Life insurance is an important asset in protecting your family’s financial future in case of death.

Many people obtain life insurance coverage through work because such policies are often inexpensive or free and do not require a medical exam. Employer-sponsored life insurance is also convenient, because the insured individual does not have to worry about remembering to make premium payments as they are automatically deducted from the employee’s paycheck.

The amount of life insurance obtained through work depends on the insured person’s salary. Every policy is different and in order to understand your rights as a beneficiary, you need to request a copy of the policy from the employer or the insurance company.

While life insurance companies promise to pay a certain amount of money upon the insured’s death, they often fail to keep their promise and deny life insurance claims after the insured dies.

When this happens, you may be confused and looking for answers. The most common reason for denying a life insurance claim is ineligibility for coverage.

For example, while the insured is alive, his/her employer (HR) assures him/her that there is life insurance coverage in force and the life insurance company collects a monthly premium.

However, after the insured dies, the insurance company refuses to pay claiming that the insured was not eligible for coverage. Some of the most common reasons life insurance companies use in denying claims are:

  • The insured individual did not work full-time at the time of death;
  • The insured individual was retired at the time of death and was not eligible for coverage at all;
  • The insured individual was on a sick leave at the time of death and was not eligible for coverage;
  • The insured individual was disabled at the time of death and was not covered;
  • The insured individual was on a long-term disability leave and did not apply for a waiver of premium;
  • The insured individual was fired from her job and failed to port her coverage;
  • The insured individual stopped working for her employer and failed to convert her group coverage into an individual policy;
  • The insured individual was not covered because he did not work for the employer long enough to qualify for coverage;
  • The insured employee did not submit evidence of insurability to the insurance company.

If an insurance company denies your claim after it wrongfully collected premiums from the insured employee’s paychecks, you should consult a life insurance lawyer.

As life insurance attorneys working exclusively in the area of life insurance law, we understand that such misrepresentations on behalf of insurance companies and employers may result in liability.

However, many people whose life insurance claims have been denied simply give up after unsuccessfully trying to fight a large insurer. As a beneficiary to a group life insurance policy, your legal rights are protected under the law.

You can seek legal help from a life insurance attorney and fight the denial of your claim. You can appeal your life insurance claim denial and sue an insurance company for wrongfully denying your claim.

At Kadetskaya Law Firm, we work for individuals whose claims have been denied by large insurance companies. We have successfully recovered millions for our clients. Our goal is to collect your life insurance claim fast so you can move on with your life. We offer free consultations to beneficiaries whose claims have been denied or delayed.

Call (888) 510-2212 to speak with a life insurance lawyer.