Why Your FEGLI Claim May Be Denied
When a FEGLI claim is denied, it’s essential to understand why. While there can be many reasons for a denial, they typically fall into a few categories. The most common reasons for a denied claim include issues with the policyholder’s coverage, mistakes in paperwork, or disputes over the beneficiary designation. Sometimes, insurance companies may claim that the policyholder did not have valid coverage at the time of their death, or they may argue that the beneficiary is not entitled to the benefits due to legal technicalities. In other cases, claims can be denied due to issues with the way the claim was filed. In some instances, the denial may result from errors that are outside of the beneficiary’s control, such as mistakes made by the insurance company or confusion over complicated federal regulations. Even though these errors may seem like insurmountable obstacles, there are legal ways to challenge them and ensure that you receive the benefits you deserve. Understanding the reason behind the denial is a critical first step in the process of appealing the decision.
Steps to Take After a Denial
When a FEGLI claim is denied, it’s easy to feel like there’s no way forward. However, it’s important to know that the denial is not the final word. There are steps you can take to challenge the decision and potentially have it overturned. The first step is to carefully review the denial letter from the insurance company. This letter will explain why the claim was denied and may offer some insight into what needs to be addressed in order to move forward. Once you have a clear understanding of the denial reason, the next step is to gather any relevant documents and information that can support your case. This could include medical records, death certificates, the original FEGLI policy, or any communications with the insurance company. Having the right documentation is essential for a successful appeal. In many cases, the denial may be due to a simple mistake, and providing the correct paperwork can resolve the issue quickly.
We contacted Trief & Olk to help us with a life insurance issue and Shelly Friedland was the attorney assigned to our case. Before Shelly took our case she explained to us that the likelihood of our success without going to court was possible but not likely. Unfortunately we did not get the outcome we had hoped for but it was our decision to not move forward and have our case litigated. Shelly is very knowledgeable and was very straight-forward in her assessment of our case as we moved forward. She was very patient and thorough in answering our questions. She always responded in a timely manner and listened to our concerns. We would certainly recommend Shelly and would use her firm again in the future.”
- John Ramig
If there is any possibility of winning your life insurance case – this is the place to do it for you. They are efficient, honest and will achieve the best possible outcome.
Shelly Friedland worked on my case where a life insurance policy had lapsed and was even a few days beyond the grace period. Farmers had rejected my claim twice and was unwilling to take a second look. Shelly was able to get them to pay the entire claim without going to court, and the full amount was deposited in my account within a couple months. Highest recommendation.”
- Kathleen Brown
Trief & Olk is a superior law firm. Their attorneys and other legal professionals have a brilliant understanding of the law and the litigation process. They diligently perform their work in an efficient, strategic and cost-effective manner to ensure the best possible outcomes for their clients.
- Christopher Hughes
How an Attorney Can Help
Navigating a denied FEGLI claim on your own can be overwhelming. The process often involves complicated legal issues and intricate details that can be difficult to understand without proper legal knowledge. That’s where an attorney comes in. An attorney who understands the federal regulations and the intricacies of FEGLI claims can help you take the right steps to appeal the denial and ensure that your case is presented in the best possible light. An experienced attorney can provide guidance on the best way to approach your claim. They will know how to gather the necessary documents, deal with insurance companies, and file the appropriate paperwork. In some cases, they may even be able to negotiate with the insurer to settle the claim without the need for a lengthy legal battle. Having a lawyer on your side can also help ensure that your rights as a beneficiary are protected, and that you don’t miss any important deadlines or opportunities to appeal the decision. If necessary, an attorney can help you take your case to court. Although many claims can be resolved through negotiation or settlement, sometimes litigation is the only way to ensure you receive the benefits you are entitled to. If your claim is taken to court, a lawyer can represent you and fight for a favorable outcome.Life Insurance Denial Statistics
20%
The annual average number of life insurance claims denied.
$50 Million
The yearly average dollar amount of claims denied by life insurance companies.
.2%
The number of claims appealed annually by consumers.