Fighting a Life Insurance Claims Denial can be difficult. It can take many months until a verdict is reached, and the time and energy gone into discussing and arguing the different situations can be infuriating on both ends.
If you happen to get caught on the wrong end of the insurance company, there are a few ways to ensure you aren’t too off-guard when the proceedings happen. This is especially true when dealing with supplemental life insurance denials, as you are not just dealing with the insurance company, but also your employer as well.
Where it Starts
Being challenged over supplemental life insurance denials can stem all the way back when you first applied for the group life insurance policy given by your employer in the first place. When a group life insurance policy is extended to you, it comes in the most basic form, as it is generally used for those that are not as well off to be able to purchase a full on individual policy. Instead, it is the bare bones. This is where the supplemental coverages come into play.
Supplemental coverages are extra coverages and benefits given to those that pass the qualifications. This can be anything from increasing the possible payout amount to covering more potential hazards and incidents that might occur. This can be seen in such instances where your basic coverage may only cover a vehicular accident, and an added supplemental coverage may cover any sort of accident that can occur, not just vehicular.
But, the problems occur when the process of application is not straightforward, and may have been a bit hazy. In many cases, it isn’t the policyholder that gets caught, it is the beneficiary that is given the thought that they are covered, and yet find out that they are denied due to the coverage not being on their policy. This can be due to a lack of communication on the employer’s part, as well as the wording and interpretation of the policy in general.
How to Fight against the Denials
To fight and challenge these denials, it is important to first get the correlating documents. These documents include a full transcript of the contract, as well as a copy of the policyholder’s agreement procedures. Gathering information on the tests and evaluations the policyholder had to go through to be able to be approved for the supplemental coverages is valid as well. This way, you have an original copy that cannot be changed, even if the insurance company or employer wish it would.
Next is to hire an experienced and knowledgeable life Insurance lawyer or denied life insurance claim attorney. Fighting against an insurance company is tough enough, but to also challenge an employer can be downright exhausting. This is because the insurance company and employer will attempt to make sure they are not seen as being in the wrong, and they may use any method or trick in the book to get out of paying the proper amount.
An experienced life insurance lawyer or attorney can help to sift through and make sense of the legal paperwork that is attached to many life insurance policies. They will work with you to ensure that you are not cheated out of your benefits just because of a different interpretation. And, they can help to protect you against any tricks that might be attempted to kill your case. As such, reach out to use if you wish to get started on your journey to fighting these kinds of denials.