People often rely on life insurance benefits to help make up for the financial losses they experience after the death of a loved one. Unfortunately, life insurance companies sometimes deny valid claims, leaving families struggling to make ends meet.
At Cariati Law, we fight to get life insurance claim denials overturned. We have years of experience helping families get the benefits they deserve after losing a loved one. We understand what you are going through and are here to help.
If you received a life insurance denial letter, contact Cariati Law for a free consultation. We will review your situation and let you know what we can do to help.
We fight to get life insurance claim denials overturned.
If a life insurance policyholder dies and their beneficiary files a claim for the payout, the insurance company may deny the claim. This can be devastating. Do not give up.
An experienced life insurance lawyer at Cariati Law in Ontario, Canada can help. We’ll work to get your life insurance benefits paid out, even if the insurance company denied your claim.
We’ll work with the insurance company to try to resolve the dispute and get your benefits paid.
What are the five most common reasons insurance companies deny life insurance claims?
There are several reasons why an insurer might deny a life insurance claim. Some of the most common reasons are:
- The beneficiary was not designated by the policyholder.
- The death was caused by suicide.
- The death was caused by an illegal act.
- The life insurance policy had lapsed or been canceled.
- The claimant provided false information on the insurance application.
Will a life insurance policy pay if someone has a drug overdose?
A life insurance policy will generally not pay benefits if the death is due to a drug overdose. However, there may be some exceptions depending on the policy and the circumstances of the death.
If you are considering filing a life insurance claim, it is important to speak with an experienced lawyer to determine your options.
The team at Cariati Law can help you understand your rights and guide you through the process.
Have your benefits been denied due to a “Waiting Period” clause?
Insurance companies often deny life insurance payouts to beneficiaries if the policyholder dies within a certain period of time after taking out the policy. This is known as a “waiting period.”
The waiting period is usually around two years, but it can vary from company to company.
It’s very frustrating since a policyholder has paid for life insurance coverage with the expectation that their loved ones will be taken care of financially after their death.
It is helpful to hire an attorney who handles life insurance appeals and wrongful death claims.
If an insurance company denies death benefits, what can you do?
Beneficiaries have a few options when an insurance company denies death benefits. You can file a lawsuit, appeal the decision, or negotiate with the insurance company. Hiring a law firm that focuses on negotiating with insurance companies can make a big difference.
It’s important to know your rights if they deny death benefits, whether based on an autopsy report, health condition, or medical condition. Cariati Law is here to help you every step of the way and will fight for the benefits you deserve.
We know this is a difficult time for you and your family, and we want to make things as easy as possible. We’ll handle all the paperwork and negotiations with the insurance company so that you can focus on grieving your loss.
Contact us today for a free consultation. We will review your life insurance denial claim and let you know how we can help.
What is a life insurance beneficiary?
A life insurance beneficiary is a person or organization who receives the payout from a life insurance policy in the event of the policyholder’s death. They may be designated by the policyholder or chosen by the life insurance company.
Some life insurance policies allow for more than one beneficiary, and beneficiaries may be designated as primary or secondary.
The purpose of a life insurance policy is to provide financial security for the beneficiary in the event of the policyholder’s death. The payout from a life insurance policy can be used to pay for funeral expenses, debts, estate taxes, and other final expenses.
It can also provide income for the beneficiary to help them continue living after the policyholder’s death.
What you need to know about life insurance beneficiary rights.
As a life insurance policy beneficiary, you can assert your rights if your benefits are denied. If the insurance company denies your claim, they must provide a written explanation of the reason for the denial.
You have the right to appeal the decision. The insurance company must follow specific procedures when denying a claim.
- They must mail or deliver the denial notice to you.
- They need to include a statement about your right to appeal.
- They must tell you how to get more information about the appeal process.
How do I claim a life insurance benefit after death?
If someone dies and has life insurance, the beneficiary must follow a few steps to claim the benefits.
- The first step is to notify the insurance company of the death. This can be done by phone, mail, or email.
- The insurance company will then send out a claim form for the beneficiary to complete.
- You will need to provide information about the policy, the deceased person, and their relationship to them.
- Once the form is completed, the beneficiary will need to send it back to the insurance company along with a copy of the death certificate.
- The insurance company will then process the claim and pay out any benefits that are owed.
We settle life insurance claims and disputes throughout Ontario, Canada.
If you have a life insurance claim that has been denied or delayed, call Cariati Law for help. The team at Cariati Law can review your claim and help you understand your rights as a beneficiary.
Contact us today for a free consultation by calling 905-629-8040 or filling out a form on our website today. An intake specialist will contact you immediately. These claims can be resolved fairly quickly.
You Never Have to Pay a Lawyers Fee Upfront.
At Cariati Law, we will work to get your insurance benefits paid on a contingency fee basis. This means you do not need to pay us anything upfront; in fact, we only get paid if we are successful in getting your benefits paid.
If we get your life insurance benefits paid, we will take a percentage of the benefits as our fee.
If, after we have fought to get your benefits paid, the insurance company still denies the claim, you owe us nothing.