The insured died within 2 years of the effective date of the policy and the Insurance Company started its usual process of contesting the claim Our client, the sole primary beneficiary on the policy, contacted our firm after the Insurance Company refused to pay her claim for more than 3 months. The insurer claimed that it lacked necessary medical records to make a final determination and requested those medical records from the beneficiary. After the beneficiary fully complied with all the requests for documentation, medical records and necessary authorizations, the Company still failed to finalize the claim review. In addition, the insurer alleged a possibility of fraud on behalf of the beneficiary. One of our delayed claims attorneys represented the client against the Insurance Company, expedited the review process which resulted in the claim being paid within a month. The beneficiary was satisfied with the fast results.