Following the loss of a loved one, you are living in a new world. It is a world without that long-time companion. It is a world without your spouse, a world without the father of your children. And at a more logical level, it is a world without a primary income earner.
Life insurance is supposed to be an aid in the transitional and emotional time of major loss. When making an insurance decision and purchasing a plan, the issue feels strictly financial. Can you afford the monthly payments? What kind of insurance should you/your family buy?
When your loved one dies, however, everything—including insurance—can hit you in a more personal way.
The Money You Need (and Are Owed) Is Being Withheld
After you lose someone, it seems natural to step back, rest and dwell in your feelings. Through the sadness and fear, however, you must push on to address post-death formalities. Planning a funeral, for example, could be the most daunting task you face.
You must organize a very important ceremony to honor your loved one while grieving. Funerals can be expensive, however, requiring the funds that a life insurance policy can supposedly provide. According to the National Funeral Directors Association, the median cost of a traditional funeral with a viewing in 2016 was more than $7,000. This cost doesn’t include a grave stone, either.
Many people do not have that much money readily available. They believe that is why they invested in a proper life insurance plan. When your insurance provider denies your life insurance benefits, not only are you left grieving your loss, but you are stressing out about how to afford an honorable funeral and resting place for your family member.
Don’t Just Accept Life Insurance Denial Out of Vulnerable State
Out of vulnerability and inexperience in such matters, some who face the denial of life insurance benefits might shy away from fighting for their money. Thankfully, talking to a law firm experienced with bad faith insurance claims can instill some bravery through knowledge to a victim of insurers acting in bad faith.
An attorney helping you fight for your insurance benefits will try to spot and combat bad faith amid the following common denial reasons:
- The insurance premiums were not paid or current.
- The deceased died due to suicide less than two years after the purchase of the policy.
- The person subject to the life insurance claim lied about their health in order to be insured.
- The deceased lost his or her life while breaking the law.
Insurers might represent themselves as though they are certain about any of the above scenarios. They can make you feel hopeless. Don’t let them.
Get Help, Protect Your Rights, Honor Your Family
The above claims for denial don’t just pack a potential financial punch, but they can be an emotional punch to the gut of someone trying to grieve, make funeral arrangements and afford a normal life after someone special is gone. A legal fight for insurance benefits can seem overwhelming and insignificant when faced with mourning. Contact The Fell Law Firm. Let a legal team fight beside you against bad faith insurance tactics.