Let Our Team of Experienced Montana Life Insurance Lawyers Help You With Your Life Insurance Claim
Contact Boonswang Law For Your Free, No-Obligation Case Review with a Montana Life Insurance Lawyer
Our life insurance lawyers have helped people in Montana file their claims for life insurance death benefits and fight unfair life insurance claim denials. You don’t have to take no for an answer! Life insurance companies frequently deny claims for any reason that is even remotely applicable because they only make money for their shareholders when they don’t pay claims. We will help you fight back.
Boonswang Law’s dedicated team of life insurance lawyers serves beneficiary clients throughout the great state of Montana. We’ve helped life insurance beneficiaries who live in and near the following cities in Montana:
- Great Falls
- Butte – Silver Bow
- Anaconda – Deer Lodge County
- Miles City
- Helena Valley Southeast
- Helena Valley West Central
Commonly-Used Reasons Life Insurance Companies Deny Life Insurance Beneficiary Claims in Montana
Life insurance beneficiaries should just automatically receive the death benefit when the insured dies, however, this rarely happens. Why? Again, life insurance companies exist to make money, not pay out. For this reason, life insurance companies often deny claims for death benefits for the following reasons which often turn out to be wrong when we investigate further.
Failing to Pay Premiums
A policyholder must pay a premium each month to maintain life insurance coverage. If payments are not made, life insurance coverage will lapse, causing claims for death benefits to be denied.
You may think that that is the end of the story, but we have frequently found that the lapse in coverage was not the fault of the policyholder. In cases where the life insurance company failed to send legally-required notices to the policyholder, we have gotten our clients paid. Similarly, we have gotten our clients paid when the policyholder’s employer failed to give or process the forms to convert group coverage to an individual life insurance policy, and when the policyholder was eligible for a disability waiver of premium but did not receive it.
Call us if your claim was denied due to policy lapse. We may be able to help you.
Mistakes happen all the time. But if a policyholder records incorrect information on their initial application for life insurance and medical questionnaire, the life insurance company may accuse the policyholder of intent to defraud by misrepresenting themself and deny their beneficiary’s claim for death benefits.
As a matter of public policy, life insurance companies can deny claims when the policyholder allegedly misrepresents themselves. This is to deter people from lying about their health conditions, lifestyle habits, or age on their applications just to get a lower premium payment.
We have been able to help many, many beneficiary clients in Montana under these circumstances. Most of the time, we investigate and can show that the alleged misrepresentation was not made with the intent to defraud.
If your life insurance claim was denied for misrepresentation, give us a call.
Cause of Death Excluded from Coverage
Life insurance policies list causes of death that are excluded from coverage, and every policy differs. Death by acts of war or terrorism and suicide are commonly excluded. The bottom line is, if the policyholder’s death is even possibly covered in a written exclusion, the life insurance company will use the exclusion as an excuse to deny your claim.
If the life insurance company tells you an exclusion allegedly applies to the policyholder’s cause of death, give us a call. An MT life insurance lawyer can help you get paid.
Insufficient Proof of Death
Every life insurance company requires official proof of the death of the policyholder in order to process and pay a beneficiary’s claim for death benefits. While 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, if the policyholder died overseas, sometimes foreign documents do not have enough information to prove that the policyholder died. 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 to Expect When You Work With an Experienced Montana Life Insurance Lawyer
First, know that we represent beneficiaries in life insurance claims and life insurance claim denials on a contingency basis. This 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 Montana life insurance claim:
- We communicate with the life insurance company so that you don’t have to
- We apprise you of all developments in your case
- We answer your correspondence and questions promptly
- We fully investigate the reasons given for your claim being denied or delayed
- We determine whether the reason your claim was denied applies
Remember, life insurance companies have incentive to cite any possibly-applicable reason to delay or deny your claim for death benefits, and because of this many valid life insurance claims are denied or payout is delayed unfairly. We can help you get paid.
Common Questions About Montana Life Insurance Benefits
HOW DO I DETERMINE WHETHER SOMEONE WHO RECENTLY DIED HAD LIFE INSURANCE?
There are ways you can investigate and find out. If you suspect someone had group life insurance through work, contact their employer and ask. Otherwise, try looking through their important papers for life insurance policy documents and reviewing their bank statements for evidence of life insurance premium payments.
HOW LONG DOES IT TAKE TO GET A LIFE INSURANCE CLAIM PAID IN MONTANA?
Typically, it takes a life insurance company 30-60 days to process and pay a claim for death benefits in Montana. If you retain an experienced life insurance attorneys, they can ensure that your claim is filed timely and correctly and that the claim process goes as smoothly as possible.
IT HAS BEEN MORE THAN 60 DAYS SINCE I FILED MY CLAIM AND I HAVEN’T HEARD ANYTHING, WHAT SHOULD I DO?
If you have heard nothing about the status of your claim yet, your claim may be delayed unreasonably. In these cases, we have been able to force the life insurance company to pay interest to our clients. Give us a call–we may be able to help you get paid too.
MY LIFE INSURANCE CLAIM WAS DENIED, WHAT SHOULD I DO?
You should contest the claim denial. Along with the notice of denial, the life insurance company should have sent you a letter explaining why your claim was denied.
An experienced MT life insurance lawyer can assist you in disputing a denied claim. In many cases, we have found that the reason the life insurance denied the claim was insufficient or does not actually apply. Call us–we know how to navigate the process to improve your chances of getting the money your loved one intended you receive.
MY CLAIM WAS DENIED DUE TO POLICY LAPSE, CAN I DO ANYTHING ABOUT IT?
Yes! You can contest the denial and let us investigate. In many cases, we discover that the lapse was not the fault of the policyholder, and our clients receive the death benefit despite the lapse.
The facts of every lapse situation differ, so it’s best to talk to an experienced Montana life insurance lawyer about your particular case.
MY LIFE INSURANCE CLAIM WAS DENIED DUE TO “MISREPRESENTATION,” WHAT SHOULD I DO?
Call us for help–we will help you dispute the denial. We thoroughly investigate every misrepresentation case we get, and very often find that while the policyholder may have made a mistake, they had no intent to deceive or defraud the life insurance company. We have gotten many payouts for our Montana clients under these circumstances.
WHAT HAPPENS WHEN A LIFE INSURANCE BENEFICIARY DIES BEFORE THE POLICYHOLDER?
If 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.
To avoid this, policyholders should keep their beneficiary designations up-to-date and name contingent or secondary beneficiaries who can receive the death benefit should the primary beneficiary be unavailable.
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 on behalf of the minor child for the death benefit to be paid into, the court will step in and appoint someone to administer the funds for the minor child.
THE BENEFICIARY DESIGNATION WAS CHANGED AT THE LAST MINUTE, CAN I FILE A BENEFICIARY DISPUTE?
If you suspect that the beneficiary change 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.
WHEN SHOULD A SPOUSE OR FORMER SPOUSE CONTEST A LIFE INSURANCE BENEFICIARY DESIGNATION?
Whether a former spouse or the current spouse of the policyholder is the life insurance beneficiary depends upon state law or whether there is a court order contrary to the beneficiary designation. It’s tricky. An experienced life insurance lawyer can help you understand your rights as the policyholder’s spouse or former spouse.