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


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