Life Insurance Claim Issue

Life insurance claims are often not made because family members don't even know that the benefits exist for their relatives.  If your loved one has recently died, it is important to learn the benefits that they are entitled to.  The benefits contained in the benefits booklet provided by the decedents employer.

Like other insurance claims, life insurance companies will search for ways to avoid paying claims rather than find a way to pay the claim.  This is so especially when the policy was issued shortly before the death of the insured, if the cause of death is unusual or if the cause of death can be construed as a suicide.

The insurance company may choose not to pay the proper amount benefits.  For example, does the policy call for payment of additional benefits in the event of an accidental death?  Has this payment been made?  The insurance company will not always characterize the cause of death as an accident.  In some cases a heart attack has been held to be an accident.

For further assistance, please click here to complete a brief questionnaire so that we may assist you in getting the claim paid.

Disability Claim Issue

Disability insurance is often offered by employers are part of the employee benefits package.  It is essential when you become disabled not to ignore this potential source of benefits to assist you at the time of need.  Many times you will not know when you have the benefit.  The benefit will be explained in the booklet provided by your employer.  

If you have the benefit, you need to make to make the claim as soon as you become disabled to permit the insurance company to process the claim.  If the claim is denied, it must be appealed to the insurance company.  The appeal must include not only the reasons why you think the claim should be paid, but all of the evidence you have or can get to support your position.  If you don't include all of that information, it can't be used if you have to end up in court with the insurance company.

You can also buy disability insurance individually.  If you have purchased individual disability insurance, you may not need to appeal the denial.  However, it is important to gather together all of the evidence that supports your claim so that the denial may be properly evaluated.

For further assistance, please click here to complete a brief questionnaire so that we may assist you in getting the claim paid.

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