Life Insurance Lawyer Worcester Ma
"Life Insurance Lawyers for Worcester, MA – The Lassen Law Firm" In Worcester, Massachusetts' "Heart of the Commonwealth," celebrated for its rich history and vibrant cultural scene, navigating life insurance claims can still be a challenging and frustrating experience—especially when benefits are unfairly delayed or denied. At The Lassen Law Firm, we are dedicated to helping families and individuals in Worcester secure the financial protection they deserve. Whether you’re near the iconic Worcester Art Museum, the serene Green Hill Park, or anywhere across Worcester County, we provide trusted legal expertise and personalized care every step of the way. Our experienced and trusted Massachusetts life insurance lawyers are here to help.
With a proven track record of recovering hundreds of millions in life insurance claims nationwide, The Lassen Law Firm delivers compassionate advocacy, relentless representation, and trusted results for Worcester residents seeking justice in insurance disputes.
2025 Worcester Ma Denied Life Insurance Claims
- American General Life interpleader $575,000.00
- COVID-19 death claim Worcester Mass $130,000.00
- Worcester Massachusetts denied death benefits $40,000.00
- Principal Life key man policy denial $300,000.00
- Genworth prescription drug denial $49,000.00
- AD&D claim in Worcester Massachusetts $15,000.00
- Bestow Life coronavirus death claim $50,000.00
- Key insurance claims won $500,000.00
- Effortless lapsed policy rejected $20,000.00
- Fabric death insurance policy $19,000.00
- VGLI change of beneficiary $400,000.00
- Worcester Massachusetts denied claim $85,000.00
- Ohio National beneficiary dispute $100,000.00
- Navy Mutual Life interpleader $300,000.00
Questions About Life Insurance Claims in Worcester, Massachusetts
Can a former spouse in Worcester still collect life insurance if named as a beneficiary?
Generally not. Massachusetts law automatically revokes an ex-spouse’s beneficiary designation after divorce unless reaffirmed. In Worcester, outdated forms often trigger disputes, but the law typically removes the ex-spouse by default.
Can a life insurance claim be denied in Worcester if the insured died during a high-risk activity like snowmobiling?
Yes, but only if the exclusion is clearly stated in the policy. Worcester beneficiaries can often argue for coverage when exclusion language is vague or the activity wasn’t unusually dangerous.
What if the insured failed to disclose past hospitalizations — can the claim be denied in Worcester?
Possibly, especially within the two-year contestability period. However, Worcester families can often overcome denials by showing the omission was unrelated to the cause of death or not material.
Can a Worcester life insurance policy lapse for nonpayment without notice to the insured?
No. Massachusetts law requires insurers to send proper lapse notices and honor a grace period. Without notice, Worcester beneficiaries may still recover even if premiums were missed.
What happens when two people claim life insurance in Worcester and the insurer can’t determine who is right?
The insurer may file an interpleader action in Worcester County Probate or Superior Court. The court then decides who is entitled based on paperwork, timing, and the insured’s intent.
Can death during a surgery at UMass Memorial be excluded if it was elective?
Some policies exclude elective procedures, but if the surgery was medically necessary, Worcester families can often challenge these exclusions and recover benefits.
Can a group life policy from a Worcester employer be denied if the enrollment form was never submitted?
Yes, but if the insured believed they had coverage through their employer, Worcester beneficiaries can often succeed with legal claims based on negligent misrepresentation.
Can a Worcester life insurance claim be denied based on alleged fraud in the application?
Only if the insurer proves intentional deception. Worcester courts often side with beneficiaries if the omission was minor, misunderstood, or if the insurer had reason to know of the condition.
What if the Worcester policyholder died while committing a crime — can that void the claim?
It depends. The criminal act must be serious and directly related to the death. Minor offenses or unrelated incidents usually don’t justify denial under Massachusetts law.
Can a Worcester beneficiary be denied because they’re suspected of foul play?
Yes, under the Massachusetts slayer statute. But suspicion alone isn’t enough — insurers must prove involvement with clear evidence or a legal conviction.
Can a claim be denied in Worcester if the death occurred overseas and there’s no U.S. death certificate?
It can be delayed, but not denied outright. Worcester families can supply foreign death certificates, embassy reports, or sworn affidavits to satisfy insurers and move the claim forward.
Can life insurance be denied in Worcester for undisclosed depression or mental health conditions?
Only if the omission was intentional and related to the cause of death. Massachusetts law strongly protects Worcester beneficiaries from denials based on irrelevant medical history.
What if the insured in Worcester stopped working and lost their employer-sponsored life insurance but wasn’t told?
If the employer failed to inform them about conversion rights, Worcester families can often recover benefits through legal action for breach of duty or negligent misrepresentation.
Are foreign-language or handwritten beneficiary designations valid in Worcester?
Yes. Worcester courts uphold informal or foreign-language beneficiary changes if they clearly reflect the insured’s intent and aren’t contradicted by newer documents.
Can Worcester insurers deny claims based on missing documents or incomplete claim forms?
They can delay claims temporarily, but cannot deny them permanently for administrative reasons. Worcester families can usually resolve these issues by providing supplementary records.
What if the insured died after accidentally overdosing on prescribed medication?
Unless the policy has a clear drug exclusion or shows intent to overdose, accidental prescription overdoses in Worcester are usually covered and can be defended against insurer denials.
Can Worcester life insurance claims be denied due to a vague policy exclusion?
Not easily. Massachusetts law requires ambiguous policy terms to be interpreted in favor of the beneficiary, and Worcester courts frequently enforce that standard.
What happens if the insured left Worcester and moved shortly before death — does it change anything?
No. Residence changes don’t typically affect life insurance eligibility. The key issues remain policy language, payment status, and valid beneficiary designations.
Can failure to disclose a dangerous job — like roofing or demolition — cause denial in Worcester?
It might during the contestability period, but only if the omission was intentional and materially affected underwriting. Innocent omissions are usually not enough to void coverage.
What legal action can Worcester families take after a bad-faith life insurance denial?
They can sue for breach of contract and, in bad faith cases, recover attorney’s fees and punitive damages. Massachusetts law strongly protects Worcester families against unfair claim practices.
You can explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).