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Losing a loved one is a profoundly difficult experience. When you are also facing delays in receiving the life insurance benefits you are entitled to, the stress can become overwhelming. If you encountering life insurance claim delays in Missouri, you are not alone, and there are steps you can take to address the situation.

At the Saxton Law Firm, our Missouri life insurance claim denial attorneys are ready to stand by you. Our team is ready to meet with you and help solve the issues you face. Schedule a meeting today to learn more. 

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Understanding Common Causes of Delays

Life insurance claim delays can stem from various factors. Recognizing these potential issues is the first step towards resolving them. Common causes include:

  • Incomplete or Inaccurate Paperwork: Errors in the death certificate, beneficiary designation forms, or the original insurance application can halt the claim process.
  • Contested Claims: If the insurer suspects fraud, misrepresentation, or questions the validity of the policy, they may conduct a thorough investigation, leading to delays.
  • Internal Company Processes: Some insurance companies have lengthy internal procedures, or they may be experiencing a backlog of claims, contributing to delays.
  • Policy Disputes: Disagreements over the interpretation of policy terms, such as exclusions or contestability periods, can impede the claim process.
  • Missing Information: The insurer may require additional documentation, such as medical records, which can take time to obtain.
  • Investigating the cause of death: If the insured died under suspicious circumstances, the insurance company will investigate to ensure there was no fraud.

Your Rights as a Beneficiary in Missouri

As a beneficiary in Missouri, you have certain rights that protect you during the life insurance claim process. It’s crucial to understand these rights:

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  • Prompt Payment: Missouri law requires insurance companies to process claims in a timely manner. While there is no specific statutory deadline for life insurance claims, unreasonable delays can be considered bad faith.
  • Clear Communication: You have the right to clear and consistent communication from the insurance company regarding the status of your claim.
  • Access to Information: You are entitled to access relevant information regarding the policy and the claim process.
  • Right to Legal Counsel: If you believe the insurer is acting in bad faith or delaying your claim unreasonably, you have the right to seek legal counsel.
  • Missouri Department of Commerce & Insurance: You can file a complaint with the Missouri Department of Commerce and Insurance. They are responsible for regulating insurance companies within the state.

Steps to Take When Facing Delays

If you are experiencing life insurance claim delays, take these steps to address the situation:

  1. Document Everything: Keep detailed records of all communication with the insurance company, including dates, times, and names of representatives. Save copies of all documents submitted.   
  2. Request a Written Explanation: Ask the insurer to provide a written explanation for the delay. This documentation will be invaluable if you need to escalate the matter.
  3. Contact the Insurance Company Directly: Follow up regularly with the insurance company to inquire about the status of your claim. Keep records of every phone call.
  4. Review the Policy: Carefully review the life insurance policy to understand the terms and conditions, including any potential exclusions or contestability periods.
  5. File a Complaint: If you believe the delay is unreasonable, file a complaint with the Missouri Department of Commerce and Insurance.
  6. Seek Legal Counsel: If the insurer is unresponsive or acting in bad faith, consult with an experienced life insurance attorney in Missouri. An attorney can help you understand your rights and pursue legal action if necessary.

READ MORE: Steps to Take After a Life Insurance Claim is Denied in Missouri

At Saxton Law Firm, our Missouri life insurance claim denial lawyers are ready to help you with delays and denials. Contact Saxton Law Firm for a FREE case review!