Coronavirus Life Insurance Claims
Our Florida life insurance attorneys can help with coronavirus life insurance claims. If a family member died from coronavirus or COVID-19, and you need help making a life insurance claim, call the life insurance lawyers at the Law Offices of Jason Turchin today for a free consultation to help with your claim processing at (800) 337-7755 or chat with us for free to connect with our office.
The coronavirus pandemic has stirred many types of life insurance disputes and claim problems. Our office has handled hundreds of life insurance claims throughout the years and has the experience to handle nearly any type of life insurance dispute in Florida.How to File a COVID-19 life Insurance Claim
If you are the beneficiary of a life insurance policy where the insured died from COVID-19 or coronavirus, the life insurance lawyers at the Law Offices of Jason Turchin can help file your Florida life insurance claim. COVID-19 presents various legal issues which could affect the payment of the life insurance claim. We can review the situation to figure out how to best handle the life insurance claims process with the life insurance company. Many life insurance companies, like American General, MetLife, Globe and others will often evaluate the claim to determine whether or not coverage applies. The COVID-19 situation is rather unique and may present coverage questions which our office is familiar with litigating.Types of Coronavirus Life Insurance Claims
Claim delay - If you filed a life insurance claim after the insured died from coronavirus and the claim is being delayed for any reason, the life insurance lawyers at the Law Offices of Jason Turchin can help evaluate the claim to see whether or not it’s payable and to try to get the claim paid for you. Life insurance claims may be delayed for many reasons including the time that the insured applied for insurance compared with the date of death, disputes over the beneficiary, premium payment disputes, and more.
Beneficiary change disputes - If you were supposed to be the beneficiary on the life insurance policy, but the beneficiary was changed by somebody who had COVID-19 or was sick at the time that the change was made, you may be able to dispute the life insurance claim and may be entitled to the proceeds of the policy. Florida recognizes that the insured must be of sound mind when the beneficiary changes made, and must be free of undue influence from the person who may have made them make the change.
The life insurance attorneys at the Law Offices of Jason Turchin can look into the beneficiary change to see whether or not you may be entitled to the insurance proceeds.
Life insurance interpleader - Whenever there is a dispute over beneficiaries, a life insurance company in Florida may choose to sue all potential beneficiaries and deposit the money in the court registry. This is typically referred to as an interpleader lawsuit. Our life insurance law firm in Florida has represented many beneficiaries in federal and state life insurance interpleader lawsuits. We can answer the complaint for you and file any cross complaint on your behalf to pursue the benefits to which you may be entitled to.
Accidental death and dismemberment policy - Certain life insurance policies will only pay out if the death is a result of an accidental death. The coronavirus pandemic presents a unique situation as to the cause of death and whether or not the death was caused by negligence or an accident even though the person may have had coronavirus. Many life insurance companies may try to deny coronavirus related life insurance claims even though the cause of death may not have actually been directly from coronavirus. We can review the policy language to see whether or not the death from coronavirus falls within the language of the accidental death policy.
Policy premiums not paid - Life insurance companies may deny payment of coronavirus life insurance claims if the policy premiums were not timely paid, and they may try to cancel the policy. The law in Florida requires the life insurance companies to send certain notices before they are allowed to cancel a policy for nonpayment of premiums. If they fail to do so, the entire policy benefit may still be payable because of the life insurance company’s mistake.
If an insured contracted coronavirus or COVID-19 and was unconscious during the time in which premium payments were due, but because of their medical condition they were unable to make the payments, the life insurance policy benefit may still be due and payable based on the language of the life insurance policy. We can review the life insurance policy to determine whether or not there’s a provision for how and when premiums must be paid, as well as Florida’s life insurance law which requires the insurance company to send specific notices prior to canceling any policy.
Material misrepresentation - If your loved one had life insurance and you were the beneficiary, you may still be entitled to the life insurance proceeds even if the life insurance company denied the claim based upon material misrepresentation. The material misrepresentation generally occurs when a person knowingly misrepresents their medical condition on a life insurance application. However, there are different standards in insurance applications in Florida.
Some life insurance policy applications require the insured to sign the application to the best of his or her knowledge and belief. This typically requires the insurance company to show that the insured knew what they said was not true, and also believed what they said was not true. There is a very difficult standard for the life insurance company to overcome because what somebody believes or what somebody thinks they know are very subjective. If somebody was diagnosed with a certain medical condition, the policy application may be vague and the person who died from coronavirus or COVID-19 may have thought that they were answering the question correctly.Where Do You Take Life Insurance Cases Involving Coronavirus?
The life insurance attorneys at the Law Offices of Jason Turchin are licensed to handle life insurance claims in all Florida state courts, and each federal district court in the state of Florida.Can You Still Help Me Even If I Can’t Go To The Lawyer’s Office?
Yes. Our law office utilizes some of the most up-to-date advanced technology to handle cases in our office. We offer a no touch sign-up system which you can sign documents directly from the comfort of your own home. We also have a remote notary in our office who can assist with notarizing documents remotely if needed.Free Coronavirus Life Insurance Claim Consultation
Our life insurance lawyers are available to speak with you regarding your life insurance claim question. We remain open full-time, after hours and on weekends and holidays to help with your coronavirus life insurance claim. Call the Law Offices of Jason Turchin for a free consultation at (800) 337-7755, or submit your question through our contact form or live chat. We will try to get back with you as soon as we can.