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


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