Potential Reasons for the Denial of a Life Insurance Claim

Web Admin - Monday, May 14, 2018
Deer Park life insurance claim attorneyWhile few people like to think about death, the fact remains that everyone will die at some point, and many people make plans for this eventuality and ensure that their loved ones will be provided for after their death. A life insurance policy can offer peace of mind in this regard, providing the promise that one’s family members will receive benefits after their death. However, it is important to be aware that insurance companies may deny life insurance claims for a variety of reasons, including:

- Unpaid premiums - If a person fails to pay the premiums on their policy, the policy may lapse, and the insurance company may terminate the policy and deny any claims. However, insurance companies are required to send notice to a policyholder and provide a 30 day grace period before canceling a policy.

- Type of death - Some policies include exclusions for deaths that occur in certain situations. For instance, many policies exclude suicides from coverage for a certain period of time, and policies may also contain exclusions for a death which occurred as an act of war or when a person was participating in high-risk activities such as skydiving or mountain climbing. A claim may also be denied if someone died while participating in criminal activity.

- Health issues - Life insurance policies often contain a period of contestability, which is usually the first two years after the policy was initiated. If a person is found to have certain health issues, such as high blood pressure, after dying within the contestability period, the insurance company may deny the claim.

- Living outside the U.S. - Many policies only provide coverage if a policyholder is living in the United States at the time of their death.

The primary reason claims are denied is because of material misstatements made by a policyholder on their life insurance application. These types of statements may include incorrect or omitted information about a person’s health, including any chronic conditions, unhealthy habits (such as smoking), or other medical issues. To avoid the denial of a claim, it is important to be truthful on an application and provide complete answers to all medical questions.

Contact a Buffalo Grove Life Insurance Attorney

When your family has a life insurance policy, you expect to be able to receive the benefits from this policy in the event of a family member’s death. If your claim has been denied, the attorneys of Drost, Gilbert, Andrew & Apicella, LLC can help you understand your rights and work to ensure that you receive the benefits you deserve. Schedule a personalized consultation with an Arlington Heights insurance dispute lawyer today by calling 847-934-6000. 

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.


Understanding Your Rights During an Insurance Claim Dispute

Web Admin - Thursday, August 24, 2017

Illinois insurance dispute lawyersFew things are as frustrating and confusing as a denied or reduced insurance claim payout – but did you know that you can dispute the decision? Additionally, consumers have certain rights, afforded to them by law, when dealing with their insurance companies. Learn more about those rights, and how an experienced insurance dispute attorney can assist with the appeals process, with help from the following information.

Your Right to Appeal a Decision

Regulated by the state of Illinois, insurance companies cannot force you to take a low settlement, nor can they prevent you from appealing their decision to deny a claim. Instead, you have the right to dispute your offer or denial. Typically, this is first done over the phone or in writing. Unfortunately, insurance agents and brokers can make things sound more complicated than they really are, and they may even dismiss your attempts at a resolution. As such, it is highly recommended that consumers turn to someone with an understanding of the complex and nuanced insurance laws - someone like an experienced insurance dispute lawyer. 

Your Right to an Expedient Resolution

Although insurance companies can (and often do) attempt to delay payouts, they are required to expediently resolve your claim. If they cannot do this, they must provide you with a reason for the delay. Of course, insurance companies can give almost any reason for a delay – even a seemingly frivolous one – and expedient under the law may not mean the same thing as a quick settlement after an accident (especially when you are out of work or disabled). As such, consumers are encouraged to seek assistance from an experienced insurance dispute lawyer.

Your Right to Fair Processing of a Claim

While in the process of filing a claim, or when trying to file a dispute, it might appear that the insurance companies are trying to complicate things as much as possible. However, laws forbid them from forcing you into unnecessary steps or paperwork. They also cannot force you to accept a settlement to receive the payout on another one (i.e. if your home and auto insurance are covered by the same company), and they cannot discriminate you based on ethnicity, gender, age, or other protected statuses. If you believe your insurance company is treating you unfairly, you not only have the right to appeal their decision, but you may also file a complaint.

Contact Our Des Plaines Insurance Dispute Lawyers

If you or someone you love is facing a denied, delayed, or reduced insurance claim, contact Drost, Gilbert, Andrew & Apicella, LLC for assistance. Highly experienced and dedicated to your best interest, our Des Plaines insurance dispute lawyers will fight for the most favorable outcome possible. Learn more by scheduling a personalized consultation. Call our offices at 847-934-6000 today.

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.




Recent Posts


Chicago traffic lawyer trustee Illinois personal injury lawyer Illinois Human Rights Act employment law, Illinois employment laws DNR Illinois workplace lawyer TBI marijuana medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Chicago attorney traffic violations Crystal Lake traffic lawyer car collision insurance negligence wrongful termination Chicago employment attorney traffic tickets liability Buffalo Grove personal injury attorney power of attorney Illinois criminal defense attorney Illinois Wage Payment and Collection Act Illinois insurance lawyer Schaumburg drug defense lawyer bicycle dooring accidents Long Grove wills and trusts attorneys Crystal Lake insurance lawyer FSLA Illinois personal injury lawyers DUI defense employees traffic deaths Illinois home inspection fiduciary rule delay Arlington Heights personal injury attorney employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, license reinstatement Crystal Lake car accident lawyer insurance claim denial Illinois traffic accident lawyer criminal defense Schaumburg construction accident lawyer holiday statistics Buffalo Grove injury lawyer Rolling Meadows accident lawyer medication errors contracts unpaid assessment Illinois civil litigation lawyer Rolling Meadows traffic attorney Illinois medical malpractice case Chicago will attorney, social media platforms, Illinois estate planning lawyer, caregiver estate attorney commercial leases PTSD Illinois estate planning law firm life insurance policy Barrington employment law firm Fourth of July Illinois car accident attorney right to work Crystal Lake civil litigation lawyer employee discrimination Schaumburg Attorney car accidents installment contracts criminal law Barrington criminal defense lawyer in terrorem provision distracted driving accidents job lawyers Forcible Entry Illinois job attorney Illinois bicycle safety Illinois insurance dispute lawyers condo association manufacturing DMV pizza emoji Des Plaines criminal attorney gift taxes suspended license drunk driving Arlington Heights personal injury lawyer Arlington Heights Attorney fiduciary rule healthcare Mount Prospect real estate lawyer Illinois medical malpractice lawyers Illinois probate lawyer Schaumburg probate attorney dealing with problem employees Crystal Lake will lawyer employment contract pet bites Rolling Meadows corporate lawyer drug crimes lawyer license Buffalo Grove employment lawyer Barrington medical malpractice lawyers Illinois wills and trusts Crystal Lake employment lawyer trauma after an accident Illinois employment laws college kids premises liability car accident lawyers Illinois insurance claim dispute lawyers rollover accidents Rolling Meadows drug defense attorney bike accident Buffalo Grove corporate attorney Palatine civil litigation lawyer Affordable Care Act Palatine personal injury lawyer dynasty trusts Crystal Lake traffic attorney civil litigation natural gas estate planning trusts Palatine corporate law attorneys Des Plaines pet law attorney Illinois estate planning attorney food poisoning Mount Prospect wills and trusts lawyers insurance denial appeals traffic violations defense Illinois trucking safety Illinois will lawyer Mt Prospect Attorney Illinois real estate lawyer investment property golf accidents cell phone tower data personal injury law firm agent federal regulations for LLCs POA rollover car crashes IRELA Super Mario Barrington Traffic Lawyer Rolling Meadows Schaumburg elder law lawyer Arlington Heights car accident lawyer Deer Park employment law attorney Palatine corporate attorney boating accidents field sobriety test elder law social media after death Arlington Heights TBI attorney Employment Discrimination Law landlord personal injury South Barrington real estate lawyer license suspension startup company Barrington workers compensation attorney Chicago trucking accident attorney Illinois traffic laws Chicago insurance law firm insurance agents Schaumburg employment law attorneys creditors Crystal Lake law firm estate planning attorney trust payments digital media accounts, estate planning, Arlington Heights estate planning attorney, crossover accidents car accident lawyer underfunded trust underinsured motorist Illinois elder law attorney Rolling Meadows marijuana attorney real estate closing guardianship attorney Deer Park criminal attorney Crystal Lake medical malpractice attorneys Schaumburg insurance lawyers BAC life insurance claims Des Plaines real estate attorney pet law Schaumburg corporate attorney institutional trustee boating under the influence Crystal Lake criminal defense attorney living trust vs will Barrington personal injury attorney Des Plaines drug lawyer murder charges Colin Gilbert condo trucking accidents estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, Illinois Workers’ Compensation Commission DUI Arlington Heights lawyer Schaumburg personal injury lawyers car crashes Barrington litigation attorney Rolling Meadows employment attorney distracted driving accident victims liability claims denied insurance claims Home Remodeling Repair Act personal injury lawyer Crystal Lake medical malpractice law firm Crystal Lake bike accident lawyer mortgage Kenilworth estate planning attorney hit and run accident Palatine employment law lawyer Rolling Meadows medical malpractice lawyers Buffalo Grove probate lawyer Illinois business law atorneys criminal record Legal Info Chicago car accident lawyer insurance claim denials Illinois workplace discrimination attorney hiring employees personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Illinois Transfer on Death Instrument Palatine law firm Joliet general practice lawyers accidental death benefits Buffalo Grove real estate attorney subcontractor Chicago employment lawyer Inverness elder law lawyer Family Medical Leave Act defective products unauthorized overtime Arlington Heights employment attorney Long Grove estate planning Illinois employment attorneys ken apicella jet ski Palatine insurance lawyer Home Sale Contingencies Rolling Meadows tax attorney Buffalo Grove personal injury lawyer denied insurance claim Chicago corporate attorney Palatine business attorney Barrington estate planning lawyer truck collisions medical research Des Plaines DUI attorney Schaumburg employment attorney employment lawyer compensatory time Palatine employment lawyer Rolling Meadows litigation lawyer digital information civil litigation attorney Arlington Heights traffic attorney surgical mistakes traffic offenses Federal Food Drug and Cosmetic Act Illinois lawyer Detainer Actions Schaumburg estate attorney real estate attorneys Illinois defective products attorney sexual harassment medical marijuana wage theft motorcycle accident lawyer Do Not Resuscitate Buffalo Grove traffic attorney employment attorney texting while driving Illinois employee rights attorney. Mount Prospect elder law attorney Arlington Heights real estate lawyer Barrington drug crime attorney Inverness DUI lawyer Crystal lake insurance dispute attorney Illinois Probate Act of 1975 wills and trusts head on collisions personal injury attorney Crystal Lake employment law attorney Illinois traffic attorneys Palatine real estate lawyer Crystal Lake pedestrian accident lawyer operating agreements Illinois wrongful termination lawyer first degree murder foreclosure Attorney Ken Apicella Rolling Meadows boating crash lawyer Des Plaines tax law firm Arlington Heights wills and trusts lawyer Inverness corporate attorney Crystal Lake personal injury attorney overtime pay speeding Schaumburg civil litigation attorney small business severance agreements Rolling Meadows criminal attorney real estate zoning construction accidents filing a medical malpractice claim Des Plaines personal injury attorney Arlington Heights estate planning attorney license revocation Chicago estate planning Barrington estate planning attorney Illinois living will Palatine construction attorney natural gas explosion auto accidents jet ski accidents digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers Rolling Meadows insurance dispute lawyers, insurance dispute Illinois workers compensation lawyer blood alcohol content taxes Crystal Lake car accident attorney loss of consortium Schaumburg criminal law attorney pedestrian accident drug crimes Arlington Heights car crash attorneys Illinois driving without license South Barrington real estate attorney drunk driving statistics business litigation overtime violations wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace employment law Thanksgiving Barrington personal injury lawyer breach of contract wrongful death senior citizens liens Barrington civil litigation attorney Illinois collections attorney Policy Cancellation Arlington Heights medical malpractice lawyer Des Plaines accident attorney Illinois real estate residential real estate revenge porn probate claims BAIID icy parking lots murder defense Rolling Meadows Attorney personal injury claim power of attorney for healthcare Arlington Heights trucking lawyer pregnant women spinal cord injury pedestrian accidents CAM Illinois tax attorney sexual images commercial real estate car accident Barrington criminal lawyer health insurance dispute insurance dispute attorney rent to own real estate contracts back injuries Schaumburg personal injury lawyer eluding a police officer automated cars Illinois traffic ticket lawyer Palatine drug lawyer digital evidence Long Grove real estate attorney traffic accidents Fair Labor Standards Act probate process IRA trust transfer pedestrian injuries, pedestrian fatality Long Grove real estate lawyer Crystal Lake injury attorney commercial leasing reckless homicide Rolling Meadows probate lawyer real estate leasing Palatine estate planning lawyer Palatine probate lawyer landlord tenant law Rolling Meadows Traffic Lawyer workers compensation benefits workers compensation Des Plaines motorcycle accident attorney life insurance income distribution deducation trusts unpaid overtime owner responsibility attorney fees preventing accidents corporate law denial of life insurance driving Rolling Meadows business lawyer Barrington Illinois estate planning lawyer Schaumburg estate planning lawyer Arlington Heights injury attorney Class A misdemeanor insurance disputes Des Plaines civil attorney employee rights trench injuries Des Plaines injury law firm Illinois employment lawyer personal injury accidents Illinois employment law attorneys Palatine criminal defense lawyer appealing an insurance claim Illinois jet ski accident lawyer Arlington Heights wills and trusts attorneys Illinois Smoke Detector Act digital assets Illinois attorney employee misclassification probate Illinois pet lawyer product liability Barrington business law firm privacy laws Illinois employment law attorney consent to a search Chicago insurance claim attorneys traffic crimes Buffalo Grove car accident lawyer Retaliatory Discharge unfunded trust Illinois employment law firm products liability estate planning federal crimes Schaumburg car accident attorney expungement controlled substance Crystal Lake personal injury lawyer insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Des Plaines drug crimes lawyer Illinois Sales Representative Act Palatine traffic lawyer Illinois wills and trusts attorneys dog bites Des Plaines personal injury lawyers real estate attorney Illinois registered agent cell phone Arlington Heights wills and trusts lawyers traffic laws Rolling Meadows estate planning attorney insurance agent negligence changes to mortgage law Transfer on Death Instrument estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Arlington Heights insurance attorney living trust insurance claim delay pain and suffering Illinois insurance disputes paid sick leave Rolling Meadows traffic law firm Kenilworth estate planning lawyer no contest clauses boating DUI slip and fall accidents vacation home fines insurance denials Illinois employment law new real estate form estate tax insurance adjusters Illinois construction accident attorney deadly crashes Schaumburg estate planning attorney Crystal Lake accident attorney Deer Park accident attorney Rolling Meadows insurance lawyer ObamaCare Deer Park DUI lawyer financial advisors Des Plaines personal injury lawyer Buffalo Grove traffic lawyers Illinois trusts attorney Arlington Heights tax lawyer real estate contract meal breaks mass shooting Barrington employment attorney llinois Real Estate Lawyers Association pedestrian-automobile accident drug crime work unions Palatine employment attorney Inverness probate lawyer Illinois red light cameras Buffalo Grove criminal defense lawyer car crash injuries Food and Drug Administration's Food Safety Modernization Act Rolling Meadows personal injury attorney medical malpractice Deer Park motorcycle accident lawyer anesthesia errors hands free device Deer Park personal injury lawyer Des Plaines Rolling Meadows insurance dispute lawyers Rolling Meadows criminal lawyer Illinois insurance claim attorney Inverness civil lawyer spinal cord injuries probate lawyer Palatine civil attorney healthcare claims Illinois traumatic brain injuries preventable medical errors insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys Inverness insurance attorney advance healthcare directive texting and driving traumatic brain injury Schaumburg internet Illinois mortgages Des Plaines collections attorney Crystal Lake pet attorney LLCs insurance attorney tax attorney rumble strips Long Grove estate planning attorney Illinois LLC creation Inverness real estate lawyer Illinois DUI attorney drug possession real estate Chicago estate planning lawyer Schaumburg injury lawyer DGAA BUI Deer Park traffic accident attorney estate planning lawyer Crystal Lake tax lawyer Illinois medical malpractice attorney Palatine trusts lawyer wills uninsured motorist caretaker rights construction contracts defective products lawyer Illinois personal injury attorney bad faith insurance claims slip and fall Schaumburg medical malpractice lawyer Rolling Meadows car accident lawyers trucking accident lawyers Illinois speeding lawyer Illinois insurance attorney employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys comparative negligence Palatine Attorney car crash Chicago lawyer Schaumburg personal injury attorney capital gains tax dram shop law Buffalo Grove medical malpractice lawyers insurance claim dispute Landlord Tenant Ordinance swimming pools Arlington Heights criminal lawyer minimum wage insurance claims Barrington real estate lawyer Colin H. Gilbert Illinois personal injury drugs Palatine punch death Arlington Heights wills and trusts attorney Illinois insurance claims lawyers Schaumburg criminal attorney workplace sexual harassment rest breaks Rolling Meadows employment law attorneys Des Plaines Traffic Lawyer Exclusions Barrington attorney medical malpractice claims Arlington Heights Traffic Lawyer Inverness accident lawyer GM ignition switches homestead rights Chicago will attorney Illinois estate planning forming a corporation in Illinois Illinois business lawyer Crystal Lake business law attorneys blended families Illinois corporate lawyer problem employees modern family estate planning gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys ACA personal injury claims IRS irrevocable trust Des Plaines medical malpractice attorney Rolling Meadows employment law attorney Illinois small business Rolling Meadows real estate attorney comp time Inverness real estate attorney sole proprietorship estate planning for college students breathalyzer test brain injury Arlington Heights accident attorney probate fees elder abuse disability benefits Illinois pedestrian accident attorney Des Plaines real estate lawyer estate plan Deer Park traffic lawyer Schaumburg wrongful death attorney nursing home negligence pay when paid contract Chicago biking tips motorcycle accident Whistleblower Claims medical malpractice compensation Des Plaines insurance attorney Deer Park workers compensation lawyer Illinois rollover accident lawyers Schaumburg traffic lawyer workers comp Illinois law Rolling Meadows personal injury lawyer Illinois medical malpractice claim Arlington Heights employment law attorneys FMLA deed transfer fault based insurance low-ball insurance settlement cell phone accidents Kenilworth estate planning attorneys privacy Jay Andrew Illinois traffic attorney insurance claim living wills Deer Park real estate law firm Self-Directed IRA Accounts Riverwoods estate planning lawyer Crystal Lake estate planning lawyer foreclosed rental property real estate lawyer Illinois motorcycle accident lawyer Long Grove estate planning attorneys Illinois workers compensation attorney DUI attorney Liquor Control Act School Visitation Rights Act living trust benefits construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation IRA benefits Crystal Lake employment attorney Rolling Meadows personal injury lawyers bicycle accidents involuntary manslaughter Palatine traffic accidents Barrington boating accident attorney Crystal Lake medical malpractice lawyer special needs trust Rolling Meadows insurance attorney Arlington Heights pedestrian accidents child safety Palatine injury attorney Illinois boating accident lawyer Inverness traffic law firm Buffalo Grove insurance claim dispute lawyers Des Plaines claims law firm Illinois injury lawyer Inverness estate planning lawyer Barrington injury attorney Inverness personal injury attorney Palatine elder law attorney fatal car accidents murder loopholes Buffalo Grove law firm Rolling Meadows DUI lawyer civil rights violation Deer Park medical malpractice attorney clemency Barrington employment law attorney vacation home Illinois insurance claim dispute lawyer Inverness injury lawyer home inspection lawyer life insurance lawyer probate claims process DUI penalities whistleblower protections insurance claim dispute attorney Schaumburg real estate lawyer criminal marijuana crimes attorney independent contractor insurance dispute Palatine workers compensation lawyer underage DUI