Disputing Portable Coverage Life Insurance Claim Denials
Portable coverage refers to an insurance policy that allows the insured to maintain the same level of coverage when changing employers or retiring. While employees are typically covered under group plans during their employment, these plans may no longer be available once they stop working or switch jobs. In such situations, individuals may request to port their coverage, essentially transitioning it to an individual plan that offers similar protections.
When opting for portable coverage, the insured is required to complete and sign a portable application, which resembles a standard life insurance application. In some cases, this application does not include health-related questions, which can lead to confusion regarding the coverage it guarantees. It is important to note that a portable coverage application, like a basic life insurance application, may be subject to contestation by the insurance company if it has not been in effect for at least two years from the date of issuance until the insured's death.
This process can be bewildering and unjust for many of our clients who feel deceived by large insurance companies when life insurance benefits are denied after the passing of a loved one. Our dedicated life insurance attorneys are ready to advocate for beneficiaries and challenge insurance companies. We have a proven track record of achieving favorable outcomes through both court proceedings and out-of-court settlements. Our team possesses the expertise to hold insurance companies accountable for ambiguous policy language and unfair practices in denying claims.
If your loved one's portable coverage was initially approved but the insurer refused to honor the claim following their death, we urge you to seek our assistance. We have assisted numerous individuals in recovering funds after experiencing wrongful denial of benefits under portable coverage. Our firm boasts a 100% success rate in handling such claims.
Insurance companies often employ absurd justifications for denying life insurance claims. For instance, in a recent case, a widow filed a lawsuit against a life insurance company, alleging wrongful denial of a claim after her husband was shot in the back. The insurer refused to pay the claim, citing her husband's pre-existing condition of Hepatitis C, which was unrelated to the cause of his death. The widow contended that the cause of death had no connection to any pre-existing condition and argued that an accidental death resulting from murder is fundamentally distinct from a natural cause of death. The policy itself does not specify differences based on the manner of death or whether the beneficiary is eligible for payment in the presence of a pre-existing condition. According to applicable law, the cause of death should not be a determining factor.
Insurance companies have a two-year period to contest the information provided in a policyholder's application. If, within that timeframe, the company discovers that the applicant misrepresented their health information, they can void or rescind the policy, even if the person has already passed away. If your claim has been denied, it is crucial to have a skilled life insurance attorney who can represent you in a case of bad faith insurance practices against the company. Our experienced life insurance attorneys are here to assist you if your claim has been wrongfully denied.