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Help Filing a Life Insurance Claim
When you’re grieving the death of a family member, the last thing you should have to worry about is how you will take care of your family. That’s why your relative took out a life insurance policy in the first place, after all.
But now you’ve submitted your claim and been met with a devastating denial letter. What happens next? Is the denial the final word on the matter?
Just because your life insurance claim was initially denied, it doesn’t mean you need to lose hope. At the Mirian Law Firm, we have over fifteen years of experience handling life insurance claim appeals. We will examine why you were denied coverage and be diligent in answering any concerns the insurance company may have had.
Why Was My Life Insurance Claim Denied?
Insurance companies are for-profit businesses, and as such, they lose money by issuing payments on life insurance claims. There are a variety of ways that an insurer could unfairly justify denying your request for benefits. These are the most common:
- Excluding information about pre-existing medical conditions
- Missing premium payments
- Dispute over whether the death should be classified as accidental
- Death by suicide, which is usually only guaranteed to be paid if the claim has been in effect for at least two years
If none of the above applies to your situation, you don’t have to let the insurance company take advantage of you. Aren’t you suffering enough? Our firm can help you file a life insurance claim and get the best result possible, even if the insurer is dealing in bad faith.
Payment of Your Life Insurance Claim
After we’ve submitted all of the necessary documentation, including the appeal and proof of death by either a death certificate or a written statement by a physician, it is the responsibility of the insurer to respond in a timely manner.
Once we obtain an approval, you can typically expect a payment to be issued within seven to ten business days. You will have the option of accepting payment in one lump sum or in an agreed upon installment cycle (e.g., monthly, quarterly, yearly, etc.). It’s important to be aware that while death benefits themselves are not taxable, the accrued interest is.
Once you begin collaborating with a life insurance claim lawyer from our office to appeal a denial, we’ll waste no time in gathering the appropriate evidence to help you get the financial security you need so that you are able to grieve in peace.
Get in Touch with a Life Insurance Claim Lawyer
Mourning the loss of a loved one is never easy, and it shouldn’t be made more difficult by the uncertainty that comes with the denial of a life insurance claim. The Mirian Law Firm is here for you in your time of need.
Our experienced insurance lawyers will take care of the logistics in overturning the denial so that you can spend this difficult time with your family. Call us today at 647-556-5888 to set up a free, no-obligation consultation or fill out the contact form below to get started.