I cover my fiancee and kids on my life insurance. 3 yrs ago my fiancee was in an motor vehicle accident which resulted in a below the knee amputation. After the accident my work only gave me FMLA papers. Just a few weeks ago I learned about the AD&D. I never knew we had the AD&D on the policy. Neither did the HR dept, but Ive been paying for it for yrs. Is it too late to make the claim? They are telling me it is but no one has called the insurance.
The first step is to request a copy of the policy from your employer's HR department. The policy should tell you what the time limits are to make a claim. If after reading the policy over you are still unsure whether you have a right to make a claim, you should consult an attorney to go over the paper work with you and determine what your next step should be.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline