Insurance Denial & Bad Faith Blog
The latest legal cases, results and guides on insurance denials in Los Angeles and California.
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81–100 of 183 articles
Report Finds Cigna Doctors Reject Thousands of Claims Without Even Reading Them
Based on a ProPublica report, it was found that Cigna relies on a computer program to deny claims on medical grounds without medical review.
What to Know About Contingent Beneficiaries for Life Insurance
Learn the difference between primary and contingent life insurance beneficiaries, as well as the necessary steps to take when there is no named contingent beneficiary.
What to Do if an Insurance Company Contests Your Claim
If your insurance company contests your claim, understand the reason for rejection and contestability period, and contact the company.
Health Insurance Claims: Do Pre-Conditions Affect Your Claim?
Pre-existing conditions have been the bane of individuals looking for health insurance coverage for decades. If an insurer found out that you were pregnant, were diagnosed with cancer or diabetes, or otherwise had some condition likely to result in future medical treatment, you could be left without any options for insurance coverage.
What Happens When Someone Dies With a Pending Life Insurance Application?
If the applicant has submitted their app to the insurance company and they have paid an advance premium, the company is bound to cover it.
Insurers May Not Rescind Policy Based on Ambiguous Question in Application
Insurance providers often look for grounds to “rescind” a policy based on alleged misstatements in the original application for coverage.
Were You Denied Proton Beam Therapy by the Insurance Company to Treat Your Cancer?
Insurance companies don’t outright base their denials on cost. Instead, they say proton therapy is “experimental,” “investigational,” or “unproven.”
What if the Insured Party Died During the Life Insurance Grace Period For Policy Lapse?
If the insured party died during the life insurance grace period for a policy lapse, the insurer is required by law to pay out the benefits.
What Happens if There Aren't Any Beneficiaries on a Life Insurance Policy?
If there are no beneficiaries on a life insurance policy the payout will be paid to the estate of the deceased.
Lapsed Life Insurance Coverage: Things You Should Know
Things you should know about lapsed life insurance coverage include the mandatory minimum grace period, notice requirements, and more.
Can a Life Insurance Company Deny a Claim Due to Excessive Alcoholic BAC?
Life insurance policies exclude coverage for deaths that are caused by the insured party’s intoxication and when lying about alcoholism in the app.
What Is a Life Insurance Grace Period?
A life insurance grace period is a period in which you can correct a missed payment, bring your account current, and continue with your coverage.
Policyowners’/Insurance Company's Responsibility Regarding Insurance Lapse
Life Insurance companies must remind policyholders of their right to designate a party as well as a notice before a lapse occurs.
The Importance of the Reinstatement Period After Policy Lapse
Reinstatement gets you the policy you originally applied for without having to go through the entire application process once again.
Policy Lapse Because Insured’s Premium Payment Was Lost / Delayed
There are many situations in which a policy was inappropriately allowed to lapse, especially when payment was lost or delayed.
How to Avoid a Life Insurance Policy Lapse
To avoid life insurance policy lapses always pay your premiums, enroll in automated payments, pay annually, keep records, and more.
Tips For Handling a Lapsed Life Insurance Policy
Tips for handling a lapsed life insurance policy include gathering all relevant documents (proof of payments, lapse notices, etc.) and challenging a benefits denial.
Denied Claim Due to Policy Lapse: What to Do
After a policy lapse denial, you should collect evidence of payments, get a copy of your policy, and contact an attorney after receiving your denial letter.
Does an Insurance Company Need to Deny a Claim to Be Liable for Bad Faith Damages?
California Courts have held that insurers can be liable for bad faith so long as they wrongfully withheld anything of value under a policy.
How Insurers Are Able to Deny Legitimate Life Insurance Claims
Insurers can deny legitimate life insurance claims through lack of supporting evidence, a lapsed policy, misrepresentations in the app, and more
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