Jersey City Life Insurance Lawyer

Can a life insurance claim be denied if the insured dies within the two year contestability period and the insurer claims the application omitted prior medical consultations?

Yes. When death occurs within the first two years, insurers often review the application and compare it with medical records to determine whether any alleged omissions were material.

Can a life insurance company deny a claim during the two year contestability period because the insured did not disclose diagnostic testing?

Insurers sometimes review records of imaging or cardiac testing and argue that those tests should have been disclosed on the application.

Can a life insurance policy be rescinded during the contestability period if the insurer claims the insured failed to disclose prescription medications?

Some insurers attempt to rescind coverage when they believe prescription history was not accurately disclosed during underwriting.

Can an accidental death and dismemberment claim be denied because the insurer says the death resulted from a medical condition rather than an accident?

Yes. AD&D policies usually require the accident to be the direct cause of death, and insurers sometimes argue that illness contributed to the fatal event.

Can a denied AD&D claim involve disputes about whether a heart condition contributed to the accident?

Yes. Insurers sometimes claim that a cardiac event caused the accident rather than the accident causing the death.

Can AD&D claims be denied under exclusions related to alcohol intoxication at the time of the accident?

Some policies contain intoxication exclusions, and insurers may rely on toxicology findings when applying them.

Can AD&D claims be denied because the insurer claims illegal drug use contributed to the accident?

Certain policies contain exclusions involving illegal substances, which insurers sometimes invoke during claim investigations.

Can AD&D claims be denied under exclusions involving dangerous recreational activities such as skydiving or high speed racing?

Some policies exclude certain high risk activities, and disputes sometimes arise over whether the activity fits the exclusion.

Can a life insurance claim be delayed while the insurer investigates the circumstances surrounding the death?

Yes. Insurers sometimes delay claims while collecting medical records, police reports, and other documentation.

Can a life insurance claim be delayed during the contestability period while the insurer reviews the policy application?

Yes. Deaths occurring within the first two years frequently lead to a detailed investigation of the application and underwriting file.

Can a beneficiary dispute arise if multiple beneficiary forms appear in the insurer’s records?

Yes. Conflicting designations sometimes lead to disputes among family members or other claimants.

Can a beneficiary dispute occur when the insured changed beneficiaries shortly before death?

Yes. Family members sometimes challenge last minute beneficiary changes by questioning capacity or intent.

Can an interpleader lawsuit be filed when two or more people claim the same life insurance proceeds?

Yes. Insurers sometimes deposit the funds with the court and allow a judge to determine the rightful beneficiary.

Can an interpleader case involve allegations that the insured’s signature on the beneficiary form was forged?

Yes. Courts may review handwriting evidence, documents, and testimony to resolve such disputes.

Can an ERISA life insurance claim be denied because the employee allegedly failed to complete enrollment through the employer’s benefit system?

Yes. Insurers sometimes rely on plan enrollment procedures when denying ERISA governed claims.

Can ERISA life insurance disputes involve disagreements about whether the employer properly recorded a beneficiary designation?

Yes. Administrative errors in employer benefit systems sometimes lead to disputes about which beneficiary designation applies.

Can a FEGLI life insurance claim involve disputes about the official beneficiary designation form filed with the federal government?

Yes. The beneficiary designation on file with the federal agency typically controls who receives the proceeds.

Can a FEGLI policy still pay benefits based on a beneficiary form submitted many years earlier?

Yes. Unless a new designation was filed, the earlier form usually remains valid.

Can life insurance claims be denied because the insurer says the insured failed to disclose abnormal laboratory findings?

Insurers sometimes review blood test results and argue that certain abnormalities should have been disclosed during underwriting.

Can life insurance claims be denied because the insurer claims the insured failed to disclose ongoing monitoring for a chronic medical condition?

Insurers sometimes rely on records showing repeated doctor visits or monitoring when alleging application misrepresentation.