Identifying Reasons For Life Insurance Denials

A New Jersey/New York life insurance lawyer can explain the many tactics that insurance companies may use to deny a life insurance claim. After all, the insurance company’s goal is to provide as little coverage to people as possible. Therefore, it has an incentive to deny claims in order to have a positive impact on its profit margin. If any potential legal avenue is available to deny a claim, the insurance company may first exhaust it before paying out.

Material Misrepresentations

Many a New Jersey/New York lawyer has seen the common tactic in which the insurance company accuses the insured of making a material misrepresentation on the life insurance application. This is even more common if the insured died during the 2 year contestability period. Claims of material misrepresentations may appear on any portion of the life insurance application, including information about past employment, current or former occupation, income, tobacco use, age, health or dangerous recreational activities. It is quite common for insurance companies to investigate if there are any material misrepresentations in order to justify a denial of coverage.

Failure To Disclose

Another tactic that a New Jersey/New York life insurance lawyer can warn you about is the insurance company accusing you of failing to disclose required information during the application process.

Your Advocate Through The Appeals Process

For different types of claims, many insurance companies bar or limit coverage for preexisting medical conditions or injuries. However, you can file an appeal to fight for the benefits you deserve. The appeals process can quickly become complicated, but you do not have to go through it alone.

When you meet with us, we will start the appeals process by examining your policy terms to determine your insurer’s definition of a preexisting condition. Insurance companies will use a look back period when looking at your medical history. The look back period can vary between three months or more than six. If a medical condition manifested during the look back period, an insurer will consider it a preexisting condition.

Our attorneys will carefully consider the lookback period to determine if the insurance company made an error. Using your medical records and history, we will carefully assemble an appeal to help you obtain the benefits you deserve.

Legal Assistance From A New Jersey/New York Life Insurance Lawyer

A New Jersey/New York life insurance lawyer may be able to help individuals who have had their claims wrongfully denied. Contact Uscher, Quiat, Uscher & Russo, P.C., at (201) 342-7100 or via email for more information.