ACCIDENTAL DEATH AND DISMEMBERMENT POLICIES

• Whether a death or injury falls within the definition of an accident in the policy.

• Whether a policy exclusion applies, such as exclusions for using certain medications or alcohol, or engaging in high risk activities like skydiving.

• Whether prior medical conditions played a role in the accident.

• The interpretation and meaning of relevant terms in the policy that impact coverage.

• Compliance with strict deadlines and forms, and submitting the appropriate evidence required to substantiate claims.

• Handling the insurance company’s appeal process in a proper manner.

• Pursuing a lawsuit if the insurance company unreasonably denies or delays payment of the claim.