Has Your Life Insurance Claim Been Denied?

Our life insurance lawyers help you receive the life insurance benefits owed to you, despite what the insurance company may say.

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Kentucky Life Insurance Lawyer

How Our Life Insurance Lawyers in Kentucky Help Beneficiaries

Our life insurance lawyers in Kentucky advocate for policyholders with denied or delayed claims, addressing issues like alleged misrepresentation, policy lapses, and accidental death benefit disputes. Their expertise ensures your rights are protected, significantly increasing the chances of successfully recovering entitled benefits.

What Happens if Your Claim is Denied?

If your life insurance claim is denied in Kentucky, review the denial letter, gather documentation, and contact our lawyer immediately. Appeal the denial with legal help to ensure proper handling. An experienced attorney can guide you through the appeals process, challenging the insurer’s decision for the benefits you deserve.

Types of Life Insurance Claims We Handle in KY

At DiGeorge Life Insurance Law Firm, we handle a variety of specialized claims for Kentucky residents, including:

  • Denied Life Insurance Claims: Assistance in challenging unfair denials.
  • Delayed Claims: Advocacy for timely benefit payouts.
  • Accidental Death and Dismemberment Claims: Ensuring proper coverage for accidents.
  • Denied Service Members Life Insurance Claims: Support for military families facing claim issues.
  • Wrongful Death Insurance Claims: Legal help for families seeking justice and due benefits.

Common Reasons for Denied Life Insurance Claims in Kentucky

Life insurance claims in Kentucky can be denied for various reasons, including:

  • Material misrepresentation: Incorrect or incomplete information on the application.
  • Lapsed policies: Failure to pay premiums resulting in policy termination.
  • Contestability period: Claims denied within the initial two-year period of the policy.
  • Suicide clause: Denial of benefits if the insured’s death is ruled a suicide within a specified period.
  • Excluded causes of death: Specific exclusions outlined in the policy terms.

Can You Recover Benefits After Being Denied in Kentucky?

Yes, you can recover life insurance benefits even after an initial denial in Kentucky. Begin by reviewing the denial letter, gathering supporting evidence, and examining all relevant information.

If you believe the denial is unjustified, you have the right to appeal. The appeals process varies:

  • Employer-sponsored group policies: Governed by ERISA, requiring exhaustion of internal appeals before filing a lawsuit in federal court.
  • Individual policies: Governed by Kentucky state law, usually involving a written appeal with supporting evidence. If denied, you may file a lawsuit in state court.

Regardless of the type of policy, it is highly recommended that you consult with a Kentucky life insurance attorney before submitting an appeal.

How a Kentucky Life Insurance Lawyer Can Get You Paid

Hiring a life insurance attorney in Kentucky, like those at DiGeorge Life Insurance Law Firm, offers specialized knowledge and experience with insurers’ denial tactics. We communicate with insurers, gather strong evidence, and identify legal issues, ensuring your rights are protected and increasing the likelihood of receiving deserved benefits.

Life Insurance Claim Denied in Bad Faith

A life insurance company acts in bad faith by unreasonably or deceptively denying claims. Examples include improper investigations, misrepresenting terms, delaying processing, low settlements, and poor communication. In a bad faith lawsuit, you may recover compensatory and punitive damages, emotional distress, and attorney’s fees and costs.

Common Types of Life Insurance Policies in KY

Understanding the different types of life insurance policies is essential for Kentucky residents:

  • Term Life Insurance: Provides coverage for a specified term, typically 10, 20, or 30 years.
  • Whole Life Insurance: Offers lifelong coverage with a savings component that builds cash value.
  • Universal Life Insurance: Combines flexible premiums with a savings element, allowing policyholders to adjust their coverage and payments.

Each policy type has unique features and benefits, tailored to meet various financial planning needs.

Kentucky Life Insurance Claim Processing Laws

Under Kentucky law, insurance companies are required to process life insurance claims in a timely manner. The key statute governing this is KRS 304.12-235:

  • 30-Day Rule: Insurers must pay, deny, or settle claims within 30 days of receiving all necessary information.
  • Information Requests: If more information is needed, the insurer must notify the claimant in writing within 30 days of receiving the initial claim.
  • Interest Penalties: Failure to meet the 30-day deadline results in a 12% per annum interest penalty on the claim amount.
  • Exceptions: The law allows exceptions for claims involving litigation, fraud investigations, or those requiring third-party information.

This statute ensures that beneficiaries receive prompt attention to their claims. If an insurer fails to comply with these requirements, they may be subject to legal action and additional penalties.

If you’re experiencing delays or denials with your life insurance claim in Kentucky, the experienced life insurance attorneys at DiGeorge Life Insurance Law can help enforce your rights under this law.

Kentucky Life Insurance Facts and Statistics

  • About 54% of Kentucky adults had some form of life insurance, slightly below the national average of 57%.

Top Insurers

  • The largest life insurers in Kentucky by market share include State Farm, Northwestern Mutual, New York Life, and MetLife, though market shares can fluctuate.
  • MetLife is the life insurance carrier for the Kentucky Commonwealth

Regulatory Environment

  • The Kentucky Department of Insurance regulates all insurance activities in the state.
  • Kentucky has adopted the NAIC (National Association of Insurance Commissioners) model regulation for life insurance illustrations.

Unclaimed Benefits

  • Kentucky participates in the Life Insurance Policy Locator Service, which has helped beneficiaries locate over $10 million in unclaimed life insurance benefits in the state since its inception.

State-Specific Regulations

  • Kentucky has a “free look” period of 10 days for life insurance policies, during which policyholders can cancel without penalty.
  • The state has specific regulations on life insurance policy replacements to protect consumers from unnecessary policy churning.

Why Choose the Life Insurance Lawyers of DiGeorge Life Insurance Law Firm?

Choosing DiGeorge Life Insurance in Kentucky offers advantages like a contingency fee structure, transparent agreements, and no hidden costs. With national recognition and a proven track record of success, we are dedicated to securing the best outcomes and ensuring you receive the life insurance benefits you deserve.

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    The DiGeorge Life Insurance Law Firm Advantage

    DiGeorge Life Insurance Law Firm specializes in advocating for clients facing delayed or denied life insurance claims. Our law firm has extensive expertise in working with life insurance companies and navigating the laws surrounding life insurance claim cases.

    We offer a complimentary case evaluation to begin reviewing, appealing, and reversing your denial. Our attorneys operate on a contingency fee basis, ensuring you only pay if we secure a victory for your case (you will never receive an invoice from our firm).

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    No Recovery, No Fee

    Our contingent fee structure means we are as invested in your success as you are; we only succeed when you do.

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    National Recognition

    Known across the country for our success in life insurance recovery, our reputation speaks for itself.

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    Millions Recovered

    Our team has recovered millions of dollars for our clients after receiving life insurance benefits denied or delayed.

    Has Your Life Insurance Claim Been Denied or Delayed?

    Our Kentucky life insurance lawyers help you receive the life insurance benefits owed to you, despite what the insurance company may say.

    There is never any risk or out-of-pocket cost to you.

    Our Kentucky Life Insurance Attorneys Assist Beneficiaries in and Around the Following Cities & Counties

    • Boyd County
    • Ashland
    • Fayette County
    • Lexington
    • Franklin County
    • Frankfort
    • Hardin County
    • Elizabethtown
    • Radcliff
    • Jefferson County
    • Jeffersontown
    • Louisville
    • Shively
    • St. Matthews
    • Jessamine County
    • Nicholasville
    • Kenton County
    • Covington
    • Erlanger
    • Independence
    • Pike County
    • Pikeville
    • Scott County
    • Georgetown
    • Warren County
    • Bowling Green
    • Whitley County
    • Corbin