What You Should Do Following Denied Life Insurance Benefit Claims

Many people depend on payouts from life insurance policies if a loved one suddenly passes away. Unfortunately, it is not all the life insurance policies that are approved. Some might be delayed while others might be outright denied and not always for good reason.

This is the reason why beneficiaries of life insurance policies and current policy holders should understand their rights and responsibilities when it comes to filing a claim and what they need to do should a claim be denied.

Here is what you should do following a denied life insurance benefits claim according to an Oakland ERISA Disability Attorney | Employee Benefits lawyer:

1.    Find Out The Reason For The Denial

Image result for Denied Life Insurance Benefit ClaimsOnce you receive the notice of a claim denial, you need to find out the grounds for the denial. The denial letter should outline this clearly. If it does not, you need to contact the insurance provider immediately. The law requires insurance providers to provide the grounds for denial in writing.

2.     Get Representations For Appealing The Decision

If you believe that the grounds for denial were illegal or unjust, it is important to appeal the decision. Appealing is a formal process of challenging the denial of the claim. This must be done in writing and the process of filing appeals varies among insurance providers.

3.    Consult A Life Insurance Lawyer

It is never recommended to go through the appeals process without the assistance of an experienced life insurance lawyer. This is particularly important for if you are unfamiliar with the appeals process. A life insurance lawyer is familiar with such claims and can help you every step of the way.

4.    Do Not Mistake An Outright Denial For A Delay

Outright denial is not the same thing as the delay of your life insurance claim. For a delay, chances are high that it will be eventually approved. It is important to retain a life insurance attorney for your delay since the claim will be easier and faster to resolve before denial.

5.    Review The Policy Documents carefully

It is important to have updated copies of your life insurance policy documents when dealing with a delay or denial of your claim. This is important since it will save the life insurance lawyer time since the policy can be reviewed immediately.

Final Thoughts

If your life insurance claim has been denied, it is important to keep the points discussed here in mind and you will be in a better position to handle the situation especially with the backing of an experienced life insurance lawyer.

Author, Cross-Culture Consultant, Intercultural Trainer. Trying to make something great of myself. I always wanted to do better than good enough.

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