AD&D Claims and Prescription Drug Use

Accidental death and dismemberment (AD&D) insurance provides individuals with more protection than their basic life insurance policies.  This insurance extends coverage in the event that a person’s death is caused by an “accident.”  Despite what may seem to be a clearly accidental death, life insurance companies attempt to find various ways to delay or deny payouts on legitimate AD&D claims.  The reasons cited range from asserting the death was not accidental to the death was foreseeable (and thus not accidental) to asserting a limiting provision found within the policy applicable to intoxication or prescription drug use.

When the decedent (i.e. the person covered by the AD&D policy) had been using prescription drugs and such drug use may have been a factor in the death, an AD&D claim can get that much more complicated. Given the facts that about 7 out 10 Americans take at least one prescription drug – and that prescription drug use is expected to increase in the coming  years (according to the Centers for Disease Control and Prevention), understanding just how prescription drug use can impact AD&D claims is important. Here’s a look at why.

A Closer Look at AD&D Claims and Prescription Drug Use

When it comes to AD&D claims and prescription drug use, you should know that:

You Can Trust a Denver Life Insurance Lawyer at McDermott Law, LLC

Has your life insurance and/or AD&D claim been denied? If so, you can turn to Denver Life Insurance Denial Attorney Shawn E. McDermott for experience in standing up to insurers and appealing or even litigating your claim denial. Experienced, skilled and trusted, Shawn McDermott has a record of success when it comes to helping people:

To learn more about how the life insurance denial attorneys at McDermott Law, LLC can help you, set up a free initial consult with our office today by calling us at (303) 964-1800 or by emailing us using the contact form on this screen.

From our offices in Denver, we provide the highest quality legal services to people throughout the state of Colorado, the surrounding states and nationwide.

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