If you have recently lost a loved one, dealing with their life insurance company is probably the last thing you need, and all too frequently, filing a claim for death benefits isn’t as straightforward as it should be.
If you’ve filed your life insurance claim and your payout is being delayed or your life insurance claim was denied, contact us right away. We know all of the reasons the life insurance companies try to use to unfairly delay or deny claims, and we will help you fight back.
Contact an Ohio Life Insurance Lawyer at Boonswang Law for your free consultation. Our team of experienced life insurance lawyers has helped people throughout Ohio receive their rightful benefits.
BOONSWANG LAW HAS SERVED BENEFICIARY CLIENTS THROUGHOUT OHIO WITH A DEDICATED TEAM OF LIFE INSURANCE LAWYERS. WE’VE HELPED LIFE INSURANCE BENEFICIARIES WHO LIVE IN AND NEAR THE FOLLOWING CITIES IN OHIO:
COMMON REASONS LIFE INSURANCE CLAIMS DENIED IN OHIO
It is easy to assume that when someone purchases a life insurance policy, their beneficiaries automatically receive death benefits when they die. Unfortunately, this is not always the case. Life insurance companies frequently use the following reasons to initially refuse to pay beneficiaries’ claims for death benefits, often unfairly.
Life insurance companies require official proof of death of the insured in order to process a claim for death benefits. This proof may take the form of a certified death certificate, an obituary, or a bill from the funeral home or crematorium. If the insured died overseas, sometimes a foreign death certificate is insufficient to prove death. If your claim has been denied for this reason, contact us–we can help.
Policy Lapse or Termination
Life insurance premiums must be paid to maintain coverage. If the insured failed to pay premiums for any reason, coverage will lapse and any claims for the death benefit will be denied. However, there are often cases in which non-payment of premiums is not the fault of the insured and the beneficiaries can still get paid. If your claim was denied due to policy lapse or termination, call us. We may be able to help you.
Cause of Death is Excluded from Coverage
Every life insurance policy will list causes of death that are excluded from coverage. Common exclusions include suicide and acts of war or terrorism. If the circumstances of the death of the insured are excluded from coverage, the life insurance company will refuse to pay death benefits.
If your claim for death benefits was denied because an exclusion allegedly applies to the insured’s cause of death, give us a call. An Ohio life insurance lawyer can help you understand what is excluded or covered in a policy and may be able to show that the exclusion does not in fact apply
Misrepresentation on the initial life insurance application and medical questionnaire is a form of life insurance fraud that will likely result in denial of your claim for death benefits. Even if the insured made an innocent mistake, such as transposing the numbers on their date of birth, the life insurance company will deny your claim.
If your claim was denied due to alleged misrepresentation, call us–we have gotten many beneficiary clients in Ohio paid under these circumstances.
WHAT TO EXPECT WHEN YOU WORK WITH AN EXPERIENCED OHIO LIFE INSURANCE LAWYER
If you’ve never worked with a life insurance lawyer in Ohio, know that there are several benefits to hiring Boonswang Law instead of trying to handle your life insurance claim on your own. Below are some of the many ways we can and will assist you with your claim:
- We handle all correspondence and communications with the life insurance company
- We keep you apprised of developments in your case
- We review the terms of the policy
- We investigate why your claim has been denied or delayed
- We investigate whether the denial reason used applies
- We follow up with the life insurance company on any delayed payouts
Let’s face it–life insurance companies only make money for their shareholders when they DON’T pay claims. That’s right–life insurance companies have incentive to cite any possibly-applicable reason to delay or deny your legitimate claim for death benefits. We help people in Ohio whose claims are unfairly denied or delayed get paid.
COMMON QUESTIONS ABOUT LIFE INSURANCE BENEFITS IN OHIO
HOW LONG DOES IT TAKE TO GET A LIFE INSURANCE PAYOUT IN OHIO?
It usually takes a life insurance company 30-60 days to process a claim for death benefits.
In order to receive your payout as soon as possible, try to file your claim as soon after the insured’s death. Working with an OH life insurance lawyer ensures that your claim is filed timely and correctly and that the process goes as smoothly as possible.
WHAT HAPPENS WHEN A LIFE INSURANCE CLAIM IS DENIED IN OHIO?
You should contest the claim denial. Often legitimate claims for death benefits are improperly denied, and you still might be able to get paid.
The life insurance company will send you an explanation letter listing the reason or reasons they will not pay your claim. In our experience, we have found that those reasons are often insufficient or do not actually apply. Our experienced OH life insurance lawyers can assist you in disputing a denied claim. Call us–our years of experience will improve your chances of getting the money you deserve.
WHAT HAPPENS WHEN A MINOR IS LISTED AS LIFE INSURANCE BENEFICIARY?
In this case, the court must appoint someone to administer the proceeds of the life insurance policy. A policyholder can avoid this by establishing a life insurance trust in the name of the minor child, and name the trust as beneficiary.
HOW CAN I FIND OUT WHETHER MY LOVED ONE HAD A LIFE INSURANCE POLICY?
There is no nationwide database listing every single life insurance policyholder. If you suspect your loved one had life insurance, you can investigate by contacting their employer to ask about benefits, looking through their important paperwork for life insurance policy documents, and reviewing their bank statements for evidence of life insurance premium payments.
CAN I SHARE LIFE INSURANCE BENEFITS WITH MY SIBLINGS?
Yes! If the insured listed only one of their children as the beneficiary, that child may share with their siblings.
CAN DEATH BENEFITS BE CONTESTED IF THE BENEFICIARY DESIGNATION WAS RECENTLY CHANGED?
Yes. If you suspect that the change was made fraudulently or under duress, or if the change was made in defiance of a court order establishing life insurance coverage, you can file a beneficiary dispute. Keep in mind that all policyholders may change life insurance beneficiaries while they are alive as long as they are of sound mind and not under duress, and not subject to a court order. Not all last-minute beneficiary changes are fraudulent.
CAN I STILL RECEIVE DEATH BENEFITS IF THE INSURANCE POLICY HAS LAPSED?
Perhaps. We would need to investigate the reason premiums were not paid in order to determine whether the lapse was not the fault of the insured. Examples of lapses where the beneficiaries still get paid include when the insured does not receive the required notices and when the insured is not given the conversion forms by their employer.
Every situation is different, so it’s best to talk to an Ohio life insurance lawyer at Boonswang Law so that we can directly address the specific policy in question.
CAN A LIFE INSURANCE BENEFICIARY DESIGNATION BE CHANGED AFTER THE INSURED’S DEATH?
No. The policyholder is the only person who can make changes to the policy unless they have granted power of attorney. Any paperwork showing that the beneficiary has been changed after the insured’s death is fraudulent. Contact Boonswang Law immediately if you believe that someone is attempting to scam you out of your death benefits.
WHAT DO I DO IF MY CLAIM WAS DENIED DUE TO MISREPRESENTATION?
Give us a call–we can help. Alleged misrepresentation on the part of the insured is probably the most common reason life insurance companies deny otherwise valid life insurance claims. We have gotten beneficiaries paid in cases where it was an honest mistake on the part of the insured, there is no evidence of the intent to deceive, and the cause of death had nothing to do with the alleged misrepresentation.
Contact Our Team of Life Insurance Attorneys Today
Has your loved one’s life insurance death benefits claim been denied? Contact us for a free consultation at Boonswang Law. Our life insurance lawyers have helped clients like you recover the funds they legally deserve from insurance companies. If you don’t receive the full amount from the policy that’s due, there is no fee for us. We are here to help you.