When a VGLI death benefit is denied or delayed, it can be increasingly frustrating to try and figure out why. That’s why at McKennon Law Group, our lawyers work hard to represent beneficiaries who are unable to access benefit money that they rightfully deserve. Read on to learn more about what you can do if your VGLI death benefits were denied or delayed, and contact our law firm right away if you have questions or need help.
What Is VGLI?
VGLI stands for Veterans Group Life Insurance, life insurance policies that are designed to protect United States military veterans and to give financial security and peace of mind to their beneficiaries and loved ones after the veterans have passed away. These policies are technically contracts between the veteran, who is the insured party, and the insurer. As with any life insurance policy, the VGLI policies designate beneficiaries who are entitled to receive the money from the policy when the veteran has passed away– as long as the conditions of the veteran’s passing does not break the contract or conditions of the insurance policy.
Sometimes, however, insurers delay in paying out these policies, or deny them altogether. Read on to learn more about VGLI benefits and what you can do if they were denied or delayed. If you are experiencing a situation where your benefits are being denied, our law firm is here to help you get through it.
What Are Some Common Reasons Why VGLI Benefits Can Be Denied?
Before we break down many reasons why these benefits can be denied, it is important to realize that many times denied claims are illegitimate. Any time a life insurance claim is denied, whether it is a veteran’s life insurance policy or a standard one, you should always hire a lawyer so that they can thoroughly examine this denial or the delay. Always remember that claim denials can often be overturned or appealed, but it can be difficult to do so without the help of a lawyer.
Commonly, lawyers will see benefits denial due to misrepresentation on application. If there is missing information on your application for Veteran’s life insurance coverage, or if some of the information you supplied is incorrect on purpose, the claim may be denied. Sometimes, VGLI claims can be delayed for quite some time if there are insufficient supporting documents provided with the application. If there are any disputes with your application or the conditions of the insurance policy, this can significantly affect how long it takes to receive your VGLI death benefits.
In other cases reasons for denial are much more simple. Maybe the insurer is claiming that the veterans life insurance policy was canceled prior to the veteran passing away. Sometimes denials can be chalked up to simple accidents, either on the insurer’s behalf of the insured.
We have also seen some families fail to convert SGLI benefits (Servicemembers Group Life Insurance) To VGLI once a service member gets their veteran status. If the insurance company perhaps approved SGLI coverage, but then denied VGLI coverage, it is possible that this claim was wrongfully denied.
How Can A Lawyer Help Me With A Denied Or Delayed VGLI Death Benefit Claim?
Our attorneys are skilled in helping people just like you recover your wrongfully denied or delayed VGLI payout. Our life insurance attorneys understand how frustrating it could be to be denied the claim that you rightfully deserve. Our attorneys are skilled, hard-working and compassionate professionals and will get you the resources you need to get to the bottom of this. We have extensive experience appealing unfairly denied claims and looking into reasons why the VGLI claim could be delayed on your behalf.
Additionally, we can settle any disputes that arise regarding the distribution of money to beneficiaries, including handling firsthand any litigation that arises when beneficiaries are receiving their money. And, to mitigate the risk of a denied or delayed claim, we can even help our clients through the process of submitting the VGLI claim before they even submit it.
Schedule A Free, No Obligation Consultation With Our VGLI Lawyers Today
If your VGLI death benefits were delayed or denied, contact our lawyers today for a free consultation of your situation. We can help you appeal a wrongful denial, or handle all communications with the insurer to figure out why your claim is being denied. Dealing with the insurance company all on your own can be a daunting process, so we aim to make the experience as simple and stress free for you as possible.