DON’T SETTLE FOR NO Your Road Map for Contesting Life Insurance Decisions
BREAK TAKE A Life insurance policies are meant to provide financial security at a time of loss. However, this period can become significantly more stressful if your claim has been denied. Understanding your rights and the steps to challenge a life insurance denial can empower you and potentially reverse the decision. STEP 1: REVIEW THE DENIAL LETTER The first step in challenging a life insurance denial is to thoroughly review the denial letter from the insurance company. This letter should clearly detail the reasons for the denial. Fully understanding these reasons is crucial, as they are the basis for your appeal. An attorney can help you review your application and understand your available options. STEP 2: GATHER SUPPORTING DOCUMENTS Once you’ve understood the reasons for the denial, compile all relevant documents that support your claim. This could include medical records, death certificates, and any correspondence related to the life insurance policy. These documents are essential for building a strong appeal.
STEP 3: PREPARE AND SUBMIT YOUR APPEAL Preparing a detailed appeal is crucial. Your appeal should directly address each reason for denial the insurer listed. Include all pertinent documents and evidence that support your case. This might include new medical opinions, legal briefs, or expert reports that were not part of your initial claim. Ensuring that all information is included in the appeal is critical because once you submit the appeal, you cannot introduce any new information should the case go to court. ALWAYS CONSULT WITH AN EXPERIENCED ATTORNEY Consulting with a life insurance attorney can be a game-changer. Attorneys who specialize in life insurance law are familiar with the nuances of policy agreements and state laws and can navigate complex legal challenges effectively. They can also act as dedicated advocates on your behalf, ensuring your appeal is as strong as possible. With the right approach and support, you can contest a denial and secure the benefits your loved one intended for you. Remember, you’re not alone in this — our team here at Brasher Law can guide you through every step of the process.
Korean Steak Slaw Inspired by GoodHousekeeping.com
Ingredients • 2 tbsp gochujang or sriracha hot sauce • 2 tbsp soy sauce • 3 tbsp sesame oil, divided • 2 sirloin steaks, about 1 lb total • 1 daikon radish
• 1 large carrot • 1/2 red cabbage • 5 green onions, divided • 2 tbsp rice vinegar • 2 tsp sesame seeds, toasted
Directions 1. In a large bowl, mix gochujang, soy sauce, and 2 tbsp sesame oil. Set aside 1 tbsp of mixture to use for dressing. Place steaks in bowl with the remaining marinade and coat. 2. Julienne radish and carrot into strips. Shred red cabbage and slice 3 green onions. Mix the reserved marinade with the remaining sesame oil and rice vinegar, then toss with vegetables in a large bowl to coat. 3. Heat a frying pan until very hot. Fry steaks for 2 minutes on each side for medium rare, brushing with the marinade as they cook. Set aside to rest for 5 minutes, then slice into thin strips. Slice the remaining green onions and add to the slaw. 4. Serve sliced steak over the slaw and sprinkle with toasted sesame seeds.
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