Q: Life insurance claim denied. Cannot appeal due to time and not knowing since my old job was taking care of it.
Life insurance threw job, got fired, claim denied. Talked to old employer about it they said they filed appeal. Talked to insurance , they say old employer didn't file. I got letter from old employer stating that I was denied life insurance due to my husband being on hospice and a check that I didn't cash. Got letter from insurance stating that due to my time restriction I cannot appeal. They also supplied all transactions and paperwork from them and my old employer. There is a letter from my old employer apologying to insurance for a mistake in payroll that was going that for my life insurance the premium was not paid. My husband died in July and they sent the full amount of premium to life insurance in September. If I'm reading paperwork right o.got denied due to my premiums not being paid even though I got the position I'm May???what do I do? It was for $30,000
A: I'm sorry for the loss of your husband and this difficult ordeal. There is no simple answer here. As a starting point, you can gather records of all correspondence, including matters concerning the insurance denial, employer's appeal, original application, and everything else you have and summarize the timeline to the best of your abilities - and review them with an Illinois attorney. Good luck
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