There are two times when insurance companies are very interested in the activities of those they insure. They are very interested in ensuring that the premiums get paid and they are again very interested when asked to pay out. Make sure you put your utmost interest in filling out the application.
Don’t except advice from agents who act like the application isn’t important. Also make sure you think through each question. We see this every once in awhile when a person is denied medical coverage, disability benefits, or life insurance. Sometimes the companies yell fraud, but usually it’s just a simple denial, even over a little mistake.
I got thinking about this as I read about a woman who lost out on unemployment benefits after she hadn’t disclosed that she had bought with depression. She hadn’t filled out her employment application with the information. She was later fired and barred from all coverages.
If you have a dispute over coverage seek out the help of an experienced lawyer who can help you review the denial. Also do your best to review all the questions and answer them the best you can.
A founding partner with Bradshaw & Bryant, Mike Bryant has always fought to find justice for his clients—knowing that legal troubles, both personal injury and criminal, can be devastating for a family. Voted a Top 40 Personal Injury "Super Lawyer" multiple years, Mr. Bryant has also been voted one of the Top 100 Minnesota "Super Lawyers" four times.