Life Insurance Claim Recovered From Employer and Insurer

Our clients were designated beneficiaries on their mother’s life insurance policy. Their mother had a group life insurance policy through her employer. However, after their mother’s death the insurer refused to pay the claim stating that there was no coverage at the time of the death because she stopped working full-time and the coverage was not available to part-time employees.

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$1 Million Paid After Claim Was Denied Due To Policy Lapse

Our clients, the widow and the three children of the insured, were devastated when their life insurance claim was denied after the sudden death of their father and husband. They called us in despair, because both the death and the denial were completely unexpected.

The insured had a $1 million policy that had been in effect for less than 2 years at the time the insured died. The insurance company denied the claim based on a lapse. The beneficiaries were informed that the insured failed to make a monthly premium payment and the policy had lapsed before he died. Therefore, the company claimed, there was no coverage at the time of his death. This was a complete shock for his surviving spouse, who never received any notices from the insurance company about the impending lapse.

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Waiver of Premium Claim Denial Paid

Our client contacted our law firm after the life insurance claim on her deceased mother was denied by a major insurance company. The insured in this case had life insurance coverage and disability coverage through the same insurer. Since she was totally and permanently disabled, she qualified for a waiver of premium benefit – no life insurance premiums were needed in order to maintain the coverage.

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Claim Delayed Due to Contestability Check

Our client came to us for help with her delayed life insurance claim. She was the sole beneficiary on her fiancé’s policy. The policy was less than two years old when her fiancé tragically died in an accident. As with any policy that is less than two years old, the insurance company started a contestability check. Contestability investigation is a standard procedure in cases where the insured dies within the first two years of the policy’s effective date. The insurer usually checks the decedent’s medical, employment and criminal records to make sure no misrepresentation was made on the application. Such investigation may take a long time in cases where the beneficiary is not a family member and cannot sign proper authorizations for records release. Such claims may be delayed indefinitely if not handled properly.

Soon after her fiancé’s death, our client filed a life insurance claim and complied with all the requests the insurance company made. However, no payment was made after 6 months. She contacted us for assistance. Our life insurance attorney who worked on the case reviewed all the records and worked with the insurance company’s legal department to expedite the payment. Our life insurance law firm professionally and aggressively handled this delay which resulted in a prompt payment of the claim. The claim was paid within 30 days from the time the client retained us.

At our law firm, we know what insurance companies look for when they contest policies. When we work on your claim that is in review, we handle all the correspondence and communications with the insurance company directly. When your claim is delayed for more than 30 days, contact our life insurance lawyers for a free consultation.

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