Life Insurance claims can be denied for number of different reasons. Some common examples of reasons are suicide or self-inflicted injuries by the insured, exceptions to payouts like alcohol or drug consumption prior to death. While this may or may not be justified reasons under your plan for the insurance provider to deny a claim, there are also several instances where a provider might deny a claim without just cause so that they may line the shareholders pockets a bit more. Depending on which insurance provider you choose to use, this may be more likely to occur than with other providers. Based on prior experiences, such is the case with Blue Shield of California, a California non-profit based in the San Francisco area.
Blue Shield of California offers various types of insurance products, such as health, vision and dental plans. As a non-profit company, one would think that the provider is more focused on meeting the needs of the clients and beneficiaries but this is not the case here. As an insurance provider that has been around since the 1930s, the company can boast a legacy of successful business to lure in customers. However, their large customer network is mostly due to their other types of insurance offerings. Blue Shield is not nearly as specialized or focused on their life insurance products as many other competitors may be. As a result, they do not have to rely on customer satisfaction from life insurance beneficiaries and can fall back on the satisfied customers from their other offerings. As such, do not be surprised as a beneficiary if you are to receive a denied life insurance claim or receive much in the way of an attempt to appease a customer.
If you are involved with a denied life insurance claim case opposing Blue Shield of California, consider reaching out to an experienced legal team for help so that you are not forced to battle this company alone. An experience legal professional, like the ones found at our office, will be able to guide you through the process of appealing a denied claim or even escalating the matter as needed. Fighting this battle against Blue Shield of California on your own is not advisable as they will likely not take your seriously or simply bully you around with the resources they have available. Do not be afraid to bring your case before an attorney to see whether you have a reasonable shot at fighting a denied claim or not.
If your Blue Shield Life insurance claim was denied, our life insurance lawyers will fight hard to get you the full amount of the policy.