Accidental Death and Dismemberment (AD&D)

Causes of Action for AD&D Claims

February 26, 2015

When life insurance coverage has been supplemented by accidental death and dismemberment (AD&D) insurance, obtaining AD&D benefits after the death of a loved one will generally involve proving that the death was caused by an accident. This may sound like a relatively straightforward process – and, in some cases, it can be. However, depending on the circumstances of a…

AD&D Claims and Prescription Drug Use

February 16, 2015

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…

Successful Appeal of a Terminated Disability Claim with Reliance Standard Life Ins. Co.

October 28, 2014

It’s been a busy year around the offices of McDermott Law, LLC, submitting many internal appeals to insurance companies which have inappropriately denied or terminated long-term disability (LTD) insurance claims.  We have several experienced several successful results lately, including a reinstatement of a terminated long-term disability claim a woman with chronic back and neck pain.  Ms. G suffers…


February 11, 2011

Accidental Death and Dismemberment (AD&D) insurance policies provide benefits in the event of loss due to an accident. These policies should not be confused with life, disability, or medical insurance policies. They provide very narrowly defined benefits. A typical AD&D policy will pay a death benefit or benefit for loss of eyesight, a hand or foot…