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


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