Insurance and pension

Insurance and Pension Law in India deals with claims, disputes, and regulations related to life insurance, health insurance, general insurance, and employee pension schemes. At TMS Law Associates, we provide strategic legal assistance to policyholders, retirees, corporations, and insurance companies in resolving claims, disputes, and compliance issues under relevant laws and regulatory frameworks.

Our team ensures your financial rights are protected, whether you are filing a claim, contesting a denial, or navigating pension disputes.

We offer legal services across a wide range of insurance and pension-related issues, including claim settlements, policy disputes, mis-selling, delayed payouts, and EPF/ESI-related matters. Our expertise extends to IRDAI regulations, EPFO schemes, and pension reforms applicable to government and private employees.

We represent clients before Consumer Commissions, Insurance Ombudsman, Labour Authorities, and High Courts, as needed.

At TMS Law Associates, we believe in early intervention, proper documentation, and aggressive legal follow-up when your rightful dues are denied or delayed. We help clients understand their entitlements under the policy or scheme, build a strong legal case, and pursue relief through the most effective forum.

We assist with:

• Denial or delay of insurance claims (life, health, or general)

• Disputes related to insurance coverage, lapses, or exclusions

• Mis-selling or unfair terms in insurance contracts

• Litigation against insurers for bad faith or deficient service

• EPF and pension payment delays or miscalculations

• Representation before the Insurance Ombudsman or Consumer Forum

• Advice on employer pension schemes, superannuation, and annuities

• Legal notices and regulatory representations under IRDAI and EPFO