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.


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.


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


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