A Team of Experienced Maine Life Insurance Lawyers Are Ready to Help You With Your Life Insurance Claim
Contact a Maine Life Insurance Lawyer at Boonswang Law For Your Free, No-Obligation Case Review
Our team of experienced life insurance attorneys has helped people throughout Maine file their claims for life insurance death benefits and fight against life insurance claim denial. Don’t take no for an answer! Life insurance companies are quick to deny claims for any remotely possible reason because they only make money for their shareholders when they don’t pay out. You can fight back. We can help.
Boonswang Law has a dedicated team of life insurance lawyers serving beneficiary clients throughout Maine. We’ve helped life insurance beneficiaries who live in and near the following cities in Maine:
- South Portland
Reasons Life Insurance Companies Frequently Use to Deny Life Insurance Claims in Maine
You would think that life insurance beneficiaries automatically receive death benefits when a policyholder dies. This is rarely the case. Life insurance companies often deny claims for death benefits for the following reasons, and often unjustifiably upon investigation.
The Life Insurance Policy Lapsed Due to Non-Payment of Premiums
In order to maintain life insurance coverage, a policyholder must pay a premium each month. If the policyholder fails to remit payment, life insurance coverage will lapse. Any claims for death benefits thereafter will be denied.
This is not as large a hurdle to jump as it may seem at first. Frequently, policy lapse is not the fault of the policyholder. Perhaps the policyholder’s employer failed to give or process the forms to convert group coverage to an individual life insurance policy. Perhaps the life insurance company failed to send legally-required notices to the policyholder. Perhaps the policyholder was eligible for a disability waiver of premium and did not get that.
If your claim was denied due to policy lapse, call us. We may be able to help you get paid.
A Policy Exclusion Applies to the Cause of Death
Every life insurance policy lists causes of death that are excluded from coverage. Common exclusions include suicide and acts of war or terrorism. If the policyholder’s death circumstances are even possibly covered in a written exclusion, the life insurance company will deny a claim for death benefits.
If your life insurance claim was denied because an exclusion allegedly applies to the policyholder’s cause of death, give us a call. A ME life insurance lawyer can help you get paid.
Alleged Misrepresentation on the Part of the Policyholder
If the policyholder enters incorrect information on their initial application for life insurance and medical questionnaire, the life insurance company may deny a beneficiary’s claim for death benefits due to alleged misrepresentation. This is the case even if the error was an innocent mistake!
Life insurance companies are allowed to deny claims when the policyholder allegedly misrepresents themselves in order to deter people from lying about things like health conditions, lifestyle habits, or age on their applications just to get a lower premium payment.
We have been able to show many, many times that the alleged misrepresentation was not made with intent to defraud, and got our client paid. If your claim was denied due to alleged misrepresentation, give us a call.
Foreign Death Certificate Insufficient Proof of Death
All life insurance companies require official proof of the death of the policyholder in order to process a beneficiary’s claim. Life insurance companies typically accept proof of death in the form of a certified death certificate, an obituary, or a bill from the funeral home. However, if the policyholder died overseas, sometimes foreign documents are not enough to prove death. If your claim has been denied for this reason, contact us–we can help you.
READY TO TALK TO AN ATTORNEY ABOUT YOUR LIFE INSURANCE BENEFITS?
What You Can Expect When You Work With an Experienced Maine Life Insurance Lawyer
Rather than trying to handle your claim for death benefits on your own, reap the many benefits of working with the ME life insurance lawyers at Boonswang Law. Remember, we take life insurance cases on a contingency basis, which means we do not get paid unless you do. Besides there being no out-of-pocket cost to you, here are some of the many ways we can and will assist you with your claim:
- We update you when there are developments in your case
- We answer your correspondence quickly and in full
- We fully investigate the reasons given for your claim being denied or delayed
- We fully investigate the cause of death of the policyholder
- We determine whether the denial reason used actually applies
- We resolve disputes over incorrect payout amounts
Purely to make a profit, life insurance companies are incentivized to cite any possibly-applicable reason to delay or deny your claim for death benefits. For this reason, many valid life insurance claims are denied or payout is delayed, unfairly! We will help you fight back and get paid.
Frequently Asked Questions About Life Insurance Benefits in ME
MY CLAIM WAS DENIED DUE TO POLICY LAPSE. WHAT CAN I DO ABOUT IT?
You can contest the denial and perhaps get a payout after all. Call us–we will investigate and help you discover and assess the circumstances causing coverage to lapse. If the lapse was not the fault of the policyholder, you may still receive death benefits.
Every lapse situation is different, so it’s best to talk to an experienced Maine life insurance lawyer. Call us so that we can investigate the specific circumstances in question and help you get paid.
I THINK SOMEONE WHO RECENTLY DIED HAD LIFE INSURANCE. HOW DO I FIND OUT?
Without knowing for certain whether your loved one had life insurance coverage, you can investigate. Try contacting their employer to ask about group life insurance coverage, looking through their important papers for documents relating to a life insurance policy, and reviewing their bank statements for evidence of life insurance premiums being paid.
HOW LONG DOES IT TAKE TO GET A LIFE INSURANCE PAYOUT IN ME?
A life insurance company typically takes 30-60 days to process and pay a claim for death benefits. If you work with an ME life insurance lawyer from the start, your lawyer can ensure that your claim is filed timely and correctly and that the process goes as smoothly as possible.
IT HAS BEEN MORE THAN 60 DAYS SINCE I FILED MY CLAIM AND I STILL HAVE NOT BEEN PAID, WHAT CAN I DO?
It sounds like your claim is being delayed unreasonably, and in that case, the life insurance company may owe you interest on the death benefit. Give us a call – we can help you get paid.
WHAT HAPPENS IF A MINOR IS DESIGNATED AS A LIFE INSURANCE BENEFICIARY?
A minor cannot receive life insurance death benefits. If the policyholder did not set up a trust for the death benefit to be paid into, a court will have to step in and appoint someone to administer the funds for the minor child.
WHAT SHOULD I DO IF MY LIFE INSURANCE CLAIM WAS DENIED?
You can and should contest the claim denial. The life insurance company will send you a letter of explanation setting forth the reason or reasons they denied your claim. In many cases, we have found that those reasons are insufficient or do not actually apply.
An experienced ME life insurance lawyer can assist you in disputing a denied claim. Call us–we know how to navigate the process to improve your chances of getting the money your loved one intended you receive.
MY LIFE INSURANCE CLAIM WAS DENIED DUE TO “MISREPRESENTATION.” I’M PRETTY SURE THE POLICYHOLDER WOULD NOT HAVE INTENTIONALLY MISREPRESENTED ANYTHING. WHAT CAN I DO ABOUT IT?
You can contest the denial. Call us for help. We thoroughly investigate every misrepresentation case we get and very often find that while a mistake was made, the policyholder had no intent to deceive the life insurance company. We have gotten many payouts for our clients under these circumstances.
WHAT HAPPENS WHEN THERE IS NO LIFE INSURANCE BENEFICIARY?
If the designated beneficiary died before the policyholder or cannot be found, and the policyholder did not name contingent or secondary beneficiaries, the death benefits will be paid to the policyholder’s estate.
Unfortunately, this means the death benefit is subject to the claims of the policyholder’s creditors. Policyholders should keep their beneficiary designations up-to-date and name contingent beneficiaries to avoid this.
THE BENEFICIARY DESIGNATION WAS CHANGED JUST BEFORE THE POLICYHOLDER DIED, SHOULD I FILE A BENEFICIARY DISPUTE?
If you have reason to suspect that the change in beneficiary designation was made fraudulently or under duress, or if the change was made in defiance of a court order, then yes, you should file a beneficiary dispute.
CAN A LIFE INSURANCE BENEFICIARY BE CHANGED AFTER THE POLICY HOLDER’S DEATH?
Absolutely not. Any forms showing that the beneficiary has been changed after the date of the insured’s death are fraudulent. Contact Boonswang Law immediately if you have reason to believe that someone is trying to scam you out of the death benefits you should be getting.
CAN A SPOUSE OR FORMER SPOUSE CONTEST A LIFE INSURANCE BENEFICIARY DESIGNATION?
Yes, if they have reason to do so. Whether a former spouse or the current spouse is the beneficiary despite someone else being designated as such depends upon state law, and that varies state-to-state. An experienced life insurance lawyer can help you understand your rights as the policyholder’s spouse or former spouse.