Paterson 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 specialist visits?

Yes. When death occurs within the first two years, insurers often compare the application answers with medical records and may argue that certain specialist consultations should have been disclosed.

Can a life insurance company deny a claim during the two year contestability period because medical records reveal previously undisclosed symptoms?

Insurers sometimes review physician notes and argue that symptoms documented in medical records were not disclosed on the application.

Can a life insurance policy be rescinded during the contestability period if the insurer claims the insured failed to disclose ongoing medical monitoring?

Some insurers attempt to rescind coverage when they believe the application omitted follow up care or monitoring for medical conditions.

Can an accidental death and dismemberment claim be denied because the insurer says the accident was caused by a preexisting condition?

Yes. Insurers sometimes argue that a medical condition triggered the event rather than the accident causing the death.

Can a denied AD&D claim involve disputes about whether the injury directly caused the death?

Yes. AD&D policies often require proof that the accident directly resulted in death without other contributing causes.

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

Some policies contain exclusions related to intoxication, and insurers sometimes rely on toxicology reports when evaluating the claim.

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

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

Can AD&D claims be denied under exclusions involving high risk recreational activities such as skydiving or extreme sports?

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

Can a life insurance claim be delayed while the insurer reviews medical records and investigative reports?

Yes. Insurers sometimes delay payment while gathering documentation from hospitals, physicians, or government agencies.

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

Yes. Deaths within the first two years often lead to a detailed review of the application before the insurer decides the claim.

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

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

Can a beneficiary dispute occur when family members challenge a beneficiary designation made shortly before death?

Yes. Relatives sometimes claim the insured lacked capacity or was influenced when making the change.

Can an interpleader lawsuit be filed when the insurer receives competing claims from multiple beneficiaries?

Yes. Insurers sometimes deposit the proceeds with the court and ask a judge to determine who is entitled to the funds.

Can an interpleader case involve allegations that the beneficiary designation was altered after it was signed?

Yes. Courts may examine documents, witness testimony, and other evidence to determine the validity of the designation.

Can an ERISA life insurance claim be denied because the employee allegedly did not meet eligibility requirements under the employer’s plan?

Yes. Employer benefit plans often contain eligibility rules that insurers rely on when evaluating ERISA governed claims.

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

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

Can a FEGLI life insurance claim involve disputes about which beneficiary designation form controls?

Yes. The beneficiary designation on file with the federal government usually determines who receives the proceeds.

Can a FEGLI policy still pay benefits based on a beneficiary form submitted years earlier if no new form was filed?

Yes. Unless the designation was updated, the earlier form generally remains valid.

Can life insurance claims be denied because the insurer says the insured failed to disclose abnormal diagnostic test results?

Insurers sometimes review imaging reports or laboratory results and argue that certain findings should have been disclosed during underwriting.

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

Insurers sometimes rely on records showing repeated medical visits or treatment when alleging application misrepresentation.