Auburn Life Insurance Lawyer 

Can a life insurance claim be denied during the contestability period because the insured failed to disclose prior chest X ray findings?

Yes. During the contestability period, insurers may review medical records and imaging results. If the insurer believes the insured failed to disclose abnormal findings that would have affected underwriting, it may attempt to rescind the policy.

Can a life insurance claim be denied because of an exclusion related to skydiving or parachuting?

Some life insurance policies contain exclusions related to certain high risk aerial activities. If the insurer determines the death occurred during an activity listed in the exclusion, it may attempt to deny the claim.

Can an ERISA life insurance claim be denied because the employee did not satisfy the plan’s eligibility waiting period?

Yes. Employer group life insurance plans governed by ERISA often require employees to complete a waiting period before coverage begins. If the insurer claims the employee died before meeting that requirement, it may deny the claim.

Can a FEGLI life insurance claim be disputed if the beneficiary designation form contains multiple versions in the agency file?

Yes. If several Federal Employees’ Group Life Insurance designation forms appear in the employee’s file, the insurer may review the records to determine which designation controls.

Can an SGLI life insurance claim be delayed if the beneficiary designation lists a minor as the beneficiary?

Yes. If the Servicemembers’ Group Life Insurance designation names a minor, the insurer may delay payment while determining how the benefit should legally be distributed.

Can a VGLI life insurance claim be denied if the veteran stopped paying premiums before death?

Yes. Veterans’ Group Life Insurance policies must remain active through regular premium payments. If the policy lapsed due to nonpayment before the insured’s death, the insurer may deny the claim.

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 a life insurance company files an interpleader action?

When an insurer files an interpleader action, it deposits the policy proceeds with the court because there are competing claims. The court determines which claimant is entitled to receive the funds.

Can a life insurance claim be denied during the contestability period because the insured failed to disclose ongoing medical monitoring?

Yes. If the insurer believes the insured failed to disclose monitoring for a medical condition that would have influenced underwriting decisions, it may attempt to rescind the policy during the contestability period.

Can an ERISA life insurance claim be denied because the employer reported incorrect employment hours?

Yes. Administrative errors sometimes occur when employers transmit payroll or hours information to insurers. The insurer may dispute the claim based on its records.

Can a FEGLI claim lead to an interpleader lawsuit when several people claim the benefit?

Yes. If competing claims are made to the FEGLI proceeds, the insurer may file an interpleader action so a court can determine the rightful beneficiary.

Can an SGLI claim be challenged if family members believe the beneficiary designation was forged?

Yes. If someone alleges the designation form was forged or improperly completed, the insurer may delay payment while the dispute is investigated.

Can a VGLI claim involve a dispute between the named beneficiary and the insured’s spouse?

Yes. A spouse or other relatives may challenge the validity of a beneficiary designation if they believe it is outdated or invalid.

Can a life insurance claim be denied because of an exclusion related to illegal conduct?

Some policies contain exclusions for deaths that occur during certain unlawful acts. If the insurer believes the exclusion applies to the circumstances of the death, it may attempt to deny the claim.

Can an ERISA life insurance claim be denied because the employee was not listed in the insurer’s eligibility database?

Yes. Insurers often rely on eligibility files submitted by employers. If the employee was not included in those records, the insurer may deny the claim.

Can a FEGLI claim be delayed if the insurer cannot determine which beneficiary designation form is the most recent?

Yes. If multiple designation forms exist, the insurer may review the records to determine which one controls before paying the claim.

Can an SGLI claim result in an interpleader action when several claimants assert rights to the proceeds?

Yes. When competing claims are made to 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 because premiums were not paid?

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

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

Some policies contain exclusions for deaths that occur during certain aviation activities. If the insurer believes the exclusion applies to the circumstances of the death, it may attempt to deny the claim.

Can a beneficiary dispute delay payment of life insurance benefits?

Yes. When competing claims or challenges to the beneficiary designation arise, insurers often delay payment or file an interpleader action until the dispute is resolved.