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


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