DGAA bLAWg

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.



Sources:
https://www.nerdwallet.com/blog/insurance/life-insurance-policy-reject-claim/
https://www.truebluelifeinsurance.com/7-ways-life-insurance-will-not-pay-out/
https://www.protective.com/learning-center/life-101/important-facts/3-reasons-why-your-life-insurance-claim-could-be-denied/

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.


Sources:

http://www.naic.org/documents/consumer_state_reg_brief.pdf

https://mc.insurance.illinois.gov/messagecenter.nsf


Recent Posts


Tags

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

Archive