Was Your Life Insurance Claim Unjustly Denied by United Omaha?
Gianelli & Morris is ready to get you the benefits you deserve!
If you have had a life insurance claim wrongfully denied by United Omaha, if you’ve been subjected to insurance bad faith conduct, or if your claims were rejected by any other life insurance company in California, we’re ready to hear from you. The Southern California life insurance claim denial attorneys at Gianelli & Morris are prepared to fight for the compensation and the justice that you deserve.
Who Is United Omaha?
Mutual of Omaha is the modern remnant of Mutual Benefit Health and Accident Association, founded over a century ago in Omaha, Nebraska. Now, Mutual of Omaha is a Fortune 500 company generating more than $9 billion in revenue and managing more than $43 billion in assets. Mutual of Omaha and its various subsidiaries provide a number of financial services, including annuities, Medicare supplement insurance, long-term care insurance, and life insurance. Several of Mutual of Omaha’s subsidiaries, including United of Omaha Life Insurance Company and United World Life Insurance Company (United Omaha) provide life insurance.
Mutual of Omaha has been hit with several lawsuits alleging unscrupulous practices, including bad faith insurance conduct. For example, Mutual of Omaha and another insurance provider agreed to pay $15 million to settle a class action brought by over 1,600 Missouri residents alleging that they violated the duty they owed to their customers by wrongfully denying claims, delaying claim payments, and otherwise acting in bad faith.
If you’ve been subjected to wrongful claim denial by United Omaha or another Mutual of Omaha subsidiary, you are not alone. With help from a seasoned bad faith insurance lawyer at Gianelli & Morris, you can sue to collect not only the life insurance benefits you are owed, but also additional damages including emotional distress, financial harm caused by the delayed claim payments, attorney’s fees, and possibly punitive damages.
How Do You Fight Back Against Wrongful Claim Denial?
At Gianelli & Morris, we’ve spent decades helping people like you recover the life insurance benefits that they are due. We’ve stood our ground against the biggest insurance companies and taken them to task for fabricating weak, unsupported grounds for claim denial.
Some of the most common reasons we see for denial of life insurance benefits include:
- Failure to pay premiums. Insurers can terminate a policy or let a policy lapse if the premiums aren’t paid. California law, however, requires insurers to give plenty of notice well in advance of policy lapse, including notice to the policyholder as well as other parties appointed to receive notice of missed payments (typically, the beneficiaries and other family members). If United Omaha did not give its legally mandated notice, the policy cannot be terminated.
- Misstatements in the application. Insurers can “rescind” a life insurance policy if the policyholder made “material misstatements” in their original application for benefits. However, rescission is only permitted by law within the first two years of the policy. If it’s been more than two years, United Omaha must pay out benefits, regardless of what’s in the application. The misstatements or omissions must also be “material,” meaning important to the policy–a simple typo cannot justify claim denial.
- Lack of evidence in the record. If your claim is denied because of a lack of evidence supporting the claim, you have options for supplementing the record to fill the gaps. You do not get only one bite at the apple. Moreover, insurance companies often use “missing evidence” as a delay tactic, meant to bully you into accepting less than you are owed or giving up on your claim. Work with a seasoned life insurance denial attorney to ensure you get all the necessary documents submitted, and that United Omaha is not giving you the run-around.
- Excluded cause of death. Some policies exclude certain causes of death. Just because United Omaha asserts that a death is excluded, however, does not make it so. They may be misreading the policy language or even misconstruing the medical examiner’s report, the police report, or other evidence in the record to suit their arguments.
Call Gianelli & Morris if United Omaha Wrongfully Denied Your Life Insurance Claim
If someone you love has passed away and your life insurance claim has been denied by United Omaha or any other California life insurance company, contact the dedicated, trial-ready Los Angeles insurance denial lawyers Gianelli & Morris for a no-cost evaluation of your claim at 213-489-1600.