If you have a life insurance claim that has been denied, you should contact an ERISA attorney as quickly as you can. We can research the claim denial and help you in collect any benefits wrongfully denied.
The most probable reason a life insurance claim is denied is due to an alleged misstatement on the insured’s application. When claims are rejected due to misstatements or omissions, it is because the insurance company feels it was mislead at the time of the purchase. For example, your claim may have been denied because the insured failed to mention a major health problem on the insurance form.
It is not a rare occasion for insurance companies to willfully seek material misstatements or omissions as a reason to deny a claim. For this reason, it is critical that you are upfront and honest when filling out life insurance forms. It would also be a good idea to get in writing any statements made to you by your insurance agent. In order to advance a sale, certain agents may cut corners and just blaze through the application process. If you filled out an application under the guidance and an insurance agent, you need to challenge the insurance company.
It is a good idea to carefully check your policy. Some policies do not cover accidental death. There are policies that only cover accidental death. And most policies will not pay out for death by suicide. it is in your best interest to know what circumstances are covered and which ones are not covered.
If you have been denied life insurance benefits, don’t wait for a miracle. Our lawyers can help you receive your benefits.