Orlando Life Insurance Lawyer

Can a life insurance claim be denied during the contestability period because the insured did not disclose a prior surgery?

Yes. During the contestability period, insurers often review medical records to determine whether surgeries or major treatments were disclosed on the application. If the insurer believes the omission was material to underwriting, it may attempt to rescind the policy.

Can a life insurance claim be denied because of a hazardous occupation exclusion?

Some life insurance policies contain exclusions related to certain high risk occupations. If the insurer believes the death occurred while the insured was engaged in an excluded activity related to that occupation, it may attempt to deny the claim.

Can an ERISA life insurance claim be denied because the employee failed to submit evidence of insurability forms?

Yes. Employer group life insurance plans governed by ERISA sometimes require employees to complete evidence of insurability for coverage above a guaranteed issue amount. If the insurer claims those forms were never submitted or approved, it may deny the claim.

Can a FEGLI life insurance claim be disputed if the beneficiary designation form is missing?

Yes. If the Federal Employees’ Group Life Insurance beneficiary designation form cannot be located, the insurer may review other records or delay payment while determining who is entitled to the benefit.

Can an SGLI life insurance claim be delayed if the beneficiary designation was changed multiple times?

Yes. If there are multiple Servicemembers’ Group Life Insurance designation forms on record, the insurer may need to determine which one is valid and most recent before paying the benefit.

Can a VGLI life insurance claim be denied if the veteran did not complete the conversion process after leaving service?

Yes. Veterans’ Group Life Insurance requires a timely application after separation from military service. If the conversion process was not completed, the insurer may argue that coverage never began.

What is a beneficiary dispute in a life insurance claim?

A beneficiary dispute occurs when multiple individuals claim the same life insurance proceeds or when someone challenges the validity of the beneficiary designation.

What happens when an insurer files an interpleader action in a life insurance case?

When an interpleader action is filed, the insurer deposits the policy proceeds with the court. The competing claimants must then present their claims so the court can determine who is entitled to the benefit.

Can a life insurance claim be denied during the contestability period because the insured did not disclose ongoing medical symptoms?

Yes. If the insurer believes the insured failed to disclose symptoms that were relevant to underwriting, it may attempt to deny the claim during the contestability period.

Can an ERISA life insurance claim be denied because the employee was listed under the wrong benefit class?

Yes. Some employer group life insurance plans have different coverage amounts based on employee classification. If the insurer believes the employee was assigned to the wrong class, it may dispute the benefit amount.

Can a FEGLI claim lead to an interpleader action when multiple people claim the proceeds?

Yes. If the insurer receives competing claims for the FEGLI benefit, it may file an interpleader action so the court can determine the rightful beneficiary.

Can an SGLI claim be challenged if family members believe the beneficiary designation was not properly executed?

Yes. Family members may challenge the validity of the designation if they believe the form was incomplete, altered, or not properly signed.

Can a VGLI claim involve a beneficiary dispute between former spouses and current family members?

Yes. Disputes can arise if the beneficiary designation names a former spouse and current family members challenge the validity or accuracy of the designation.

Can a life insurance claim be denied because the death occurred during an excluded recreational activity?

Some policies contain exclusions for specific recreational activities. If the insurer believes the death occurred during an activity excluded by the policy, it may attempt to deny the claim.

Can an ERISA life insurance claim be denied because the employer failed to transmit coverage information to the insurer?

Yes. Administrative errors sometimes occur when employers fail to send enrollment or coverage information to the insurer. The insurer may argue that coverage was never established.

Can a FEGLI claim be delayed if the insurer cannot verify the beneficiary designation?

Yes. If there are questions about the authenticity or validity of the designation form, the insurer may delay payment while investigating the records.

Can an SGLI claim result in an interpleader lawsuit when competing claims are made?

Yes. When multiple people claim the SGLI proceeds, the insurer may deposit the funds with the court through an interpleader action.

Can a VGLI claim be denied if the policy lapsed due to unpaid premiums?

Yes. Veterans’ Group Life Insurance policies require regular premium payments. If the policy lapsed before the insured’s death, the insurer may deny the claim.

Can a life insurance claim be denied because of a substance related exclusion?

Some policies contain exclusions related to drug or alcohol related deaths. If the insurer believes the circumstances fall within that exclusion, it may attempt to deny the claim.

Can a beneficiary dispute delay payment of life insurance proceeds?

Yes. When competing claims are made or the validity of the beneficiary designation is challenged, the insurer may delay payment or file an interpleader action until the dispute is resolved.