Receiving a denial for any kind of claim can be devastating. Depending on the policy and stipulations placed on the beneficiaries, it can be very easy for the insurance company to seemingly pull a denial out of thin air, and still have the evidence to back it up.
Unfortunately, this can happen all too often, no matter who, or what is being dragged into the case. This is even true when working with TSGLI policies, where the service members in question tend to not be given the slightest care when it comes for them to try to receive benefits after a severe injury.
This affects not only the beneficiaries, but also the policy holder. This is because TSGLI policies are not only upon death. TSGLI policies can payout even if the policy holder is still alive, as it is more about how grevious the wounds are. So, if a denial comes through, it can be devastating.
Reasons for Denials by the Insurance Company
There can be several reasons as to why the insurance company decided to try to send a denial of claims and have it pass. They can range from the obvious, to the not so obvious, to the almost blatant exploitation of your time and energy.
The largest and most pronounced reason that a delay or denial can come through on a TSGLI claim is due to the time frame as to which the injury occurred, relevant to the time that the policy went into effect. Many insurance policies will generally need to be active for at least a year or so with no incidents if the insured and beneficiaries wish to see a payout. With TSGLI, the time period before activation can be murky. The main reason this can be called into question is if the policy was enacted only a few months ago, and then the injury occurs. This would be probable cause to search for a possible intentional injury.
A very grey area is the type and extent of the injury. Depending on how deep the policy goes, it can come up that the injury itself does not qualify as a severe injury or traumatic injury. Depending on the amount of payment that is going into the policy, it can be noted that they will challenge this fact, and try to say that the injury is not that threatening, thus it doesn’t qualify for their payout.
How to fight the Denial
The first step is to gather all documents, records, and reports available on the injury and the policy. Ensuring that you have your own set of original papers means that you know that nothing will be withheld if you have to go to court against the insurance company.
Next is finding a proper life insurance lawyer or denied life insurance claim attorney to help represent and guide you through the entire process. Having an experienced attorney can help to confirm that you have a valid reason to challenge the denial, and get you the information necessary to make sure you don’t skip over any formalities that can be used against you.
Unsure of where to look? Having trouble figuring out who to talk to? Our attorneys here at our offices are specialized and experienced, having helped many people on their claims and facing denials. We know that you aren’t just another number on a checkbook, that you have your own lives, and just want to move on. We’re here to make sure you can do just that.