If an insurance company like AXA Insurance Company (“AXA”) suddenly terminated your benefits or denied your disability or life insurance claim, the McKennon Law Group PC will fight to have your benefits reinstated or wrongful denial reversed. You can trust in our firm to aggressively pursue your right to receive benefits from life, general liability, long-term care and disability insurers like AXA. We know insurance companies better than as well as anyone because many of McKennon Law Group PC’s attorneys, including its founder, Robert J. McKennon, previously represented insurance companies. At McKennon Law Group PC, we use our significant experience and focused attention to aggressively work to get your life, long-term care and disability insurance claims paid.
In 1859, Henry Hyde left the Mutual Life Insurance Company of New York to start his own endeavor. Originally known as the Equitable Life Assurance Society of America, Equitable became a big player in the insurance industry within ten years from its founding. By 1970, Equitable introduced a line of individual variable annuity products and six years later, pioneered variable life insurance. In 1992, Equitable converted from a mutual to a stock company, with a $1 billion-dollar investment from the AXA Group, and became a member of the Global AXA Group. Shortly thereafter, AXA Group acquired National Mutual, AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. Like many other insurance companies, AXA offers a wide variety of insurance products, including life insurance (term, whole, universal and variable), retirement (variable annuities and individual retirement accounts), investments (brokerage and advisory accounts as well as mutual funds) and others.
The AXA Group is a very large insurer, with 166,000 employees serving 107 million clients in 64 countries. AXA’s property and casualty business makes up over a 1/3 of AXA’s total revenue. AXA Insurance Company, a member of AXA’s P&C international network is domiciled in New York and admitted in all 50 states.
How does AXA Deny Life, Long-Term Care and Disability Insurance Claims?
AXA denies claims based on many reasons including, but not limited to, the following:
- AXA asserts the proof of claim you provided does not support the life, long-term care or disability claim
- AXA suggests the claimant did not provide adequate medical support for your life, long-term care or disability claim
- AXA asserts you provided inadequate documentation or proof of loss evidence or that you failed to provide such evidence in a timely manner
- AXA asserts the condition which is the subject of your claim is a pre-existing condition
- AXA asserts the insurance application contained materially false information, and thus the policy can be rescinded
- AXA asserts surveillance of the claimant suggests that you are not totally disabled
- AXA asserts your policy has lapsed due to nonpayment of premium
- AXA broadly interprets an exclusion in the life, long-term care or disability policy to preclude coverage for the claim
What Should Disability or Life Insurance Claimants Look for When AXA Denies a Claim for Life, Health, or Disability Insurance Benefits?
- Did AXA conduct a thorough and unbiased investigation into all potential bases for coverage?
- Did AXA take the opinion of its own, unqualified persons/supposed experts over the medical evidence you provided in support of your claim?
- If AXA did properly retrieve relevant medical records, did they improperly misread or misinterpret those records in support of your claim?
- Did AXA’s denial rely on the opinion of a reviewer that appears to be biased? Did the reviewer ignore relevant medical evidence or mischaracterize the content of a conversation with your primary care doctor?
- Did AXA deny your claim without requesting an in-person medical examination, even though you were willing to be examined?
- Did AXA refuse to acknowledge illness, injury or other symptoms for which only subjective evidence exists, such as mental disorders, autoimmune disorders, fibromyalgia, and chronic fatigue syndrome? Did the denial state that you failed to provide “objective evidence” in support of the illness or injury preventing you from performing the duties of your occupation?
- Did AXA improperly assert that your illness or injury is a pre-existing condition, wrongly attempt to rescind the policy or simply deny the claim with the intent of wearing you down so as to pay you a lower settlement?
- Did AXA improperly over-rely on surveillance of you engaging in activities as support that you can perform the activities of daily living? Did AXA do so without properly considering or characterizing the actual duties of your occupation?
- Did AXA improperly over-rely on social media evidence, from accounts such as Instagram, Facebook or other forms of social media to conclude you can work?
- Did AXA improperly fail to engage in a “meaningful dialogue” with you so you knew what you needed to get your claim paid?
- Did AXA wrongly fail to use findings by the Social Security Administration to support your disability claim?
If you have a wrongfully denied claim for disability, life, long-term care or other insurance involving AXA, contact McKennon Law Group PC
Choosing an attorney to represent you when you after your disability, life or long-term care claim is denied is an important decision. You need a skilled, experienced and talented advocate in your corner. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.
