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Statute of Limitations for Filing a Life Insurance Claim

When a life insurance claim is denied, many people will be frustrated and angry… but will pursue no further action.  The thousands of dollars their loved one paid into life insurance over the years will be withheld due to an insurance company’s technicality: a missed payment, one missed signature, or an unexplained “filing issue.”

It is important that anyone whose life insurance claim has been denied get help immediately.  Many people do not realize that there is a time limit to pursuing a case against your insurance company, also known as the Statute of Limitations.

In most states, including New Jersey and Pennsylvania, the Statute of Limitations is two years.  If your life insurance claim is denied, you have two years from the date of death to pursue legal action against the insurance company.

What happens after this time limit has passed? That’s where it gets tricky.

There are many reasons that relatives may be excused for passing the statute of limitations, including:

  •  Inability to locate the policy
  • Not knowing the deceased relative was covered by life insurance
  • Being told that the claim was invalid by a disreputable insurance agent

While there is a time limit to bring a suit against a life insurance company, there is technically no time limit on collecting valid life insurance benefits.  Life insurance policies are covered by an Incontestability Law, which states that, as long as the probationary period of the policy has passed, all the life insurance benefits must be paid.

This means that you are legally allowed to collect benefits on your loved one’s behalf as long as:

  • The policy was in force at the time of death.
  • All premiums were paid.
  • All personal information on the policy is truthful and accurate.

If a life insurance provider has denied your rightful claim, the attorneys at Life Insurance Law can get you the compensation you deserve.  Call us today for a consultation on your case.