San Diego Life Insurance Claims Attorney 

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San Diego Life Insurance Claims Attorney

Losing a loved one is already hard enough, but dealing with a denied life insurance claim can add frustration and fear for the future. If your claim for life insurance benefits was denied, you have options. Consult with an experienced San Diego life insurance claims attorney today.

Need Help with a San Diego Denied Life Insurance Claim? Monahan Tucker Law is Here for You.

At Monahan Tucker Law, we have a deep understanding of life insurance law and are uniquely well-suited to help you navigate a disputed claim. Our founding attorney, Stacy Monahan Tucker, spent over a decade representing insurance companies in these disputes, and she knows their tactics in detail. Now Stacy and her team use these skills to help hard-working people obtain the benefits they rightfully deserve. We have a track record of successfully challenging insurance companies in negotiations and in court to ensure our clients receive a favorable outcome. And now, we’re ready to help you too.

Reasons Why a Claim May Be Denied

If your life insurance claim has been denied, there can be many causes. Here are a few of the most common reasons for life insurance claim denials:

  • Lapse in Payment: If the policyholder fails to make payments, the policy may lapse, and the beneficiary won’t receive benefits. However, there are situations where the lapse may not be the insured’s fault, and we can still fight for your rights.
  • Material Misrepresentation: Even a small mistake on your application can give the insurance company a reason to attempt to deny your claim.
  • Accidental Death and Dismemberment Policies: These policies only pay benefits for accidents, not illnesses. However, insurance companies may wrongly deny claims based on underlying health issues.
  • Exclusions for Suicide, Substances, or Intentional Acts: Insurance policies often have exclusions for death resulting from intentional acts, such as DUI or reckless behavior. These exclusions are often improperly applied by the insurer, and sometimes applied even when the policy does not contain language for such an exclusion.

These are common reasons for denial, but they certainly aren’t the only ones. Insurance companies are highly motivated to increase their profits by denying or reducing claims and will use nearly any reason they can to stall or deny claims. Seeking the representation of a skilled San Diego life insurance claims attorney tells the insurer that you won’t tolerate being pushed around and that they need to take your claim seriously.

The Employer’s Considerable Responsibilities

Employers who offer benefits like life insurance do so at their own discretion and must abide by careful rules and regulations designed to protect their employees’ rights. The federal law that oversees private employee benefits is the Employee Retirement Income Security Act (ERISA), and it includes a number of protections for employees, such as:

  • The benefits must be overseen by a trustee who serves in the role of a fiduciary, tasked with protecting the employees’ financial rights.
  • The employer cannot distribute employee benefits in a discriminatory manner.
  • The employer must provide benefit recipients with specific information related to their rights.
  • The employer must safeguard the funds that support the benefits.
  • The employer must ensure that employees receive the benefits they were promised – even in the event of bankruptcy.  

If your employer or plan provider fails to uphold their responsibilities, you may be able to take action against them. These cases are complex, and you should always begin by reviewing your circumstances with an experienced life insurance disputes attorney.

An Experienced San Diego Life Insurance Claims Attorney Can Help

We understand that going up against an insurance company can be overwhelming, especially during such a difficult time. That’s why Monahan Tucker Law is here to stand up for you. We’ll handle the dispute so you can focus on grieving and supporting your family. Our loyal San Diego life insurance claims attorneys have the legal skill, experience, and focus that you’re looking for. We care about you and your claim, so please contact us for more information today. 


Our attorneys have decades of experience with insurance litigation and an unparalleled track record of success.


Your trust is important to us. From our first consultation through litigation, we will be transparent with you, and we will hear you every step of the way.


We are one of the rare firms that can provide first-hand knowledge of how your insurer thinks and reacts, and has consistently prevailed in some of the most complex and high value insurance disputes seen in ERISA and non-ERISA litigation.


Our attorneys trained at some of the most aggressive large law firms in the world. Though we believe there are usually better ways to litigate and resolve disputes, our opposition does not always agree. When necessary, we are masters of unrelenting, tenacious litigation. When you hire us, you turn the insurer’s previous weapon against it.


We do this work because we want to be here, for you. We understand what you have been through, and that everyone has times where they need support. One of the strongest steps for yourself and your family is to ask us for help. Together, we’ve got this.

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