SGLI Claim Denied Lawyer
If your Servicemembers’ Group Life Insurance (SGLI) claim was denied, we can help.
The Lassen Law Firm is one of the only firms in the country focused exclusively on life insurance disputes, including SGLI denials. We represent military families across the United States when VA insurers withhold benefits, file interpleader actions, or raise technical objections to a valid claim. If you’ve received a denial, we can intervene immediately and pursue full payout on your behalf.
We’ve recovered hundreds of millions for clients, including spouses and dependents wrongfully denied under government and employer-provided life insurance programs.
Why SGLI Claims Are Denied
Common reasons SGLI claims are denied include:
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Conflicting or outdated beneficiary designations
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Disputes between current and ex-spouses
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Alleged ineligibility at the time of death (e.g., post-discharge)
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Suicide or misconduct exclusions
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Missing or incorrect claim paperwork
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Administrative processing errors by the military or VA
SGLI claims can be particularly complex due to overlapping jurisdiction between the Department of Veterans Affairs, service branches, and private administrators like Prudential.
Our Role in SGLI Claim Disputes
We handle every aspect of the appeal or legal action needed to reverse an SGLI denial:
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Reviewing denial letters and policy documents
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Investigating the servicemember’s duty status and coverage history
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Obtaining copies of all signed beneficiary designations
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Responding to or defending interpleader lawsuits if more than one person claims the benefit
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Negotiating with or suing the plan administrator when warranted
Case Example: $400,000 SGLI Benefit Paid After Competing Claim
After a servicemember’s death, both his former spouse and his fiancée submitted claims. The VA denied both pending clarification. We gathered evidence that the decedent had attempted to update his SGLI beneficiary designation and submitted a written request to his personnel office. Based on this and the principle of substantial compliance, we successfully resolved the dispute and obtained the full benefit for the correct recipient.
Official SGLI Resources
To better understand your rights and policy basics, you can review:
If your claim was denied, you don’t need to handle this alone. We step in when VA and insurers stall, misapply the law, or misinterpret policy terms.
Frequently Asked Questions About Denied SGLI Claims
Can an ex-spouse collect an SGLI benefit?
Only if they are the designated beneficiary. However, disputes often arise
when a policyholder failed to update the form after divorce. Courts may
review evidence of the servicemember’s intent to change.
What if no beneficiary is listed on the SGLI policy?
If no valid beneficiary designation exists, SGLI benefits are distributed
under federal law—typically to the surviving spouse, children, or
parents, in that order.
Does SGLI cover suicide?
Yes, in most cases. Unlike many private policies, SGLI generally covers
suicide if the policy was in effect at the time of death.
How long do I have to challenge a denial?
There is no rigid deadline, but delays weaken your position. Prompt legal
action increases your chances of recovery, especially in beneficiary conflicts.
Do I need an attorney for an SGLI appeal?
While you can technically appeal on your own, an attorney experienced in
federal benefit law and interpleader actions can dramatically improve
your outcome.
Why Choose The Lassen Law Firm?
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Focused exclusively on life insurance and government-backed claims
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Experience with SGLI, FEGLI, and VA-related policies
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Nationwide representation in all 50 states
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Direct access to a lawyer—not a call center or assistant
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Over $750 million recovered for wrongfully denied beneficiaries
Contact Us for Help With a Denied SGLI Claim
If your SGLI claim has been denied, contested, or stuck in red tape, contact The Lassen Law Firm today. We’ll review your situation, explain your rights, and fight to recover the full benefit you’re entitled to. There’s no fee unless we win.
The Lassen Law Firm is a national legal practice focused exclusively on life insurance litigation. Founded by Christian Lassen, Esq., the firm has recovered hundreds of millions for clients in all 50 states. All legal content is written or reviewed by Mr. Lassen personally to ensure accuracy and authority.