Why Accidental Death Insurance Claims Get Denied

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Life insurance vendors make a habit of denying most accidental death advantage claims. Accidental death benefit insurance delivers a money payment to the insured's beneficiary when the insured dies, inside of a predefined timeframe, from an accident. An accident can be anything at all from a automobile crash to falling down. The moment a claim has been filed the insurance company's Claims department opens an investigation. This is typical practice for all accidental death advantage claims. The Claims department will investigate the lead to of death. They will analysis the Certified Death Certificate, the Medical Examiner's Report and the comprehensive wellbeing records of the deceased. Logic would dictate that the insurer would investigate the insured before they deliver the coverage and accept premium payments, but they do not. Each claim is investigated.

Accidental death policies have lots of exclusions and often have the stipulation that the death must be the outcome of an accident. What surprises most beneficiaries of accidental death benefit policies is that even when the Certified Death Certificate states the bring about of death as "accidental", the claim will likely be denied. What accompanies the death certificate is the Medical Report. This identifies the lead to of death in medical terms. When death from falling might be an accident on the Death Certificate, it may well be defined as an aneurism on the Medical Report. The denial of most accidental death claims is due to a popular link amongst the wellbeing background of the deceased and the Medical Examiner's Report.

After an accidental death claim is made the investigator right away starts seeking for techniques to hyperlink the medical trigger of death to a medical situation that existed while the insured was alive - even if the insured did not know 1 existed. The unfairness of this post-death investigation is that it is seldom conclusive, but it really is employed as the well-known purpose for a claim denial. It is like the proverbial query of which came 1st, the chicken or the egg. The insurance suppliers take advantage of the reality that it is not possible to prove no matter whether a previous event or the accident triggered a bodily reaction that ended in death. Their strategy appears to be that if the beneficiary can not disprove some thing, then how can they argue the matter? Thereby, most accidental death advantage claims are denied.

Naturally, insurance agencies will argue that they by no means intend to deny valid accidental death claims. But when they provide you with one particular million dollars of coverage for only eight dollars per month, they can't afford to spend extremely numerous claims or they will be out of small business. Our results in finding accidental death benefit claims paid is due, in massive portion, to our ability to anticipate the most likely causes a claim will be denied and then to eradicate these possibilities ahead of they take place. If you have an accidental death benefit claim we recommend you be as ready as attainable ahead of you submit your claim so you will not be denied the funds your loved-one particular intended you to have.