Losing a loved one is difficult enough without the burden of receiving a denial of your family member's life insurance. A life insurance claim denial feels like a slap in the face. You may feel like you have nowhere left to go. It's important to not back down after receiving a denial -- you have the option to appeal the denial and pursue the matter in a higher court. Here's what you need to know.
Why Life Insurance Claims Are Denied
A life insurance claim can be denied for almost any reason, but there are some reasons that appear to be more common than others. If your loved one's life insurance claim has been denied, it may have been for one of these four reasons:
- How the death occurred wasn't covered under the policy. For example, if the death occurred by suicide and not accident, it may not be covered.
- The death occurred during the period of contestability. For a certain amount of time after the policy is taken out, most insurers reserve the right to contest paying out on the policy. If, for example, your loved one passed away just a few months after taking out the policy, the insurance company will more than likely contest.
- Premiums weren't kept up to date. Unfortunately, many people realize that they hadn't paid life insurance policy premiums for some time when it is too late.
- Your loved one died as a result of something that was withheld during the application process. Full disclosure is necessary for a life insurance policy to be considered valid. For example, if your loved one died of a heart attack and you had failed to disclose that they had a heart condition, the claim will likely be denied.
How to Appeal a Life Insurance Claim Denial
Usually, you will either be sent a letter stating why the claim was denied or you can obtain this information by calling the adjuster who worked on your case. Find out why your claim was denied and take your case to a seasoned insurance denials lawyer
. At the Law Offices of John D. Ameen, P.A., we can help you appeal your case and increase your chances of receiving a payout.
If your loved one's insurance claim has been denied, don't take "no" for an answer. Contact our offices to obtain the zealous and compassionate representation you need during this challenging time by calling (954) 763-4950.