Life insurance is a critical safety net for many families, providing financial stability during difficult times. While the majority of claims submitted are ultimately paid, a small number of claims get turned down every year. If this happens to you, it’s crucial to understand your rights and the steps you can take to contest the denial.

Understanding the Reason for Denial

The first step in addressing a denied life insurance claim is to understand why the claim was rejected. Insurance companies are required to provide a detailed explanation of the denial, usually in the form of a denial letter. Common reasons for life insurance claim denials include... Read More

Health insurance is essential for protecting individuals and families from the financial burdens of medical expenses. However, navigating the claims process can often be frustrating, especially when insurance companies use unfair tactics to delay or deny claims. Understanding these tactics can empower policyholders to advocate for themselves and ensure they receive the coverage they are entitled to. Here are some common tricks insurance companies use to delay or deny health insurance claims. Read More

For most people, applying for life insurance occurs when they are young and healthy, and the prospect of death is a remote, abstract event that will hopefully occur far into the future. Even though death may occur years or decades into the future, it’s a common practice for insurance companies presented with a claim to pull up that application, dust it off, and look for any errors or omissions they can use to deny the claim. It’s important to know this at the outset and take the application process seriously; not only will it determine your rates and acceptance, but it could impact the success of a claim years down the road. Read More

Kaiser Foundation Health Plan, part of the larger Kaiser Permanente consortium, is the largest managed care company in the country, with nearly 12 million customers nationwide. Since Kaiser is non-profit, they say their policyholders needn’t worry they will fall victim to bad faith insurance practices other companies might engage in to maximize their profit. But it flies in the face of logic to believe a non-profit health insurance company won’t be concerned about costs and its bottom line. One quick look at the large cash reserves Kaiser holds onto that it could be spending on patient care speaks volumes about how non-profit corporations operate, and Kaiser does in fact run many for-profit divisions as well. Read More