Life Insurance Lawyer Springfield Ma
"Life Insurance Lawyers for Springfield, MA – The Lassen Law Firm" In Springfield, the historic city known as the birthplace of basketball and rich in cultural landmarks, navigating life insurance claims can still be a challenging and overwhelming process—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Springfield secure the financial protection they deserve. Whether you’re near the vibrant downtown area, the iconic Basketball Hall of Fame, or anywhere across Hampden County, we provide trusted legal expertise and personalized guidance every step of the way. Our experienced and trusted Massachusetts life insurance lawyers are here to help.
With a proven record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Springfield residents seeking justice in insurance disputes.
2025 Springfield Massachusetts Denied Life Insurance Claims
- Colonial Life suicide exclusion claim $130,000.00
- London Pacific contestable period $100,000.00
- COVID-19 death denial Springfield Mass $90,000.00
- Springfield Massachusetts denied life claim $101,000.00
- SGLI beneficiary form $400,000.00
- Life insurance divorce problem $50,000.00
- Liberty National interpleader $145,000.00
- Pacific Life alcohol denial claim $206,000.00
- VGLI dispute among beneficiaries $400,000.00
- Accelerated insurance denial $65,000.00
- Freedom life insurance marijuana denied $40,000.00
- Springfield Massachusetts denied life claim $159,000.00
Questions About Life Insurance Claims in Springfield, Massachusetts
Can an ex-spouse in Springfield collect life insurance benefits if still listed as the beneficiary?
No, not unless the policyholder reaffirmed the designation after divorce. Massachusetts law automatically revokes an ex-spouse’s rights unless clear post-divorce intent is shown. In Springfield, this often becomes an issue with outdated policies.
Can a life insurance claim be denied in Springfield due to an incomplete application from years ago?
Yes, but only if the omission was material and intentional. In Springfield, older policies with vague applications are common, and many denials are successfully challenged with supporting evidence.
What if a Baystate Health employee in Springfield thought they had group coverage, but HR never processed it?
If the employee reasonably believed they had coverage, Springfield beneficiaries may recover benefits under legal theories like misrepresentation or detrimental reliance, even without formal enrollment.
Can life insurance be denied in Springfield due to a missed premium?
Only if the insurer properly sent a lapse notice and honored the grace period. In Springfield, policies can often still be enforced if the insured died before receiving proper notice.
Can the cause of death listed as “undetermined” by the Springfield medical examiner delay the claim?
Yes. Insurers often stall claims citing “pending” causes. In Springfield, families must gather autopsy reports, medical records, and expert statements to push claims forward.
Can a Springfield life insurance claim be denied because the insured had a criminal record?
No. A criminal record alone doesn’t void life insurance. Only if the death occurred during a felony, and the policy contains a specific exclusion, might the claim be challenged.
What happens if the insurer says the Springfield policy was void due to “fraud from inception”?
The insurer must prove that fraud occurred intentionally. In Springfield, many fraud-based denials are defeated by showing the insurer knew the risks but continued accepting premiums.
Can life insurance be denied if the insured died while traveling abroad from Springfield?
It’s possible if a specific exclusion applies to high-risk travel. Otherwise, modern policies usually cover deaths overseas. Springfield beneficiaries should demand full policy language to verify exclusions.
Can accidental death coverage be denied in Springfield for a factory or warehouse injury?
It can if the work was classified as high-risk and excluded. However, in Springfield, many injuries at warehouses or factories still qualify as accidents under standard AD&D policies.
What if the life insurance policy lists two different beneficiaries and they both claim it?
The insurer will typically file an interpleader in Hampden County courts. Springfield judges then review documents and evidence to determine the rightful beneficiary.
Can a handwritten note changing the beneficiary be honored in Springfield?
Yes. If the handwritten note is signed, dated, and clearly expresses intent, Springfield courts may validate it — particularly if no conflicting formal document exists.
Can a life insurance claim be denied in Springfield if the policyholder had depression but didn’t disclose it?
Only if the insurer proves the omission was material and linked to the death. In Springfield, many mental health-related denials are overturned with strong legal arguments.
Can an insurer in Springfield deny a claim due to “incomplete paperwork” or “missing documents”?
Temporarily, but not permanently. Most delays are resolved once the right documents are supplied. We routinely assist Springfield families in overcoming these administrative hurdles.
Can a life insurance claim be denied if the policyholder’s job changed after the policy was issued?
Rarely. Unless the job became significantly riskier and disclosure was contractually required, Springfield beneficiaries can usually still collect.
What happens if the insured was laid off in Springfield and never converted their employer-sponsored life insurance?
If the employer failed to inform them of conversion options, Springfield families may still recover benefits by holding the employer or insurer liable for the oversight.
Can life insurance be denied for a death during a non-traditional medical treatment?
Only if there’s a clear exclusion for experimental or alternative care. In Springfield, we often defeat denials where the treatment was doctor-recommended but non-traditional.
Can a Springfield insurer deny a claim because of vague or conflicting language in the policy?
They may try, but Massachusetts law favors beneficiaries when language is ambiguous. We routinely win Springfield cases involving confusing or poorly written policy terms.
Can someone in Springfield lose a life insurance claim if the insured died while fleeing police or committing a felony?
Yes, if the death was directly tied to a felony. However, if the link between the criminal act and the death is weak, we’ve successfully overturned such denials in Springfield courts.
Can a life insurance claim in Springfield be denied based on foreign language forms or immigrant status?
No. Properly translated documents are sufficient, and immigrant status does not impact claim validity. We help Springfield families submit foreign-language documents properly.
What legal options do Springfield families have after a denied life insurance claim?
They can sue for breach of contract and, if the denial was in bad faith, seek additional damages under Massachusetts law. Many Springfield cases settle once legal pressure is applied.
You can explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).