While it’s best to file as soon as possible, in many cases there is no specific time limit to file after the policyholder’s death. However, delaying the claim can sometimes create complications, so prompt action is recommended.
Practice Areas
Chicago Life Insurance Claims Attorney
Life Insurance Claims
If you have a life insurance claim or are a beneficiary under a life insurance policy and believe you are owed money under the policy, obtaining the compensation to which you are entitled is essential, but the insurance process can be complicated to maneuver on your own. Working with an experienced Chicago life insurance claims attorney is the surest way to protect your rights and your claim.
Working closely with an experienced Chicago life insurance claims attorney is critical to helping guarantee that your family’s life insurance claim will be addressed fairly and that your beneficiaries will receive the funds they need to continue on the path toward healing.Â
Common Complications
Some life insurance companies make it their policy to throw up roadblocks that thwart the payment process, and that makes it more difficult for beneficiaries to receive payment. Some areas of concern that are commonly associated with life insurance disputes include:
- Changes made to the policy’s beneficiaries
- Outright denials of coverage for the situation at hand
- Life insurance policy exclusions, including the cause of death
- Issues related to accidental death and dismemberment policies
- Matters related to premiums paid by the insured party or by his or her employer
- Cancellation of the policy by the insurer
Whatever concern is stalling your loved ones from collecting on your life insurance policy, a trusted life insurance attorney can help.Â
Navigating the Claim Process
Navigating the path toward recovering on a life insurance policy after a loved one’s death is often riddled with complications. To make matters even more complex, there is frequently more than one policy with which to contend. The funds in these policies, however, are intended to help you navigate the journey toward healing, and they belong to you, as the beneficiaries. While the process can be daunting, a dedicated life insurance attorney has the deep understanding and skill necessary to help you successfully and efficiently navigate this rocky terrain.Â
Reach out to a Dedicated Chicago Life Insurance Attorney Today
Life insurance is an important financial tool that is worthy of professional legal guidance. If you have life insurance concerns or have a life insurance claim, the practiced Chicago life insurance team at Anspach Law Office is committed to employing its considerable experience in pursuit of a favorable resolution to your life insurance matter. To learn more about how we can help, please don’t hesitate to contact us today.Â
FAQs About Life Insurance Claims in Illinois
How long does it usually take for an insurer to pay a life insurance claim?
In straightforward cases in Illinois, insurers must pay claims within 30 to 60 days of receiving all necessary documentation. However, if the claim is complex or the insurer decides to investigate, the process can take longer.
The insurance company is investigating the claim. Should I be concerned?
An investigation is not automatically a cause for alarm, but it does mean the insurer is scrutinizing the claim. They may be verifying information from the application or investigating the cause of death, especially if the claim was made during the policy’s contestability period. Consider consulting an attorney during this period to protect your rights.
Can an insurance company delay payment indefinitely?
No. Insurance companies are legally required to act in good faith and process claims within a reasonable timeframe. If an insurer is causing unreasonable delays without a valid reason, you may have grounds for legal action.
Why should I hire an attorney if my life insurance claim seems straightforward?
Even simple claims can become complicated. An experienced attorney ensures your claim is filed correctly, communicates with the insurer on your behalf, and is prepared to fight back against any unfair delays or denials that may occur.
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