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


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