FEGLI, or the Federal Employees' Group Life Insurance Program, is a group life insurance program for federal employees and their families. Like other life insurance policies, FEGLI claims can be denied for a variety of reasons, including:
- Non-payment of premiums: If the policyholder fails to pay premiums on time, the coverage may lapse and any claims will be denied.
- Suicide: Most life insurance policies, including FEGLI, have a suicide exclusion that may apply if the insured dies as a result of suicide within a certain period of time after the policy is issued or reinstated.
- Misrepresentation on the application: If the policyholder provides false or inaccurate information on the application, the insurance company may deny any claims made under the policy.
- Material non-disclosure: If the policyholder fails to disclose important information that could impact the insurer's decision to issue the policy, such as a pre-existing medical condition, the insurer may deny any claims made under the policy.
- Exclusions for certain activities: Some life insurance policies may exclude coverage for certain activities, such as high-risk hobbies or occupations. If the insured dies as a result of an excluded activity, the claim may be denied.
- Lack of insurable interest: In some cases, a policyholder may attempt to name a beneficiary who does not have an insurable interest in the insured, such as a stranger or an ex-spouse. If the beneficiary does not have an insurable interest, the claim may be denied.
It's important to note that the specific reasons for denied FEGLI claims can vary depending on the circumstances of the claim and the terms of the policy. If a claim is denied, the policyholder or beneficiary should receive a written explanation from the insurance company outlining the reason for the denial. If there are any questions or concerns, it's a good idea to consult with our top life insurance attorneys.
Our life insurance lawyers have handled thousands of denied FEGLI claims and disputes, and we are here to help.