You count on your life insurance carrier to honor its promise to pay when the need arises. When an insurance company unfairly denies your claim for its financial gain, Rhode Island life insurance claims denied lawyer Jonathan M. Feigenbaum, Esquire, has the background and experience to make the insurer keep its promise.
Life insurance pays the beneficiary a lump-sum benefit on the death of the insured. The death can be from natural causes (an illness, old age), an accident, homicide, or even suicide if enough time has elapsed since the policy was purchased.
Common Reasons Why Insurers Question or Deny Life Insurance Claims
Payment delays or outright denials of life insurance claims are most common during the first two or three years after a policy is purchased (the contestability period). After that time, most life insurance policies become incontestable. Once the contestability period expires, the insurance company can deny a life insurance claim only for fraud, such as a forged signature on the application or the use of an imposter to take a medical exam.
During the contestability period, a life insurance company may delay paying or deny a life insurance claim on the grounds that:
- The death was a suicide; or
- The insured made a material misstatement on the insurance application.
Life insurance policies exclude coverage for a suicide that occurs during the first two or sometimes three years after the policy is issued. The purpose of the exclusion is to prevent someone who intends to commit suicide from taking out a policy expressly to provide his or her beneficiaries with an inheritance.
Insurers often delay or deny claims during the contestability period when the insured’s death was not from natural causes. Examples of deaths insurers find suspicious include single vehicle crashes, drug overdoses, gunshot wounds, or other self-inflicted injuries. Yet, all of these situations could be genuine accidents. A Rhode Island life insurance claims denied lawyer can help with sifting through the details of these accidents and get to the truth that will help you obtain your coverage.
The burden is on the insurance company to prove a death was suicide. As the claimant, you don’t have to prove that it is not. To deprive you of your benefits, the insurer has to have more than a suspicion of suicide. The insurer has to prove that the insured intended to end his or her life.
If the insurer is wrongly claiming your loved one’s death was suicide, Rhode Island life insurance claims denied lawyer Jonathan M. Feigenbaum will protect your right to payment.
During the two or three year contestability period, the insurer has the right to deny coverage for any “material” misrepresentations made by the insured on the policy application. Material misrepresentations are false statements or omissions of information that would affect the insurance company’s decision to issue the policy and the amount it would charge in premiums.
Material misrepresentations could include failing to mention health problems, a history of smoking or drug use, or participation in hazardous activities, such as skydiving. The misrepresentation does not have to have anything to do with the cause of death. However, here again, the insurance company has the burden to prove the insured made a misrepresentation and that it was material (i.e., the insurer would have done something different had it known). Boston life insurance claims denied attorney Jonathan M. Feigenbaum can help you defend your rights to coverage against malicious misrepresentation claims.
Accidental Death and Dismemberment Claims
Some life insurance policies include an extra benefit when the insured dies in an accident. Insurers routinely deny accidental death benefits in situations such as alcohol driving deaths or car crashes caused by a sudden heart attack. They use ambiguous and complex policy language to argue that these situations are not accidental deaths. Insurance companies hate any Boston life insurance claims denied attorney because these attorneys can poke holes through any policy and get the claimant the coverage they deserve.
Contact a Seasoned Rhode Island Life Insurance Claims Denied Lawyer
We combat the unscrupulous behavior of insurers in denying life insurance claims without adequate proof that the death is not covered. If you need legal representation in denied life insurance claims, contact Jonathan M. Feigenbaum online or by calling us at our New England law office at 617-357-9700 or 866-396-9722, to discuss your situation in a no-cost initial consultation.
Serving individuals in Massachusetts, Connecticut, Rhode Island, and New Hampshire.