Our life insurance lawyers in New York handle delayed and denied life insurance claims, AD&D claims, beneficiary disputes and New York interpleader lawsuits.
Denied life insurance claims can occur in Europe or Israel for various reasons, similar to reasons in other parts of the world. These scenarios may involve policy-specific exclusions, failure to meet policy requirements, or disputes over the cause of death. Here are some different scenarios in which a life insurance claim may be denied overseas in Europe or Israel:
Non-Disclosure or Misrepresentation: The policyholder failed to provide accurate information about their health, medical history, lifestyle, or occupation during the application process, leading to a denial of the claim. This can include non-disclosure of pre-existing medical conditions or hazardous activities.
Suicide Exclusion: If the insured person dies by suicide within the policy’s suicide exclusion period (typically one to two years), the claim may be denied.
Material Change in Risk: The insured person made significant lifestyle changes, such as taking up a high-risk occupation or engaging in hazardous activities, without informing the insurer. If these changes resulted in death, the claim might be denied.
Policy Lapse: The policyholder failed to pay premiums, and the policy lapsed or was terminated due to non-payment, resulting in the loss of coverage.
Excluded Activities: The insured person died while participating in activities specifically excluded by the policy, such as extreme sports, acts of war, or acts of terrorism, depending on the policy’s terms.
Alcohol or Drug Use: If the insured person’s death is a result of alcohol or drug abuse, and the policy contains exclusions related to substance abuse, the claim may be denied.
Intentional Acts: The death was a result of the insured’s intentional self-inflicted harm, involvement in criminal activities, or acts of violence, leading to a claim denial.
Foreign Travel Restrictions: Some policies may have limitations or exclusions related to travel to specific countries or regions. If the insured person dies in a restricted area, the claim might be denied.
Policy Contestability Period: During the initial contestability period (usually the first two years of the policy), insurers have the right to investigate and contest claims based on misrepresentation or non-disclosure of information. If the insurer finds discrepancies, the claim may be denied.
Inaccurate Documentation: If the documentation provided to support the claim is incomplete or inaccurate, or if the cause of death is disputed, the insurer may deny the claim pending further investigation.
Conflict of Beneficiary Designations: Disputes may arise if there are multiple beneficiaries or conflicting beneficiary designations, requiring legal resolution.
Policy Expiration: If the insured person dies after the policy has expired or reached its maturity date, the claim may be denied as the coverage has ended.
Beneficiary Issues: If there are questions about the validity of the beneficiary designation or disputes among potential beneficiaries, the claim may be denied until the beneficiary issue is resolved.
It’s essential for policyholders to thoroughly understand their insurance policies, comply with the terms and conditions, and keep their policies up to date. If a claim is denied, policyholders or beneficiaries can typically appeal the decision or seek legal assistance to address the denial. The specific reasons for a denied claim may vary depending on the insurer, the policy type, and the laws and regulations of the particular European country or Israel where the policy is held.