You Can Trust Boonswang Law’s Massachusetts Life Insurance Lawyers
Contact an MA Life Insurance Lawyer at Boonswang Law to Discuss Your Life Insurance Claim
Our team of life insurance lawyers has helped people throughout Massachusetts receive the life insurance death benefits their loved ones intended.
Your loved one purchased a life insurance policy to ensure your financial well-being. You would think that as a life insurance beneficiary, you would automatically receive the death benefit upon your loved one’s death. Unfortunately, this is not always the case.
Life insurance companies often attempt to thwart the goals of policyholders by unfairly and incorrectly denying or delaying payment on life insurance claims. If you feel your life insurance claim was wrongly denied or payment is being delayed, the MA life insurance lawyers at Boonswang Law can help you get your payout.
Our Life Insurance Lawyers Have Helped Beneficiaries from these Massachusetts Cities and the Surrounding Areas:
- New Bedford
- Fall River
Common Reasons Life Insurance Death Benefits are Denied in MA
Insufficient Proof of Death
If the policyholder died overseas, the life insurance company will likely delay payment on your claim because of a delay in receiving a death certificate, or because a foreign death certificate contains insufficient information regarding the policyholder’s death.
If the life insurance company is delaying payment on your life insurance claim for this reason, contact us. We can help–and the life insurance company may owe you interest!
Lapse or Termination of the Life Insurance Policy
A life insurance contract is simple – the life insurance company provides coverage in exchange for the policyholder’s premium payments. If premiums are not paid, coverage lapses and terminates.
Terminating life insurance coverage is highly regulated in each state, and often life insurance companies and employers who provide group life insurance coverage to employees fail to follow those regulations, resulting in nonpayment of premiums that is not the fault of the policyholder. In these instances, we may be able to get the beneficiary paid.
Cause of Death Excluded from Coverage
Every policy will list causes of death that are not covered. These are called “exclusions.” Suicide and death due to terrorism or acts of war are common exclusions in life insurance policies.
If an exclusion can be stretched to apply to a policyholder’s death, believe that the life insurance company will claim that it applies and deny your claim. In these cases, we investigate and can often show that the exclusion does not apply, and we get our beneficiary clients paid.
If a policyholder omits information or makes a mistake on the initial application for life insurance or the medical questionnaire, the life insurance company will allege that they misrepresented themselves in order to get a lower premium payment and then deny beneficiaries’ claims.
In these cases, if the alleged misrepresentation had nothing to do with the cause of death, we have gotten our clients paid. Even if the misrepresentation was related to the cause of death, we may be able to get our client paid the death benefit minus the amount the policyholder would have paid in premiums had the life insurance company known of the missing fact.
READY TO TALK TO AN ATTORNEY ABOUT YOUR LIFE INSURANCE BENEFITS?
What You Can Expect When You Work with an MA Life Insurance Lawyer at Boonswang Law
- We will review the terms of the life insurance policy terms and provisions to determine coverage and exclusions, and explain these to you
- We will review the denial letter and any other correspondence from the life insurance company to identify the reason or reasons for a delay or denial of your claim
- We will negotiate with the life insurance company to get you a payout when there is a dispute
- We will investigate claims and allegations made by the life insurance company in denying your claim to refute or cast doubt on those claims
- We will vigorously pursue your claim in court against the life insurance company when they are acting unreasonably or dishonestly in delaying or denying the payment of your valid life insurance claim
As a life insurance beneficiary, you should know that life insurance companies are staffed by experts, consultants, and life insurance attorneys whose task is to look out for the company’s profit margin. The more premiums a life insurance company collects and the fewer death benefit claims they pay out, the more money they make for its shareholders. In other words, the interests of the life insurance company are at odds with yours and the policyholder’s.
The Boonswang Law Firm will advocate for you to get you the death benefits you deserve after your loved one’s death.
Massachusetts Life Insurance FAQ
HOW LONG DOES IT TAKE TO GET A LIFE INSURANCE PAYOUT?
If there are no problems with the claim, the life insurance company should pay the beneficiary within 30-60 days of the claim being submitted. If this time has passed and your claim has not been paid yet, contact us. When a life insurance company unreasonably delays payment on a life insurance claim, they may owe you interest on the death benefit.
WHAT HAPPENS ON A DELAYED PAYMENT OF MY BENEFICIARY CLAIM?
If the delay was unreasonable, meaning, the life insurance company had no valid reason for waiting to pay you, you may be entitled to interest on the death benefit.
WHAT CAN I DO ABOUT A LIFE INSURANCE CLAIM DENIAL?
You can contest it. When you receive the denial letter you should also receive documents explaining how to contest the denial with the life insurance company. Call us if you need to contest denial of your life insurance claim–we can help you. Many claims that are initially denied are eventually paid when you fight back.
WHAT HAPPENS WHEN A MINOR IS LISTED AS A LIFE INSURANCE BENEFICIARY?
A minor cannot directly receive life insurance death benefits. Likely, a court will have to appoint a conservator to administer the funds on behalf of the minor beneficiary. Unfortunately, there is little to prevent a conservator from using the funds for their own benefit.
If a policyholder wishes a minor to receive the death benefit, they should set up a trust with the minor as beneficiary of the trust, and name the trust as beneficiary of the life insurance policy. This way, they can select who will act as trustee.
CAN I CONTEST THE BENEFICIARY DESIGNATION IF IT WAS CHANGED RECENTLY?
You can contest a beneficiary designation change if you suspect the change was made fraudulently or under duress. These cases are very difficult to prove, so be sure to contact an experienced life insurance beneficiary attorney for help litigating this.
MY LIFE INSURANCE CLAIM WAS DENIED DUE TO LAPSE, WHAT CAN I DO?
You should contest the denial. It is possible to still get a payout if the lapse was not the fault of the policyholder, for example, if an employer failed to give the policyholder conversion papers or improperly administered the policy, or if the life insurance company failed to send the policyholder the legally-required notices of lapse.
Call our MA life insurance lawyers if your life insurance claim was denied due to lapse. We will investigate and get you paid if at all possible.
HOW DO I FIND OUT IF SOMEONE HAD A LIFE INSURANCE POLICY?
If you suspect a loved one had a life insurance policy but don’t know for sure, you will have to dig around for evidence. The contents of a safe-deposit box or your loved one’s desk drawers might give you a clue. You can also look through your loved one’s recent mail for premium notices, and look through bank account statements for evidence of premium payments.
CAN A LIFE INSURANCE BENEFICIARY DESIGNATION BE CHANGED AFTER THE POLICYHOLDER’S DEATH?
Absolutely not. If the beneficiary designation was changed after the date of the policyholder’s death, that change was fraudulent. Contact an experienced life insurance beneficiary attorney immediately.
CAN A SPOUSE CONTEST A LIFE INSURANCE POLICY?
Yes, if they were supposed to be the named beneficiary for any reason and someone else was named. Contact us if you were supposed to be a beneficiary on a life insurance policy but someone else was named instead – we can help you.
WHAT HAPPENS IF THE BENEFICIARY ON A LIFE INSURANCE POLICY CANNOT BE FOUND OR PREDECEASED THE POLICYHOLDER?
If the primary beneficiary died before the policyholder or the primary beneficiary cannot be found, the life insurance company will pay the death benefit to the secondary beneficiary or the contingent beneficiary. If the policyholder did not designate secondary or contingent beneficiaries, the death benefit can be paid to the policyholder’s estate.