Why Was My ERISA Life Insurance Claim Denied?

Some of the most common reasons a person’s ERISA life insurance gets denied include:

• An alleged lapse in coverage
• Loss of benefits from termination
• Failure to convert coverage after leaving a job
• Alleged mistakes or misrepresentations on forms
• Failure to provide “proof of insurability”
• Disputes over beneficiary designation

Your denial letter will include the reason(s) for your claim denial as well as instructions on how to appeal. Your attorney can build a strong appeal based on the reason(s) your claim was denied, and look for strong supporting effort that helps demonstrate the abuse of discretion standard.