Accidental death & dismemberment insurance is insurance designed to pay out a lump sum if you've suffered an accident such as the loss of a limb, loss of total vision, or even death.

Accidental death and dismemberment claims are most frequently denied for 2 main reasons:

- Was the injury suffered an accident? This can be fairly controversial, and what you might think as an accident isn't always recognized as such.
- Is there a total loss of use? For instance, did the accident leave the claimant in a wheelchair permanently or is there some mobility remaining?

Insurance companies often take a hard line with the two above points and will deny claims that are either deemed not accidental or in which the claimant still has some use over their mobility.

If you've been denied your mortgage disability claim, visit the Accidental Death & Dismemberment page to learn more. You're not alone in this. Share is there.