We are happy to have resolved a denied Navy Mutual Life insurance claim due to alleged misrepresentation on the application.
Prescription history is one of the key tools insurance companies use to verify medical backgrounds. When someone applies for life insurance, insurers review databases that track prescribed medications. This allows them to identify potential medical conditions, even if an applicant does not explicitly disclose them. For example, certain medications are commonly prescribed for specific illnesses, making it easy for insurers to infer undisclosed health issues. Below are some types of diseases and conditions that a prescription history could reveal:
Cardiovascular Diseases – Medications such as beta-blockers, statins, blood thinners, and ACE inhibitors suggest a history of heart disease, high blood pressure, stroke, or other cardiovascular conditions.
Diabetes – Insulin, Metformin, and other glucose-regulating drugs indicate the presence of diabetes or prediabetes.
Mental Health Disorders – Antidepressants, anti-anxiety medications, mood stabilizers, and antipsychotic drugs can reveal conditions such as depression, bipolar disorder, schizophrenia, or anxiety disorders.
Respiratory Conditions – Inhalers, corticosteroids, and bronchodilators suggest asthma, chronic obstructive pulmonary disease (COPD), or other respiratory illnesses.
Autoimmune Diseases – Medications such as immunosuppressants, corticosteroids, and biologics can indicate lupus, rheumatoid arthritis, multiple sclerosis, or Crohn’s disease.
Neurological Disorders – Anti-seizure medications and drugs used to manage Parkinson’s or Alzheimer’s disease can uncover a history of epilepsy, dementia, or other neurological conditions.
Cancer – Chemotherapy drugs, radiation treatments, and targeted therapies can reveal a cancer diagnosis, even if it was in remission at the time of application.
Kidney and Liver Diseases – Medications that regulate kidney function or address liver conditions, such as dialysis-related drugs, suggest chronic kidney disease or liver failure.
HIV/AIDS – Antiretroviral medications are a clear indicator of an HIV diagnosis.
Gastrointestinal Disorders – Drugs like proton pump inhibitors (PPIs), biologics, and other GI medications can signal conditions like Crohn’s disease, ulcerative colitis, or gastroesophageal reflux disease (GERD).
If your life insurance claim was denied, our top life insurance lawyers can help. Whether Navy Mutual, VGLI or SGLI, or other, our life insurance law firm will fight hard for you. We handle all delayed life insurance claims and denied life insurance claims. We handle beneficiary disputes and interpleader lawsuits.