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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

Q1: 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 upon divorce unless it was reaffirmed afterward. In Worcester, this is a common issue in older policies never updated after separation.

Q2: 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 activity is clearly excluded. If the policy language is vague or the snowmobiling wasn’t extreme, Worcester beneficiaries can often argue the exclusion doesn’t apply.

Q3: What if the insured failed to disclose past hospitalizations — can the claim be denied in Worcester?
Possibly. During the contestability period, omissions may lead to denial. But if the hospitalizations were unrelated to the death or the insurer knew about them and still accepted premiums, the denial may be overturned.

Q4: Can a Worcester life insurance policy lapse for nonpayment without notice to the insured?
No. Massachusetts law requires insurers to provide proper notice and a grace period. If the insured didn’t receive those notices, Worcester families may still recover even if the premium was missed.

Q5: What happens when two people claim life insurance in Worcester and the insurer can’t determine who is right?
The company may file an interpleader in Worcester County Probate or Superior Court. The court will decide who gets paid, usually after examining all paperwork and family circumstances.

Q6: Can death during a surgery at UMass Memorial be excluded if it was elective?
Some policies exclude elective procedures. But in Worcester, we’ve won cases by showing the surgery was medically necessary or the exclusion didn’t apply to complications unrelated to the procedure itself.

Q7: Can a group life policy from a Worcester employer be denied if the enrollment form was never submitted?
Yes — but it may still be enforceable. If the employee believed they were covered, especially through city agencies, hospitals, or unions, the family may recover based on employer error or misrepresentation.

Q8: Can a Worcester life insurance claim be denied based on alleged fraud in the application?
Only if the insurer proves intentional deception. In Worcester, we routinely challenge denials based on vague questions, old medical records, or information the insurer should have verified before issuing the policy.

Q9: What if the Worcester policyholder died while committing a crime — can that void the claim?
Policies often exclude deaths during criminal acts. However, the crime must be serious and directly related to the death. A minor offense or speculative involvement is usually not enough to trigger denial.

Q10: Can a Worcester beneficiary be denied because they’re suspected of foul play?
Under the Massachusetts slayer rule, a beneficiary who caused the insured’s death cannot collect. But suspicion isn’t sufficient — there must be evidence or a legal finding of involvement.

Q11: 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 may need to obtain consular reports, foreign death records, or translated affidavits — all of which we help secure to satisfy the insurer.

Q12: Can life insurance be denied in Worcester for undisclosed depression or mental health conditions?
Insurers often try this, but unless the condition was material and related to the death, Massachusetts law protects beneficiaries. We’ve successfully argued that such denials rely on stigma more than substance.

Q13: 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 of their conversion rights, we may still recover. This is especially common with hospital staff, public school employees, and union workers in Worcester.

Q14: Are foreign-language or handwritten beneficiary designations valid in Worcester?
Yes — as long as they clearly express intent and are not contradicted by later documents. We’ve seen many valid designations in Portuguese, Spanish, and Vietnamese upheld by Worcester courts.

Q15: Can Worcester insurers deny claims based on missing documents or incomplete claim forms?
They can stall, but that doesn’t mean the claim is invalid. We routinely help Worcester families supply death certificates, identity records, and medical reports to complete the file and force the insurer’s hand.

Q16: What if the insured died after accidentally overdosing on prescribed medication?
Unless there’s a clear drug exclusion or evidence the overdose was intentional, the claim should be paid. In Worcester, we’ve succeeded in overturning denials for patients taking painkillers, antipsychotics, and opioids as prescribed.

Q17: Can Worcester life insurance claims be denied due to a vague policy exclusion?
Massachusetts law requires ambiguous terms to be interpreted in favor of the beneficiary. If the insurer relies on confusing or undefined language, we often get those denials reversed in Worcester courts.

Q18: What happens if the insured left Worcester and moved shortly before death — does it change anything?
No. Residence doesn’t usually affect claim rights. However, disputes may arise over which jurisdiction applies or whether the correct version of the policy was used. We help clarify those issues quickly.

Q19: Can failure to disclose a dangerous job — like roofing or demolition — cause denial in Worcester?
It might, especially during the contestability period. But the insurer must prove that the omission was intentional and affected the policy. If the insured never intended to deceive, the denial may not hold.

Q20: What legal action can Worcester families take after a bad-faith life insurance denial?
They can sue for breach of contract and, if the denial was willful or deceptive, for bad faith. Massachusetts law allows Worcester beneficiaries to recover attorney’s fees and additional damages if the insurer acted unfairly.

You can explore nationwide insurance resources through the National Association of Insurance Commissioners (NAIC).