Life Insurance Lawyer Serving Maine Recovering Your Benefits

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.

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 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.

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.

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.

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.

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.

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.

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.

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.