Our law firm recently represented a client whose claim for life insurance benefits was denied without a proper explanation. Our client’s ex-husband left her as a beneficiary on his life insurance policy after their divorce. A year after his death, however, the insurance sent her a denial letter. Our client came to us after she received the letter which simply stated: “We regret to inform you that you are not the beneficiary since you were no longer married to [the insured] at the time of his passing. Benefits will be paid according to the terms of the policy.”
Our client was confused since the denial letter did not refer to any law about revoking life insurance beneficiaries automatically upon divorce. We were successful in appealing the denial of her benefits and our client received her check within three months of the denial.