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Life Insurance Waiver of Premium (LWOP)

Causes of Action for AD&D Claims

February 26, 2015

When life insurance coverage has been supplemented by accidental death and dismemberment (AD&D) insurance, obtaining AD&D benefits after the death of a loved one will generally involve proving that the death was caused by an accident. This may sound like a relatively straightforward process – and, in some cases, it can be. However, depending on the circumstances of a…

AD&D Claims and Prescription Drug Use

February 16, 2015

Accidental death and dismemberment (AD&D) insurance provides individuals with more protection than their basic life insurance policies.  This insurance extends coverage in the event that a person’s death is caused by an “accident.”  Despite what may seem to be a clearly accidental death, life insurance companies attempt to find various ways to delay or deny payouts…

BE SURE TO EXERCISE YOUR CONVERSION RIGHTS

January 10, 2013

When leaving an employer, an employee may have the right to “convert” group life insurance coverage into an individual policy. Not all employer-provided group policies offer this conversion right but many do. Most such policies provide the right to convert the group life insurance coverage into an individual life insurance policy within 31 days of…

LIFE WAIVER OF PREMIUM – DON’T FORGET!

January 10, 2013

Since I am on the issue of life insurance coverage (see my other blog post of today’s date), I take this opportunity to remind all readers of a little known provision likely found in your employer-provided, group life insurance policy — commonly referred to as “life waiver of premium” (“LWOP”). I have yet to review…

COLORADO WOMAN WINS LAWSUIT

May 14, 2012

A client of ours filed a lawsuit against Connecticut General Life Insurance Company, the subsidiary arm of CIGNA Group Insurance which provides group life insurance coverage, claiming that her life insurance coverage was improperly terminated. Her claim was governed by the Employee Retirement Income Security Act of 1974 (“ERISA”). Ms. C. was a former employee…

LIFE INSURANCE CLAIM DENIALS AND ERISA

March 16, 2011

While some people have purchased a life insurance policy on their own, most individuals have coverage in the event of death under a plan established by their employer. Most employer-provided benefit plans which include life insurance, are governed by ERISA (Employee Retirement Income Security Act). While every claim for life insurance benefits should be handled…

IF DISABLED, YOUR LIFE INSURANCE COVERAGE MIGHT CONTINUE (WITH NO PAYMENT OF PREMIUM)

March 16, 2011

Our disability clients are often surprised to hear that their life insurance coverage may continue in full force and effect even if they are disabled and cant work. Most individuals have coverage in the event of disability or death through benefits or policies of insurance provided by their employer. If so, such claims are likely…