When to Call an Attorney to Solve a Life Insurance Dispute

Web Admin - Wednesday, October 17, 2018
Des Plaines life insurance claim lawyerFollowing a death in the family, you could easily find yourself facing a stack of bills and insufficient income to cover them. This can happen even if you have been a careful money manager. If a life insurance payout does not come quickly enough, you could experience severe financial stress on top of everything else. But how do you know when you need the intervention of a lawyer to help you collect on a life insurance policy? Here are a few warning signs to watch out for:

Has it been more than 30 days since you submitted your claim?

Following a death, you must contact the life insurance company and open a claim. Then, you must submit the death certificate and any other documentation and signatures required by the insurance company. When you have completed the claims process, the company should deliver payment to you within a few weeks. If you have contacted the insurance company several times and still have not received payment after 30 to 60 days, and you have not received a clear explanation for the delay, you may need an attorney’s help to cut through the red tape and put some pressure on the company to approve your claim.

Did you buy the life insurance policy less than two years ago?

Life insurance policies typically include a “contestability” clause that allows for policy cancellation and claims denial if, within two years of issuance, the insurer discovers that any material fact was not disclosed during the application process. If the insured dies within two years of obtaining the insurance policy, their original application and other documentation may be carefully examined to see if there were any “material misstatements or omissions.”
For example, if the insured person failed to disclose any medical conditions (e.g., a serious illness such as diabetes, high blood pressure, or depression) or habits (e.g., use of drugs, alcohol, or tobacco), this could lead to a denial of your claim.

The insurance company could spend months evaluating medical records, credit reports, motor vehicle reports, and so on, looking for evidence of a material misrepresentation and a reason to deny your claim. If the two-year contestability period is a factor in your claim, you may need an attorney to speak to the insurance company and convince them that your claim is valid.

Did the insurance company send you a letter of denial?

A life insurance claim may be denied for reasons such as “non-accidental death” or because the policy was rescinded. In many cases, a skillful insurance attorney can help get that denial reversed by conducting an independent investigation of the facts of your case and making a forceful argument to the insurance company.

Consult a Des Plaines Life Insurance Dispute Resolution Attorney 

If you are having problems collecting on a life insurance policy, the intervention of a knowledgeable Palatine life insurance lawyer can help. The attorneys of Drost, Gilbert, Andrew & Apicella, LLC will slice through whatever obstacles are standing between you and your insurance payout as quickly as possible. Contact us at 847-934-6000. We serve clients throughout the northwest suburbs, including Arlington Heights, Buffalo Grove, Crystal Lake, Barrington, and Schaumburg.

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.


Surprise! Your Insurance Company is Not On Your Side

Web Admin - Tuesday, March 07, 2017

Rolling Meadow insurance dispute attorneysIf you are like most consumers, you have seen the feel-good insurance commercials. The insurance companies claim to have only your best interest at heart, and promise to be there when things go wrong. Of course you believe them. After all, you pay your premiums every month. What reason would they have to deny your claim? You might be surprised. 

The Ugly Truth About Insurance Companies

Insurance companies are for-profit businesses, and, like most for-profit companies, they are in the business of making money. They cannot reasonably make money if they are busy paying out claims. So they do everything they can to deny them. 

Some use intentionally confusing wording and obscure clauses that their customers could not reasonably interpret. Others offer rewards to their employees who have the lowest payout quotas. Some will even go so far as to use shady practices, such as locking claims in a safe to delay the process so significantly that the customer eventually gives up. 

Sound unfair? It is! Yet it is an everyday issue within the insurance industry. Thankfully, there are some things that consumers can do to mitigate the risks of having their claim denied. 

Never Handle a Claim Alone

First and foremost, consumers should avoid trying to file a personal injury claim on their own. Instead, they should seek the assistance of an experienced personal injury lawyer. Medical insurance claims are somewhat different since, typically, the doctor or office staff initially submit the claim to the insurance company. Those who need to file a claim against their homeowners insurance should seek guidance from someone other than their insurance company since some have been known to drop their customers for even inquiring about a possible claim. 

If Your Claim is Denied or Delayed

Should you experience a denial or delay of a claim, either because you already filed it without assistance, or because of the insurance company’s shady tactics, it is important that you seek experienced assistance before addressing the issue. 

At Drost, Gilbert, Andrew & Apicella, LLC , we have the knowledge, experience, and resources you need to navigate through an insurance claim denial. Dedicated to your best interest, we will fight to get you and your loved ones the fair settlement that you deserve. Learn more about how our Rolling Meadows insurance claim dispute lawyers can assist with your case. Call 847-934-6000 and schedule a consultation 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


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