Life Insurance Benefits Application

Filing for Life Insurance Benefits

Your life insurance policy governs your claim for benefits. Thus, it is crucial that you obtain a complete copy of the life insurance policy governing your claim and that you understand what your insurance contract requires prior to filing a claim for benefits.

It is important to be aware that many life insurance policies require that you provide the insurance company with notice and proof of claim within strict time periods. It is your responsibility as the claimant to provide adequate proof of your entitlement to insurance benefits within the required time periods. Your failure to do so will likely result in a denial of your claim. It is necessary that you act quickly when your entitlement to life insurance benefits arises.

Many times with a life insurance claim, it is difficult to ascertain whether the claim forms (otherwise known as the application for benefits) and policy must be requested from the insurance company or from the loved one's former employer. If the life insurance policy was provided to your loved one through his or her employer, then you may need to request the application and policy directly from the employer.

A problem faced by many families seeking to obtain information from the insured's employer is the employer's refusal to provide an application for benefits or a copy of the policy because the insured was no longer an employee at the time of his or her death. The employer mistakenly believes that the employee's coverage automatically lapsed immediately following his or her termination from employment.

This is a fairly common misunderstanding and has been the reason many families and individuals have been unable to obtain the life insurance benefits secured for them by a loved one. Our attorneys at DI Law Group have successfully dealt with this issue on numerous occasions and facilitated denied claims being paid to our clients. We have also been featured on Good Morning America for our work in one particular case where this was precisely what the employer/life insurance company was arguing to deny our client's life insurance benefits.

Get Legal Help in the Application Process

At the insurance law firm of DI Law Group, we have helped countless beneficiaries and loved ones successfully obtain the benefits that they are entitled to under the terms of their insurance policy. We have devoted our practice to exclusively representing claimants in insurance matters and disputes. If you have questions regarding your rights under an existing life insurance policy, let our 25 years of combined experience in handling insurance matters work for you. Our goal is to help you expeditiously resolve your claim. To schedule a free initial consultation with a lawyer at our firm, please contact us today.