If a life insurance claim has been denied, delayed, or disputed, you're likely dealing with confusing policy language and an insurance company that isn't making it easy.
At a time when you should be focused on your family, you're being forced to fight for benefits that should have been paid.
You don't have to figure this out on your own. Click Here to Schedule your FREE Consultation or use the form at the bottom of this page to get clear answers about your case.
What is a life insurance claim?
A life insurance claim is a request for payment made by a beneficiary after the policyholder passes away.
These policies are often provided through:
- Employer-sponsored benefit plans
- Individual life insurance policies
Many employer-provided policies are governed by ERISA, which adds another layer of complexity.
Why was my life insurance claim denied?
Common reasons include:
- Alleged misrepresentation on the application
- Claims the policy was not active
- Disputes over cause of death
- Beneficiary disputes
- Missed premium payments
Even valid claims are sometimes denied based on technical or policy-based arguments.
What is the contestability period?
Most life insurance policies include a contestability period, usually the first two years after the policy is issued.
During this time, the insurance company may:
- Review the application for inaccuracies
- Investigate the circumstances of death
- Deny claims based on alleged misstatements
These denials are often complex and require careful review.
What happens if there is a dispute over the beneficiary?
Beneficiary disputes can arise when:
- Multiple people claim entitlement
- A change in beneficiary is challenged
- There are questions about intent or documentation
In some cases, the insurance company may file an interpleader action and let the court decide.
What is an interpleader action?
An interpleader action occurs when an insurance company:
- Acknowledges the benefit is owed
- But cannot determine who should receive it
The funds are paid into court, and the dispute is resolved through litigation.
Can a life insurance claim be delayed?
Yes.
Common reasons for delays include:
- Requests for additional documentation
- Internal investigations
- Beneficiary disputes
- Questions about policy coverage
Delays can create financial stress during an already difficult time.
What should I do if my claim is denied?
If your life insurance claim is denied:
- Review the denial letter carefully
- Do not assume the denial is final
- Gather supporting documentation
- Evaluate your options for appeal or legal action
These cases often require a detailed review of both the policy and the facts.
Are employer-provided life insurance policies different?
Yes.
Employer-provided policies are often governed by ERISA, which means:
- Different legal rules apply
- Appeals may be required before filing a lawsuit
- The process is more structured and restrictive
Understanding whether ERISA applies is critical.
How long do I have to appeal a denied life insurance claim?
If your claim is governed by ERISA, you typically have 180 days to file an appeal.
Deadlines can vary depending on the policy, and missing them can limit your options.
What evidence is important in a life insurance claim?
Key evidence may include:
- The insurance policy
- Application and underwriting documents
- Medical records
- Death certificate
- Beneficiary designations
Disputes often come down to how these documents are interpreted.
Will my case go to court?
Not always.
Some claims are resolved through appeals or negotiation. Others may require litigation, especially in cases involving disputes or ERISA-governed policies.
Your Next Step
Life insurance claims should provide financial support when families need it most.
When a claim is denied or delayed, it can create unnecessary stress and uncertainty during an already difficult time.
You don't have to figure this out on your own. Click Here to Schedule your FREE Consultation or use the form at the bottom of this page to get clear answers about your case.
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