Denied FEGLI Claim Lawyer

What is the first question that you need to ask a potential FEGLI life insurance lawyer?

You need to ask the lawyer how long he or she has been practicing. It would be prudent to retain a FEGLI life insurance lawyer with at least 15 years of experience.

What is FEGLI?

FEGLI stands for Federal Employees Group Life Insurance, and is a program that provides federal employees with group life insurance, in fact, it is the largest group life program in the world, comprised of more than four million members. Not only does it insure federal employees, but it insures retirees as well as their family members. The Office of Personnel Mgmt, OPB, handles it, but the life insurance comes from Metropolitan Life Insurance Company, MetLife.

FEGLI Beneficiary

Unlike other life insurance, the employee must name a beneficiary to receive the death benefit. Under FEGLI, the beneficiary named in the policy is the only valid recipient of the policy proceeds.

With respect to a FEGLI beneficiary change, what do I do if there is a beneficiary dispute?

If an employee wants to change the beneficiary, a FEGLI Beneficiary Change Form must be signed in front of 2 witnesses. It must be approved by OPM which is the Office of Personnel Management before the death of the employee. Issues arise as to whether the beneficiary change is valid both when OPM receives the form before death, as well as after death. When there is a beneficiary dispute, no other firm understands how to win these cases like ours does. OPM knows our lawyers on a first name basis, and they know that we will end up winning, so they will pay us.

How do I handle a FEGLI Interpleader?

If there is a beneficiary dispute, the insurance company may opt for an interpleader, in which the money often goes to the court, and the competing beneficiaries have to fight it out. Our FEGLI claim lawyers always get the dispute resolved, so our client is paid.

If there was no beneficiary on file for a FEGLI claim, who gets the money?

If no beneficiary was designated, the money is paid out to the widow. If the widow is deceased, it goes to the children. If no children or the children are deceased, it goes to the parents. If the parents are deceased, the money goes to the executor/administrator of the estate. If there are none, the next of kin would get the money.

If there was a divorce, and I am in a community property state, who gets the money?

FEGLIA which stands for Federal Employees Group Life Insurance Act is a federal law, and trumps any state community property issue, thus, the money is distributed according to the preceding section. For example, in a recent case the decedent named his fist wife as the sole primary beneficiary of $125,000 in life insurance proceeds. He then divorced her and married Hillman. The decedent never changed the beneficiary. After his death, both the surviving spouse and the ex-spouse filed claims.

The case went through years of litigation and was finally heard in the high court. The Supreme Court stated that it did not matter what the state law said, the federal law controlling the case prevailed, and the ex-wife correctly received the death benefit. Writing for the majority, Justice Sotomayor opined, "where a beneficiary has been duly named, the insurance proceeds she is owed under FEGLIA cannot be allocated to another person by operation of state law."

If there is a change of beneficiary for a FEGLI policy by someone other than the employee/insured, who gets the money?

If some 3rd party with a POA Power of Attorney changes the beneficiary, FEGLIA will not deem it as valid, so you'll want to call us if there is any beneficiary dispute.

What happens if the insurance premiums for a FEGLI policy aren't paid?

If the FEGLI insurance premiums aren't paid, the coverage may be terminated. The beneficiary that was designated is cancelled 31 days after the coverage stops. If the federal employee reinstates the policy, a fresh beneficiary form needs to be filled out. Our lawyers can investigate these situations, so you'll want to give us a call.

If a fresh beneficiary form isn't filled out when a FEGLI policy is reinstated, who gets the money?

If a new beneficiary form is not filled out after reinstatement of a policy, the money gets paid according to the FEGLIA beneficiary schedule mentioned above.

If I am involved in a FEGLI beneficiary dispute, what should I do?

If you have a dispute among beneficiaries with respect to a FEGLI policy, you'll want to call us. No other firm has more experience handling these disputes than us. The laws controlling FEGLI life insurance policies are complex and too confusing for the beneficiary to understand. Speak with us today, as we will help you understand your rights.

What do I about my denied FEGLI AD&D Claim?

You contact our lawyers to resolve it, and we will get you your money quickly.

Typical reasons for FEGLI AD&D Claim denials include:

  • Suicide
  • Self-Inflicted Injury
  • Sickness
  • DUI or Comparable
  • Alcohol exclusion
  • Physical / Mental Illness
  • Bacterial Infection
  • Food poisoning
  • Ptomaine poisoning
  • Nuclear weapon
  • Nuclear war
  • War in which you are in combat
  • Illegal drugs
  • Drugs administered yourself

Our denied FEGLI AD&D claim attorneys have been successful in resolving these claims 100% of the time.

You have questions about your delay, and denial, and our consultation is free, so give us a call. Whether you have a delayed FEGLI claim, or a denied FEGLI claim, we will get you the money to which you are entitled.

You can learn about life insurance lapse next.