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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.



Sources:
https://www.nerdwallet.com/blog/insurance/life-insurance-policy-reject-claim/
https://www.truebluelifeinsurance.com/7-ways-life-insurance-will-not-pay-out/
https://www.protective.com/learning-center/life-101/important-facts/3-reasons-why-your-life-insurance-claim-could-be-denied/

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.


Sources:

http://www.naic.org/documents/consumer_state_reg_brief.pdf

https://mc.insurance.illinois.gov/messagecenter.nsf


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