Attempting to get the benefits from a life insurance claim can be extremely difficult, as there are many stipulations and problems that can arise. Things such as improperly filled out forms, to the death not being far enough out from the policy implementation period can all be reasons that the insurance company denies the claim. They may even go as far as to dispute the reason or cause of death, which can have an extremely negative impact on a family that may still be grieving the loss of a family member. These can also be brought into contest, as the cause of death may be valid. As such, knowing how to fight against such a claim is necessary.
Why Cause of Death is Important
Finding out the reason for the cause of death is a valid concern to companies. As unsettling as it sounds, it is a necessary thing to determine the full cause of death. This is for the insurance company to ensure no foul play was made, either by an outside force, or by the insured themselves.
Suicide will generally be a denial factor. This is because suicide is not considered an accident, and is self-inflicted. Another possible reason can be due to medical conditions. If the medical condition was not clearly stated beforehand in the initial processing of the insurance policy, the cause of death can be questioned, leading to the insurance company claiming fraud and that the claim is invalid due to incorrect information provided. While these may not seem major, it is necessary for companies to cover themselves, as those attempting to exploit the system need to be caught and punished.
How to Fight against Denials based on Cause of Death
Although it may seem that all hope is lost, remember that, in denial cases involving the questioning of the cause of death, everything is subject to interpretation. This does not meant that the cause of death isn’t cut and dry sometimes, but that there will almost always be room to work with. Just because an insurance company denies the claim on the basis that the death may not have been covered by their policies doesn’t mean that you cannot receive your benefits. The insured meant for the policy to help those after their death, as it should.
To figure out the best course of action, contact an experienced life insurance attorney quickly to get started. A proper life insurance attorney will not only save you time and energy, but will also ensure that you have a steady case to start with. Making sure that you actually have a case to work with means that your footing will be much better when attempting to go against larger companies. Experienced insurance attorneys will also make sure that the insurance companies cannot give vague answers and denials. The information will be concrete, and details explained, and if any discrepancies are found from the company’s side, they will be surely pointed out by the attorney working on your side.
If you have a delayed or denied life insurance claim, our life insurance lawyers will get you the full amount of the policy.