If you or someone close to you contracted the coronavirus, filed an AD&D claim, and the insurer denied your claim, call us. If there is a way to get your claim paid, we will find it.
If a loved one died of COVID-19 and your beneficiary claim for death benefits was denied, we can help you too.
Insurance companies routinely deny legitimate claims for life insurance benefits and AD&D benefits because those companies only make money when they don’t pay claims. If your claim has been denied, you should fight back with a team of experienced life insurance beneficiary attorneys at your side.
Give us a call at 1-855-864-4335 to schedule your free, no-obligation consultation. We only get paid if we can get you paid!
Whole or Term Life Insurance Probably Covers Coronavirus
If the insured had an individual or group life insurance policy and died from COVID-19, beneficiaries’ claims should be paid. For policies written before the onset of the coronavirus pandemic, there is no pandemic exclusion, so COVID-19 deaths ought to be covered. Be aware that this may change for newly-written life insurance policies.
Three Reasons Why Your COVID-19 Life Insurance Claim May Be Denied
If you file a claim for life insurance benefits due to the coronavirus and your claim is denied, it may be due to one of the following three most common reasons.
Reason #1: Allegedly Inaccurate or Missing Information on the Insured’s Application or Medical Questionnaire
If the insured made a mistake or omitted information on his or her initial application for life insurance or medical questionnaire, the life insurance company will allege misrepresentation on the part of the insured and deny a claim for benefits.
We have helped many clients get the benefits they deserve when the insurance company alleges misrepresentation, but cannot prove that the insured acted with the intent to deceive.
Many times the error or omission had nothing to do with the death or dismemberment of the insured, or it was the fault of the insurance agent who filled out those initial forms on behalf of the insured. Either way, we may be able to get that claim paid.
Reason #2: Lapse or Termination of Policy Due to Non-Payment of Premiums
This is common, but we have gotten claims paid when a group policy through the insured’s employer lapsed, but the insured was not given the required notices and conversions forms, and also when the insured died after a long illness having never received the required notices of termination.
Call us and we will do the necessary research and find out if your claim should be paid despite a policy lapse or termination.
Reason #3: Death During the Two-Year Contestability Period
If the insured dies within two years of purchasing a life insurance policy, the insurance company has heightened powers to research the circumstances of the death, as well as the facts underlying the responses of the insured to the medical questionnaire and initial application. If any problem is found, even if unrelated to the death, the insurance company will attempt to use it to deny the claim.
This is no reason to give up. Our life insurance lawyers have gotten millions of dollars of these claims paid when they were unfairly denied during the contestability period.
A Stand-Alone AD&D Policy Might Not Cover Coronavirus
Most commonly, Accidental Death and Dismemberment (“AD&D”) coverage is added as a rider to an individual or group life insurance policy. In that case, the underlying policy itself would likely cover a COVID-19 death. The AD&D rider would probably not apply because the AD&D policy covers limited types of injuries or deaths from accidents, not from natural causes such as disease or illness caused by a virus.
For this reason, if an insured’s AD&D coverage is a stand-alone policy, it may not cover a COVID-19-related injury or death. However, if the insured caught the coronavirus but suffered an unrelated accident and was injured or died, the AD&D policy should cover the death.
What about Accelerated Death Benefits (ADB)? If your claim for accelerated death benefits was denied, contact us for help.
Insurers Will Deny AD&D Claims Due to Coronavirus
Knowing insurance companies as we do, we suspect that they will deny AD&D claims when the insured had COVID-19, even if the injury or death was due to an accident and wholly unrelated to COVID-19.
Don’t take no for an answer. Contact us and we can help you get your life insurance or AD&D claim paid.