San Diego Life Insurance & AD&D Claim Lawyer
Insurance denied the claim? We’re here to change that.
At Dorian Law, we help families in San Diego fight back when life insurance or accidental death benefits are unfairly denied. These are more than just policies—they’re promises. And when insurers try to break them, we step in.
From Mission Valley to La Jolla, East County to Chula Vista, we know how insurance companies operate in Southern California—and we know how to hold them accountable.
Why San Diego Families Choose Dorian Law for Life & AD&D Claims
This is all we do.
We focus 100% on denied life, AD&D, and disability insurance claims—so when your case hits a wall, we know exactly how to move it forward.
Whether you’re a veteran dealing with SGLI/VGLI, a UCSD employee with a group plan, or a loved one navigating a FEGLI denial after a federal worker’s passing, we’ve seen the tactics insurers use—and we know how to push back.
Here’s how we help:
We take over the appeal process
We investigate and build your case
We challenge exclusions, delays, and red tape
You’re not just hiring a lawyer—you’re gaining a committed advocate:
✅ 20+ Years of Focused Experience
We’ve handled thousands of life and accidental death disputes, including complex employer and military-linked claims.
✅ Fluent in ERISA, SGLI, and California Law
Whether your policy falls under state law, federal rules, or ERISA, we’ll guide you through every step.
✅ Contingency Representation
You don’t pay unless we recover. No fees up front. No surprises.
✅ Personalized Legal Strategy
We don’t do cookie-cutter. We listen, we explain, and we fight like it’s our own family.
This may be your first time dealing with a denial. It’s not ours. Let’s talk.
How Life & AD&D Insurance Denials Play Out in San Diego
Insurance companies are good at finding ways to say no. That’s especially true in cities like San Diego, where policies often come from:
Military service (SGLI, VGLI, DoD contractor policies)
Federal employment (FEGLI or government-sponsored plans)
Major regional employers (Scripps, UC San Diego, defense contractors)
Private policies tied to aging populations in East County or North County
We regularly see insurers deny valid claims based on:
So-called misstatements in the application
Disputes over whether a death was “accidental”
Allegations of lapsed coverage or non-payment
Conflicting beneficiary designations
Exclusions tied to service-related conduct or substances
Whether your loved one died in an accident, while serving, or due to health complications, we know how to evaluate what’s real—and what’s just insurer deflection.
If your claim was denied, delayed, or under investigation, it’s time to bring in legal firepower.
What Makes San Diego Life & AD&D Claims Unique
✅ Military & Veterans Insurance Denials
We can help spouses and families challenge denials under SGLI and VGLI—including claims involving separation issues, service-related exclusions, and alleged misconduct. We don’t let technicalities block valid benefits.
✅ ERISA-Governed Group Policies
Many San Diegans have life or AD&D insurance through an employer. These policies are often governed by ERISA, which limits your rights but gives us clear tools to challenge improper denials.
✅ Disputes Over “Accidental” Death
Was it a heart attack, overdose, or accident? Insurers often try to reframe deaths to fit policy exclusions. We work with experts to fight back.
✅ Beneficiary Conflicts
Changes in family structure—divorce, remarriage, children from previous relationships—can lead to uncertainty around who’s entitled to benefits. We resolve these issues, legally and strategically.
✅ Application “Errors” During the Contestability Period
If your loved one passed away within two years of starting the policy, the insurer may try to rescind coverage over alleged misstatements. We scrutinize these denials closely—and often find they don’t hold up.
We can help families from Oceanside to National City, and we’re ready to help yours.
How We Work
When your claim is denied, the last thing you need is more bureaucracy. Here’s how we make this easier:
✅ Appeals & Evidence Building
We gather the records, speak with experts, and craft a legal argument that responds directly to the insurer’s reasoning.
✅ Administrative Review or Lawsuit—We Do Both
If your case qualifies for appeal under ERISA, we’ll build the administrative record. If the insurer won’t budge, we’ll take it to court—and we know the Southern District of California well.
✅ Clear Communication
You’ll never be in the dark. We explain the process, give honest advice, and treat you with respect.
✅ Supportive, Strategic Legal Help
We handle every claim like it matters—because to you, it does.
FAQs – San Diego Life & AD&D Insurance Claims
Can you help with a claim tied to Camp Pendleton, MCAS Miramar, or the Navy base?
Absolutely. Military-linked claims are a part of our practice.
What if the policy was through UCSD Health or another local employer?
We know how to effectively represent employees of UCSD, Scripps, Qualcomm, and other major regional employers. Most of these claims fall under ERISA (not UCSD), and we know how to navigate that process.
Is suicide or drug use always excluded under AD&D policies?
Not always—and even if the policy includes those exclusions, insurers must prove that they apply. Many denials we see are based on guesswork, not fact.
Do I need to come into your office?
No. We represent clients throughout San Diego County and across California remotely. You’ll get full-service representation by phone, email, and video.
Free Consultation for San Diego Claimants
If your life or AD&D insurance claim was denied in San Diego, you don’t have to fight alone. We’re here to make sure the insurance company doesn’t get the final word.
✅ Free Case Evaluation – Talk to a real attorney, no strings attached
✅ Contingency Fee Available – You only pay if we recover
✅ California-Based, San Diego Ready – We know this jurisdiction, this law, and these insurers
📞 (747) 297-7409
💻 Contact us online
Let’s make sure your family receives what was promised.