Daggett Shuler Logo
Your Injury and
Disability Lawyers
Personal Injury, Disability, and Workersโ€™ Compensation
Safe Sober Logo
Daggett Shuler Logo

Insurance Dispute Lawyer

Whether it is for auto, life, disability, homeowners or business, insurance is a promise to protect you, your family, or your business from harm. Unfortunately, the promises made in insurance policies are not always kept. At Daggett Shuler, our insurance claim lawyers help you make sure the promise of your protection is kept.

Claim Your Free Case Evaluation

Contact Form

Has your insurance claim been denied? Let our attorneys fight for you

Insurance policies are complex. Most insurance benefits have significant filing requirements. It is generally up to you to make the claim โ€“ no one at the insurance company is going to tell you where to look to collect on your claim.

If youโ€™ve been injured or experienced the death of a loved one, there may be an insurance policy that promised to protect you and your family. But, you must first identify and understand the coverage available to you and meet many strict requirements and jump difficult legal hurdles.

If youโ€™ve had a loss to your property, or a business loss or dispute, an insurance policy may exist to protect you from further harm. But again, you must be able to identify what insurance exists and how you may be protected.

In almost every case, when you need insurance the most is when you are most vulnerable โ€“ when youโ€™ve experienced a loss. At that moment, an insurance company is rarely on your side. Insurance companies do not always keep their promises the way we were taught. If youโ€™ve experienced a personal or business loss, rest assured that at Daggett Shuler, you can depend on us to make sure that a promise made is a promise kept.

Have You Received the Life Insurance Settlement To Which You Are Entitled as a Beneficiary?

Every year, millions of dollars in life insurance benefits go uncollected. When a loved one dies, families are often unaware that life insurance benefits even existโ€”let alone where the actual policy is located. This can be a serious problem, because many policies have very strict time limits within which to submit a claim. In addition, there are โ€œProof of Lossโ€ forms, insurance papers, supplemental documents, and other legal hurdles.

If you have lost a loved one, make sure you get the life insurance benefits that take care of your family, children, and loved ones. Many times, these benefits are essential to your own well-being, comfort, and support.

Get help if your life insurance policy benefits were denied

Many beneficiaries of life insurance policies have experienced having their life insurance benefits being denied. When you take out a life insurance policy, you pay into it with the expectation thatโ€”when you or your spouse dieโ€”your benefits will be dispersed as discussed. Unfortunately, some of the nationโ€™s largest life insurance companies are notorious for denying life insurance benefits from a significant number of beneficiaries.

Life Insurance Companies Fail to Notify Beneficiaries

When a loved one dies, families are often unaware that life insurance benefits even existโ€”let alone where the actual policy is located. This can be a serious problem, because many policies have very strict time limits within which to submit claims. In many cases, insurance companies try to avoid paying out life insurance benefits owed to beneficiaries. Too many Americans are unfairly denied the life insurance benefits to which they are entitledโ€“even if it is due to negligence on the insurance companyโ€™s behalf.

One standard technique used by insurance companies to deny policy benefits involves failing to notify a beneficiary that a deceased loved one had a life insurance policy. In most cases, the insurance companies are aware that a policy-holder has passed away but fail to notify beneficiariesโ€”ignoring evidence in their files and avoiding a major payout.

If a beneficiary never comes forward to request benefits, the insurance company will cancel the policy after an allotted time and keep the profits for themselves. This intentional negligence could impact millions of life insurance policies throughout the United States.

What if my long-term disability insurance benefits have been denied?

Insurance policies are complex. Most insurance benefits have significant filing requirements. It is generally up to you to make the claim โ€“ no one at the insurance company is going to tell you where to look to collect on your claim.

If youโ€™ve been injured or experienced the death of a loved one, there may be an insurance policy that promised to protect you and your family. But, you must first identify and understand the coverage available to you and meet many strict requirements and jump difficult legal hurdles.

If youโ€™ve had a loss to your property, or a business loss or dispute, an insurance policy may exist to protect you from further harm. But again, you must be able to identify what insurance exists and how you may be protected.

In almost every case, when you need insurance the most is when you are most vulnerable โ€“ when youโ€™ve experienced a loss. At that moment, an insurance company is rarely on your side. Insurance companies do not always keep their promises the way we were taught. If youโ€™ve experienced a personal or business loss, rest assured that at Daggett Shuler, you can depend on us to make sure that a promise made is a promise kept.

How do you file a claim for long-term disability?

Most employer-sponsored plans have specific procedures that must be followed in order to file a claim for long-term disability benefits. Once a claim is filed, and then the claims administrator, which is usually an insurance company, has a certain amount of time to investigate and make a decision on the claim. If the claim is denied, then an individual usually has the right to challenge the decision through an administrative appeal. An individualโ€™s rights and the procedures that must be followed for the appeal are specified in the ERISA statute and the benefit plan. If an individualโ€™s claim is ultimately denied through the available administrative appeals, then the only recourse is to file a lawsuit under the ERISA statute.

When do you need a long-term disability attorney to help with your claim?

Most individuals are able to file a claim for disability benefits without the help or assistance of a long-term disability attorney in North Carolina. Frequently, personnel from the employerโ€™s human resources or benefits department can help an employee get the process started by filing a claim. However, if the claim is denied, then an individual should seek the advice and counsel of a long-term disability lawyer. This is because the administrative appeal process is fraught with traps and pitfalls. The single most important pitfall is the failure to develop the administrative record during the appeal process. If this happens, then a case can be irreparably harmed for future litigation. This is because the administrative record is generally the only evidence a reviewing court will consider and the record is closed at the end of the administrative appeal process. Consequently, a claim has to be prepared for litigation during the administrative appeal process.

Daggett Shuler can help you with your long-term disability case

True stories from our clients' life insurance policy beneficiaries being denied

Here are true stories from Daggett Shuler clients who faced life insurance claim denials. Once Daggett Shuler got involved, we were successful in securing the full benefits for these life insurance policy beneficiaries.

Denied Employee Life Insurance Benefits

Our clientโ€”a business executiveโ€”received life insurance coverage as an employee benefit. When he was diagnosed with terminal cancer, he attempted to collect on the policyโ€™s accelerated death benefit but was denied by the insurance company. The life insurance claim lawyers at Daggett Shuler were able to successfully able to overcome the denial and obtain the full amount of the life insurance coverage for our client. This allowed him the comfort of getting all his affairs in order earlyโ€”so his family could avoid sorting things out later. He very much appreciated the comfort provided.

Life Annuity Benefits Lost

Our clientโ€™s father thought he purchased a life annuity that would pay benefits to his children upon his death. Unfortunately, the financial institution/insurance company that was supposed to issue the annuity failed to put necessary provisions in place. Upon his death, all potential annuity benefits were lost. The life insurance claim attorneys at Daggett Shuler were able to enforce the terms of the annuity and recover the full amount of the life benefits payable to our clientโ€”as well as his brothers and sisters. Our clients would have received no benefits without our help, knowledge, experience, and intervention.

Life Insurance Benefits Denial Based on Accidental Death

Our clientโ€™s wife went to her doctor for a preventive screening procedure. During the procedure, she sustained an injury and subsequently died. Our client made a life insurance claim on a policy he and his wife had purchased many years earlier. That claim was denied based on an exclusion for accidental death. The life insurance claim attorneys at Daggett Shuler successfully overcame the denialโ€”securing payment of full life insurance benefits for our client.

Life Insurance Claim Denial on a Technicality

When our client started her new job, she enrolled herself and her husband in the companyโ€™s life insurance program. When her husband passed away a short time later, the company denied her claim for life insurance benefits based on an administrative technicality. The Life Insurance Lawyers at Daggett Shuler were able to overcome the denial and collect the life insurance benefits she had purchased.

If you are the beneficiary of a life insurance policy and your claim was denied, let us support you during this difficult time. Our award-winning life insurance benefits lawyers can give you the peace of mind you needโ€”with the legal guidance that is required to secure the life insurance benefits you deserve.

Daggett Shuler Logo
Daggett Shuler Attorneys 2025

Client Reviews

If you are the beneficiary of a life insurance policy and are dealing with a life insurance policy denial, let us support you during this difficult time. Our award-winning life insurance benefit denial lawyers can give you the peace of mind you needโ€”with the legal guidance that is required to secure the life insurance benefits you are entitled to. We have offices conveniently located in both Winston-Salem and Greensboro, North Carolina. If you cannot get to us, let us know. We can come to you.

Thank You for Everything

I would like to take time to thank the staff at Daggett Shuler Attorneys at Law. To Megan Youngblood for helping me get my disability started; thank you so much for everything!

Olivia Winston

Outstanding

My experience with Daggett Shuler was amazing. James Cohn was the attorney I worked with for my workersโ€™ compensation claim. He is an awesome attorney. I was injured while on the job performing my duties with a local company, and the next Monday was fired because they did not want to pay my medical bills. After going to Daggett Shuler they looked after me throughout the process. The Daggett Shuler team was outstanding in their professionalism and empathy.

Dow Hines

Daggett Shuler Will Have Your Back

I was expecting it to take years to get disability and Daggett Shuler went above and beyond to get it as quickly as possible. They got the disability awarded in 6 maybe 8 months tops. I would recommend Daggett Shuler to anyone filing a disability claim. These guys will have your back for sure!

Noah Whittington

Made the Process Easy

From the time I called to the time everything was settled, Daggett Shuler made the whole process very easy. Griff was my attorney; he was very professional and handled my case very well. Iโ€™d recommend them for anyone in need of this service.

Lance Starling

Totally Awesome

My wife got approved for social security disability in 6 months with no appeals or denials. These guys are totally awesome. Totally recommend them for anything.

Steve Yates

Made the Process Easy

I was referred to Daggett Shuler by a family member and Iโ€™m glad they did! From the time I called to the time everything was settled, they made the whole process very easy They were very professional and handled my case very well. Iโ€™d recommend Daggett Shuler for anyone in need of this service.

Lance Starling

Went Above and Beyond

I have had really low vision my whole life and recently got to the point to where I couldnโ€™t work anymore. I was expecting it to take years to get disability and they went above and beyond to get it as quickly as possible. I would recommend Daggett Shuler to anyone filing a disability claim. These guys will have your back for sure! I wouldnโ€™t trust anyone else with your claim! Seriouslyโ€ฆ These guys are the best.

Noah Whittington

Outstanding Team

I was injured while on the job performing my duties with a local company, and the next Monday was fired because they did not want to pay my medical bills. After going to Daggett Shuler and being accepted for my claim, they took me in as family and looked after me throughout the process. The Daggett Shuler team was outstanding in their professionalism and empathy. David Daggett and Griff Shuler have put together an outstanding team.

Dow Hines

Very Helpful

Everyone was very helpful with my case, any questions I had were answered quickly and I could tell they really had my best interest in mind always.

Brittany Revalee

Fantastic Experience

I had a fantastic experience with Daggett Shuler. The dedication and professionalism shown throughout the process were truly remarkable. The way you handled every aspect of my situation put me at ease and instilled confidence in the outcome. Iโ€™m grateful for the expertise and support you provided. Thank you for your outstanding service!

Mansour Mansour

Couldn't Be More Pleased

A wonderful law firm who personally takes care of your issues. Workersโ€™ Comp can be a nightmare in so many ways so it is good to have an exceptional attorney with that experience guiding you through the process. Griff Shuler was my attorney and I couldnโ€™t be more pleased with the way he handled my case.

Pat Bovender

Awesome Staff

Awesome staff and very friendly. Took care of my needs without hesitation and helpful in every aspect! Thank you guys for all your hard work!

Cameron Dahmer

Have a question?

Talk with us for free

Contact us today to get started with a free, no-obligation consultation.

You Can Depend On Us

Contact Form

Serving People Across North Carolina

Contact the attorneys at Daggett Shuler today for a free, no-obligation consultation. You can depend on us.