Lewiston Life Insurance Lawyer

Can a life insurance claim be denied during the contestability period because the insured failed to disclose prior emergency room visits?

Yes. During the contestability period, insurers may review hospital and emergency room records. If the insurer believes the insured failed to disclose visits that would have influenced underwriting decisions, it may attempt to rescind the policy.

Can a life insurance claim be denied because of an exclusion related to ATV or dirt bike use?

Some life insurance policies contain exclusions related to certain recreational vehicle activities. If the insurer determines the death occurred during an activity covered by the exclusion, it may attempt to deny the claim.

Can an ERISA life insurance claim be denied because the employee failed to enroll during the initial eligibility period?

Yes. Employer group life insurance plans governed by ERISA often require employees to enroll during an initial eligibility window. If the insurer claims the employee did not enroll during that period, it may argue that coverage never began.

Can a FEGLI life insurance claim be disputed if the beneficiary designation form lists more than one beneficiary but does not specify percentages?

Yes. If the Federal Employees’ Group Life Insurance designation form does not explain how the proceeds should be divided, the insurer may delay payment while reviewing the documentation.

Can an SGLI life insurance claim be delayed if the beneficiary designation is incomplete?

Yes. If the Servicemembers’ Group Life Insurance designation form lacks important identifying information, the insurer may delay payment while verifying the proper beneficiary.

Can a VGLI life insurance claim be denied if the veteran missed the application deadline after leaving service?

Yes. Veterans’ Group Life Insurance must be applied for within certain time limits following separation from military service. If the veteran missed the deadline, the insurer may argue that coverage never existed.

What is a beneficiary dispute in a life insurance claim?

A beneficiary dispute occurs when two or more individuals claim the 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 insurer files an interpleader action, it deposits the policy proceeds with the court because there are competing claims. The court then determines which claimant is entitled to the funds.

Can a life insurance claim be denied during the contestability period because the insured failed to disclose prior specialist treatment?

Yes. If the insurer believes the insured did not disclose treatment from a specialist that would have affected underwriting decisions, it may attempt to rescind the policy during the contestability period.

Can an ERISA life insurance claim be denied because the employer incorrectly reported the employee’s eligibility?

Yes. Administrative errors sometimes occur when employers submit eligibility data to insurers. The insurer may dispute the claim based on its records.

Can a FEGLI claim lead to an interpleader lawsuit when multiple family members claim the proceeds?

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

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

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

Can a VGLI claim involve a dispute between the named beneficiary and a surviving spouse?

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

Can a life insurance claim be denied because of an exclusion related to unlawful 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 included in the insurer’s enrollment records?

Yes. Insurers often rely on enrollment 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 multiple 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 due to unpaid premiums?

Yes. Veterans’ Group Life Insurance policies must remain active through 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 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.