Getting denied for a life insurance claim can be one of the most devastating things to have happen after the death of a close member of the family. After going through a tough period, and then hearing that you are denied the benefits that the insured worked so hard to give to the beneficiary is never a fun period. But, all is not lost. Whether it be a full denial or just a delay, there are always steps that can be taken to help mitigate the get the amount owed to you. Here are a few things that you can gather to help your case as the process continues.
Cause of Death
When someone dies, the last thing that anyone wants to think about is how and when they died. Finding out the reason for a death can be heart-wrenching, but is necessary when attempting to gather evidence against a possible false denial of a claim.
The reason for this is that, of the many ways a denial or delay can come about, cause of death can come into question. If the patient died of unnatural causes, such as a vehicular accident, then the denial might not be warranted. But, say, that the denial came because the vehicular accident came while the person was attempting to race a motorboat across the waters at high speeds. This may not fall under the policy from the insurance company. As such, gathering an exact and detailed log of why the insured has passed on is important.
Full Policy Information
Getting a complete and detailed copy of the life insurance policy is also necessary when attempting to collect evidence in a case against a denial. Having a full transcript of the policy will help to ensure that it cannot be tampered with by any other parties. Although this is highly and extremely unlikely, there is also another reason as to why having it is important.
Having a full transcript of the document ensures that you are able to go over every single word of the document at hand. Not only that, the life insurance attorney that you choose to work with will also be able to read it over and help you understand any points or issues that might come about, such as a possible catch-22 that might have occurred without you knowing it.
All payment receipts of the insurance
One other thing to collect are the payment stubs or receipts from when the insurance premium is paid. This can include online or paper formats, but paper is usually best, as physical evidence will always be given more weight in law.
The reason for this is so that you have concrete proof that there can not be a denial of the claim over unpaid dates. Not paying the insurance for even a single month can cause a massive problem, as the company may attempt to use that as leverage in the case. However, ensuring that the insurance was paid for during the month of passing will help to solidify the case up.
If you have a delayed or denied life insurance claim, our life insurance lawyers will get you the full amount of the policy.