Denied life insurance claims due to prescription history often occur when the insured fails to disclose all medications they have used, even those prescribed years before applying for a policy. Omissions are not always intentional; many applicants simply forget to mention medications that were temporary or prescribed for minor issues. Unfortunately, insurers may view such omissions as misrepresentation or nondisclosure, which can result in claim denials. Life insurance companies will look at not only all medical records for at least 5 years prior to the death, but the entire prescription history of the insured as well. The life insurance lawyers from LifeInsuranceAttorney.com fight these denied claims and win.
Many applicants are unaware that their prescription records will be scrutinized closely.
- If a person has a heart issue that is not disclosed, prescriptions which can be the basis of denial include; beta blockers; statins; hydralazine; SGLT2 inhibitors; etc.
- If diabetes is not disclosed, prescriptions which can lead to a denied claim include: metformin; insulin; gliflozins; and more.
- For depression which is not disclosed, insurance companies will look for prescriptions such as: SSRI’s; SNRI’s; TCA’s; MAOI’s; benzodiazepines; etc.
Addressing the issue of denied claims due to prescription history requires a multi-faceted approach. Insurers must prioritize transparency, providing clear guidelines about how they evaluate prescription data and what applicants need to disclose. Applicants should be encouraged to ask questions and seek clarification during the application process, ensuring they fully understand their obligations.
The consequences of a denied life insurance claim can be devastating, both financially and emotionally. For families who are already coping with loss, a claim denial can add an additional layer of hardship, undermining the very purpose of life insurance.
Our life insurance lawyers have recently won denied life insurance claim cases involving: Jackson National Life; Corebridge Financial; Manulife; Prudential Life; and more. We will fight all denied life insurance claims and win.