insurance benefits so they can survive the loss and move forward.
How We Fight for You
Every denied claim follows a path. We know the terrain, and we move fast.
Free Case Evaluation
We review your denial letter, the policy, and the surrounding facts at no cost. Within days, you’ll know exactly where you stand and what your options are.
Obtain the Full Claim File
We demand the insurer’s complete internal file—every document, every note, every communication. This reveals their real reasons for denying and exposes weaknesses in their position.
Build a Winning Record
We gather medical records, expert opinions, witness statements, and every piece of evidence needed to dismantle the insurer’s rationale—building the record that wins.
Administrative Appeal
For ERISA claims, we file a comprehensive appeal that addresses every stated reason for denial and introduces new evidence the insurer cannot ignore.
Federal Litigation
If the insurer still refuses to pay, we file suit. Our experience in federal ERISA litigation means we know exactly how to present your case for maximum impact before a judge.
Recovery
We fight until the insurer pays the full benefit your loved one intended you to have. No partial settlements. No compromises unless they’re in your interest.
“Insurance companies count on grieving families being too overwhelmed to fight back. That’s exactly why we exist.”Nick Feden — Feden Law Group
Your loved one kept their promise. Let us make the insurer keep theirs.
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