Spouse’s Benefits & SGLI or VGLI Claims
Even if your SGLI or VGLI claim is denied, spouse’s benefits under certain programs may still be available. The Spouses’ Benefits Program allows surviving spouses of service members and veterans to receive certain benefits, regardless of whether the life insurance claim is paid out. The exact amount of benefits depends on various factors, including:
Rank and service designation of the deceased.
The cause of death (whether covered by SGLI or VGLI).
Other factors set by the VA and the program.
It’s essential to understand the eligibility requirements for spouse benefits under the program. Depending on the circumstances, you may still be entitled to a certain sum of benefits. Consulting with a life insurance lawyer can provide clarity on how to pursue spouse’s benefits in the event of a claim denial.
What to Do Next If You Are a Spouse Seeking Benefits
Verify Eligibility: Check if you meet the eligibility requirements for the Spouses' Benefits program.
Understand the Settlement Amount: The settlement amount will depend on several factors, including the deceased's rank, service status, and the circumstances of the death.
Consult with a Lawyer: If you are a surviving spouse and your claim is denied, consulting with an attorney is essential. They can help you understand your rights and guide you through the process of pursuing spouse benefits.
FAQ: Frequently Asked Questions About SGLI & VGLI Claims
1. What is SGLI and VGLI?
SGLI (Servicemembers’ Group Life Insurance) is life insurance coverage for active-duty military personnel, while VGLI (Veterans’ Group Life Insurance) is available to veterans after they separate from service. Both offer death benefits to beneficiaries in the event of the insured’s death.
2. Why might my SGLI or VGLI claim be denied?
Common reasons for a denied claim include the death occurring outside the specified period, the cause of death not being covered, the policy being inactive, or the beneficiary not being properly designated.
3. How do I appeal a denied SGLI or VGLI claim?
You should consult with an experienced life insurance lawyer to assess the reasons for the denial and discuss options for filing an appeal or challenging the decision. Legal experts can also help negotiate settlements in some cases.
4. What are spouse benefits under SGLI or VGLI claims?
If your SGLI or VGLI claim is denied, surviving spouses may still be eligible for benefits through the Spouses' Benefits Program, which provides financial support based on various factors, including the deceased’s service and rank.
5. What should I do if there is no beneficiary named for the life insurance policy?
If no beneficiary is designated, the life insurance proceeds will go to the decedent’s estate and will be subject to probate. This can delay the distribution of the funds, and there may be disputes regarding the beneficiaries. A lawyer can assist in resolving such issues.
6. How can a lawyer help with denied SGLI or VGLI claims?
A lawyer specializing in life insurance claims can help you navigate the complex claims process, challenge wrongful denials, and ensure that you receive the benefits you are entitled to under SGLI or VGLI policies.