This is what to do if a loved one’s life insurance claim is denied

Life insurance is a provision that people make to have peace of mind that if they die, their family will have financial support and stability.  If the insurer delays payment or denies coverage under the policy, it can feel like a personal attack on the family or on the deceased.  

If you’re facing this unfortunate situation, it’s essential to have a professional on your side to understand the terms of the policy, and the grounds for the denial. An experienced legal professional will be able to review the situation and advise you as to your rights and responsibilities under the terms of the policy. 

To help your lawyer help you, if possible, obtain a copy of the policy. Often, a life insurance policy renews automatically. With many insurers using a website or portal for their clients, it may be possible to obtain a complete copy of the most recent renewal.  

Also, try to update the medical and other records that may be needed to support the claim. The Executor of the Estate, if there is one listed in a Will, may be able to access the decedent’s medical records from hospitals or other medical facilities. Having these records can provide needed evidence for the claim.  

Consult with a legal professional as early in the process as possible. In addition to the possibility of the insurer is acting in bad faith or failing to comply with regulations, there might be other issues to investigate, or other parties to involve. Each situation is unique, and every case has its own set of issues. The sooner you have professional advice that is specific to your case, the better you will be able to understand and pursue your options. 

Conclusion 

A denied life insurance claim can feel like an additional blow during an already challenging time. However, with prompt and professional advice, you may be able to obtain the benefits that your loved one intended.